You can join multiplayer games not letting me switch to allow?

I have gone through all my privacy settings and allowed the one to let me play with people outside of xbox live. I have paid for a Nintendo switch online membership and allows me to join servers. But when I go to invite someone to my game it doesn't let
me. Then when I go to make the world multiplayer it's grayed out so I can't make it a multiplayer world. I don't understand what is wrong. Please help.

"You cannot play online multiplayer because of how your Microsoft account is set up. Review and change your privacy settings at aka.ms/accountsettings."

This was breaking me. But with hours of searching and trying different things this was the key:

To join a Realm in the first place, the xbox setting You can create and join Clubs must be set to Allow.

So even though I had allowed my child to join multiplayer games, they still could not join my Realm.

You can adjust Join Clubs on the Xbox One console or in a browser.

Xbox One Console:

Login as the parent/adult in the family

Account > Family Settings

Choose child's profile

Privacy & online safety

Xbox Live privacy

View details & customise

Friends & clubs

You can create and join clubs: ALLOW

Communication & multiplayer

You can join multiplayer games: Allow

You can play with people outside of Xbox Live: Allow

In a Browser:

https://account.xbox.com/Profile & sign in

Privacy Settings

Choose the Child Account you wish to amend

Choose Xbox One/Windows 10 Online Safety

Adjust the following:

You can play with people outside of Xbox Live: Allow (not sure if this is needed, but as Minecraft is cross-platform I adjusted this)

You can create and join clubs: ALLOW

You can join multiplayer games: Allow

Hi there Linn, my name is Gerardo, and I'm an Xbox player, just like you. I'll be happy to assist you with any questions or concerns you may have.

To allow multiplayer, you must do it from the following link:

https://account.xbox.com/settings

I recommend that you set the following options to "Allow" and save the changes:

* You can play with people who are not part of Xbox Live.
* You can create and join clubs.
* You can join multiplayer games.
* You can add friends.

I hope this helps and if you have further questions please let me know.

Kind regards,
Gerardo.

Hi there Emmet, my name is Gerardo, and I'm an Xbox player. I'll be happy to assist you with any questions or concerns you may have.

You should go to the following page, log in with the Microsoft account you use to play Minecraft on your Nintendo Switch, and modify the privacy settings:

https://account.xbox.com/settings

Set the following options to "Allow":

* You can play with people who are not part of Xbox Live.
* You can create and join clubs.
* You can join multiplayer games.
* You can add friends.

Once you modify the options and save the changes, restart your console and check if it allows you to play Minecraft online.

I hope this helps and if you have further questions please let me know.

Kind regards,
Gerardo.

Thank you so much for letting me know. Kindly sign in to https://account.xbox.com/settings and from there make sure that these settings are set to “allow” or “everyone”:

* You can see and upload community creations

* You can communicate outside of Xbox Live with voice & text

* Others can communicate with voice, text, or invites

* You can play with people outside of Xbox Live

* You can create and join clubs

* You can join multiplayer games

Make sure to hit “submit” when you made any changes. If they're already set to "allow", please "block" then submit, and lastly "allow" and submit.