You are told that you can built it and retire and the checks will keep rolling in.
As long as you are with a reputable company, this is the case. Sadly, there are a lot of MLM companies out there that sneak things into their policies and procedures that allow them to confiscate your check, and there is nothing you can do about it.
It is in the contract you agreed to. Read your contract carefully.
There are many stories of people who built huge organizations only to lose it all. Don't let this happen to you.