Dow Janes Review – Is Million Dollar Year a Scam?

Are you looking for a Dow Janes review? But you may wonder if it is a scam.

The situation in the world is getting worse. The outlook for the future is bleak, and everyone seems to be on edge. Like everyone else, I want things to get back to normal as soon as possible.

How can we even define normalcy anymore? Two years have passed, and despite our best efforts, we are still having a hard time adjusting to our new environment.

At the moment, everyone is doing everything they can to stay alive. Many people have lost their jobs, while others are struggling to make ends meet.

Wage growth has not kept pace with inflation in essential goods and utilities. The problem is that wages are inadequate in most areas. That’s why some people try to run a business on the side or do freelance work to make ends meet.

The good news is that you can choose from a variety of side jobs. Find one that fits your specific needs and preferences. It’s true that if you enjoy what you do, it will show in your work.

As a disclaimer, I’m not affiliated with Dow Janes. It means I’m not paid to write this review. So you can be sure that my words are unbiased.

At the end of this review, I’ll also tell you a better alternative that has enabled me to make a full-time passive income online.

In this Dow Janes review, I’m going to cover the following.

What Is Dow Janes?

Dow Janes, which was co-founded by Laurie-Anne King and Britt Williams Baker, is responsible for producing Million Dollar Year. This is a comprehensive investment education program aimed specifically at women.

As far as I know, this is the only program on investing aimed exclusively at one gender. It seems to be geared toward encouraging women to take advantage of their economic opportunities.

The training is designed to give women the tools they need to become financially secure, self-sufficient, and ultimately more powerful. 

To be fair, they make some good points, but every time I come across the terms “powerful” and “financial freedom” in an online course, I am immediately reminded of a horrible experience.

The program provides a three-step process to achieve financial independence. Building a new economic foundation is the first step. The second step is to implement and perfect effective management procedures. Increasing your wealth is the last step, but certainly not the last.

I can understand why the website entices women to try the course after reading all the praise it receives there.

Recommendation: Here’s The Best Alternative

Who Are Dow Janes’ Financial Coaches?

The company’s co-founders, Laurie Anne King and Britt William Baker, will guide you. These women are self-made multi-millionaires who chose this field to close the gender wage gap.

It has been shown that on average, men are more relaxed than women when it comes to financial investments. Both Laurie Ann and Britt believe that women should be held to the same standards as men. That’s one of the things I like most about them.

Britt Baker, a proud graduate of Harvard Business School, approaches financial education with humor and levity. Her mission is to spread joy while helping her students become financially independent.

Britt began saving and investing for her future at the age of eight. Her extensive background makes her an ideal instructor because she can simplify complex concepts.

In contrast, Laurie Anne is an energy healer. She is a motivational speaker and instructor who has helped numerous people regain control of their lives. Her goal is to inspire people to keep working toward financial independence, even if they feel hopeless at the moment.

Her self-founded business now brings in seven figures annually. This success inspired her to become a financial advisor.

I think it’s great that Laurie-Anne King and Britt William Baker are working toward the same goal of increasing the financial confidence of women around the world.

Craig Wallace is another co-founder you will meet. He has a master’s degree in financial planning and is a registered investment advisor. Million Dollar Year Club members can turn to him for advice on managing their money and making sound investments.

Recommendation: Make Passive Income Online

Million Dollar Year Overview

The hope of Million Dollar Year is that the reader will learn to budget wisely, save effectively, and invest confidently. It’s about being disciplined with your financial resources.

You will receive live, personalised support for an entire year. You will receive a variety of resources to help you “rewrite your financial future”

In this section of my Million Dollar Year review, I will focus on the content of the programme.

The Curriculum

The program’s curriculum is designed to educate you step-by-step and give you the tools you need to develop habits that will help you properly manage your finances. 

This means setting aside money each month, putting that money aside, investing some of it, and watching it grow.

The goal of the program is to be a single resource for anyone who wants to increase their financial knowledge.

1st Phase: Build A New Financial Foundation

The first step is to think about how to create a new financial base. It is taught in a way that even a complete novice can understand, so that everyone can follow it.

As you progress, you will lay the foundation for a financial system that will change your spending habits, increase your financial confidence, and improve your budgeting and saving skills.

You’ll also be encouraged to take stock of where your finances stand at the moment. The service claims to fix broken finances and help people feel more confident about their financial future.

By the end of the first phase, you should have changed your spending habits, kept track of your monthly expenses, and laid the foundation for a more secure financial future.

You get the following tools:

  • Money Ritual Workbook to help you develop an enjoyable money habit Weekly Money Ritual Checklist to help you achieve consistent success
  • Finding Your Money Past Workbook to help you begin the healing process of your money history
  • Personal Cash Flow Tracker to effortlessly track every dollar that comes in and goes out Financial Snapshot Worksheet to get an accurate picture of where you stand today

2nd Phase: Money Management Systems

In the next phase, you will learn why and how you should create a long-term financial plan.

Automatic savings methods will be explained to you and you will be instructed on how to use them so that your savings can grow over time. The main purpose of the software is to help you create a monthly budget that you can stick to in order to achieve your financial goals more easily.

Once you get past this stage and change your spending habits, you will be able to enjoy life without going into debt.

The following resources are also available to you:

  • Money Ritual Workbook to help you develop an enjoyable money habit Weekly Money Ritual Checklist to help you achieve consistent success
  • Finding Your Money Past Workbook to help you begin the healing process of your money history
  • Personal Cash Flow Tracker to effortlessly track every dollar that comes in and goes out Financial Snapshot Worksheet to get an accurate picture of where you stand today

3rd Phase: Your Future & Building Wealth

In this final unit, you’ll learn how to develop a financial plan that will help you save for unexpected expenses, prepare for retirement, and invest.

As an added bonus, you’ll learn exactly what credit score is, how it comes about, and what you can do to improve your credit score. During this time, you will learn the proper mindset of an investor and the techniques for earning passive income.

The curriculum will also teach you the importance of giving back to the community. Truly selfless, would not you agree?

More resources are available for you:

  • Money Ritual Workbook to help you develop an enjoyable money habit Weekly Money Ritual Checklist to help you achieve consistent success
  • Finding Your Money Past Workbook to help you begin the healing process of your money history
  • Personal Cash Flow Tracker to effortlessly track every dollar that comes in and goes out Financial Snapshot Worksheet to get an accurate picture of where you stand today

Financial Coaching

Financial and investment advisors are available to you through this service. They are the ones who will take care of your questions and guide you through the process.

Group coaching calls are held weekly where you receive real-time feedback and advice from your coach. You can learn from his or her comments and insights, and address difficult topics that were not covered in class.

Community & Accountability

These groups are made up of people who share your passions and are on the same journey as you. There is a place on the Internet where you can get help, vent your frustrations, and celebrate each other’s successes.

The point of such a group is to connect with people who share your interests and goals. Since the software wants you to have company on your journey, it actively encourages it.


Also, you will consider what mindset is ideal to achieve your financial goals. According to the program, you yourself are the most important factor in determining your success.

You will learn how to rewrite your story about money so that you can live the life you envision for yourself.

Recommendation: Make Passive Income Online

What Does A Million Dollar Year Offer?

This mastermind course is perfect for anyone who is either new to managing their own finances or just wants a little more structure.

Million Dollar Year is guaranteed to help you become financially independent. You will gain knowledge on how to build a solid financial foundation and methods to achieve financial independence.

As a member of Million Dollar Year, you will have access to the following benefits:

  • Weekly Text Message Accountability
  • Members’ Online Community
  • Weekly Q&A Calls with a Financial Coach
  • Access to the 12-Step Signature Curriculum
  • Pre-recorded Videos, Spreadsheets, Workbooks, and Templates
  • Access to the Financial Training Vault
  • Access to live Millionaire Mindset Workshops

Million Dollar Year Pricing

There are two pricing tiers for Million Dollar Year. A one-year payment plan is available, or you can pay the entire $1,999. In this case, the monthly fee would be $199.

If you complete the course and feel it does not meet its requirements, you can file a complaint within 14 days of the day you completed the course and receive a full refund minus a processing fee.

You will get your money back for a full 12 months if you are not satisfied. You are entitled to a full refund if you have not saved at least twice as much as you first invested in the program, as per the guidelines. 

However, you must prove that you have completed the required coursework. I appreciate the assurance of a money back guarantee. 

However, I do not think a one year waiting period for a money back guarantee is appropriate. You may have used this amount to build a nest egg or make other investments.

In fact, there are no refunds for the Million Dollar Year program as long as you are actively participating. The training resources are available, but you can not get the money back, according to the website. 

Since it is a digital-only product, no returns can be accepted. The program guarantees results for a full year. After that, you can ask for a full refund if you are not satisfied with the results you got by using the techniques they teach.

Since they approach the issue of making money comprehensively, these experts are sure that their program will improve your life dramatically within a year. They believe that their system will result in few complaints and fewer refund requests.

In fact, I have to admit that I have my doubts. Consistent practice is required for a lasting change in attitude and a more disciplined lifestyle. Some of my friends have participated in master classes and although they did well at first, after a year or so they fell back into their old habits.

Your commitment is the most important factor in preventing a relapse into old habits.

Is Million Dollar Year a Scam or Legit?

Here comes the million-dollar question: does the million-dollar year work?

In the strict sense of the word, no. You can undoubtedly make money with it, but it’s not quite as easy as Britt Williams Baker would have you believe.

Anyone considering buying a financial product should be aware of the significant risk involved.

While it’s not impossible to make it to the big leagues and retire on a vineyard, getting there is so stressful that it can cut your life expectancy in half, IF.

One of my close friends is a copywriter for a world leader in advertising financial shows on TV… So believe me when I say that most of the impressive statistics they cite in their ads and landing pages are questionable at best.

What you do not read about are the dozens of unsuccessful bets and trades that preceded the big win.

Most people can not maintain their emotional reserves with defeats for three months straight before (ideally) making a big win.

Does Dow Janes Have One-On-One Financial Coaching? 

They also offer one-on-one tutoring and help with money management.

A week before their “Weekly Momentum Call,” members of the Million Dollar Year Online Community Group can post questions and concerns about their own finances.

You can buy the Coaching Calls series if you are not satisfied with the chat and want advice on personal development or money management.

The decision to place you in one-on-one coaching is up to Laurie Anne and Britt.

Recommendation: Make Passive Income Online

Is Million Dollar Year Applicable Only For Beginners?

The question is whether or not this breakthrough coaching method is only for newbies. What if you think you already have some financial knowledge? How about getting started now with Million Year Dollar?

This review of The Million-Dollar Year puts you in the mindset of someone taking a course for the first time, as it focuses on the elementary principles. Even though it claims that any woman can amass riches, it’s important to think about how that would work in practice.

Laurie Anne and Britt have made it their mission to help students eliminate their debt. They start with some actionable advice on how to stay out of credit card debt, and then move on to a more philosophical discussion on how to change your thinking and make some investments.

Even if you are financially savvy, you can still learn a lot from this group.

After completing the course, you should be able to do the following:

  • Create an “all my expenses ” list to keep track of wasteful spending.
  • Keep a good, worry-free cash flow statement.
  • Establish financial habits that will lead to financial prosperity.
  • Set a monthly savings goal and stick to it.
  • Create passive income streams
  • Invest regularly and unwaveringly.
  • Get out of the rat race by developing a billionaire mindset.
  • Be frugal with your monthly spending.
  • Take advantage of complete financial clarity and serenity.
  • Adjust your financial knowledge to avoid being intimidated in the financial industry.

Does Million Dollar Year Teach About Stock Investment?

There is no stock trading tutorial in this course. The Million Dollar Year is not the book for you if you want to understand the inner workings of the stock market.

Simple information on when to invest, many investment options, risk management, and profit maximization are the mainstays of their investment planning software.

Note that the company is not interested in quick and easy profits. They are interested in a process and long-term balanced investment, as mentioned earlier.

What I Like About Million Dollar Year

  • You will have access to a comprehensive training program that will show you how to achieve your financial goals through investing.
  • The program is primarily geared toward women, so you should attend if you are or identify as a woman.
  • The neighborhood seems welcoming and nice.
  • Laurie-Anne and Britt are qualified to teach an investment class.

What I Don’t Like About Million Dollar Year

  • The reimbursement policy is completely absurd. Essentially, you have to prove that you followed the programme’s instructions. You are entitled to a refund if you were not able to save at least twice what you spent on the programme. This does not seem fair. Many things can happen over the course of a year.
  • In short, the course is expensive. It is way too expensive.
  • What is taught here is available for free through online resources. Just a thought. A course does not have to cost $4,999.

Recommendation: Make Passive Income Online

Can Dow Janes Help You Make Money?

Yes. The Financial Training Vault claims that even with a few resources, you can increase your income by at least $1,000 every month.

However, do not expect step-by-step instructions, just a rough overview of investing. Given the focus of the course, I expect that you will be able to earn a nice chunk of money by saving and investing.

In case there was any confusion, Million Dollar Year does not include a comprehensive guide to starting a business.

Better Alternative to Dow Janes to Make Passive Income

If you want to make a stable and secure stream of passive income, I would suggest you start an affiliate marketing business online instead.

Affiliate Marketing is perfect for anyone who is new to online business.

In fact, of all the online business models I’ve tried, affiliate marketing is the easiest and most rewarding so far.

In affiliate marketing, you can actually run your business almost with zero cost and achieve a steady and sustainable passive income to pay for your bills. You don’t need any initial capital and can even do it as a side hustle.

And if you really want to learn affiliate marketing and build a business from scratch, I’d recommend you to get started with the most reputable platform for affiliate marketing: Wealthy Affiliate.

Wealthy Affiliate is an all-in-one platform for building your affiliate marketing business from scratch. It offers you a free account (including a free website) with comprehensive training on SEO (free traffic methods), which enables you to get started with affiliate marketing right away without paying a penny.

But How Much Can You Earn with Wealthy Affiliate?

A 21-year old student from Wealthy Affiliate was able to earn $7,395 in just 1 week, which means he made more than $1k a day…all while using free traffic methods.

Dow Janes Review

Wealthy Affiliate has existed for 15  years and there are many success stories in the past decade.

To give you more examples, here are some of the other inspiring success stories of Wealthy Affiliate members.

Where to Join Wealthy Affiliate?

Wealthy Affiliate has a very simple pricing scheme. It has a free and premium membership.

If you want to feel about Wealthy Affiliate, you can sign up for the free starter membership here (no credit card required). You can select to be a free member with no time limit.

And as a starter member, you can get instant access to the community, live chat, over 500 training modules, 2 classrooms, networking, commenting, 1 free website, access to the keyword tool.

You can enjoy all these values without paying a penny.

So I strongly recommend you to register a free account and see it yourself.

Recommendation: Make Passive Income Online

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