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Dividend Machine Review (2022): Is Bill Spetrino’s Investment Guide Legit?

Last Updated: November 27, 2023

Dividend Machine Review


This Dividend Machine review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Before We Get Into It... Who Am I?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people.

People in this case were local business owners across the US.

Me and My Puppy

For Dividend Machine

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

They have no clue what it’s actually like to run the different types of businesses they write about.

I have absolutely no relationship with this program, so you can rest easy knowing I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

Table Of Contents

I’m glad you’ve decided to read my take on The Dividend Machine. The purpose of The Dividend Machine is to guide in creating optimal income-generating investment portfolios consistent with Bill Spetrino’s investment mandate: “Keep your investments boring, and the rest of your life fun and exciting.”

Bill Spetrino understands that this may not appear to be the best approach to introduce you to The Dividend Machine.

Heck, it seems that everyone else in the financial arena is attempting to pitch you on “exciting investment opportunities” that promise nothing but “great heart-pounding growth!”

How can Bill Spentrino keep attracting subscribers with a sales strategy that promotes “boring” investments?

Has he gone insane?

What a sales pitch!

As Bill Spetrino would have you believe, chasing high-growth stocks can be as exciting as hitting the jackpot in Vegas when you come across a winner.

But here’s the dirty little secret of seeking growth at any cost that those fly-by-nights investment advisers and analysts won’t tell you…

In the end, most investors who bounce from stock to stock in search of a prominent Wall Street score lose money or, at most, break even, much like in Sin City.

If you are anything like Bill Spetrino and the others he advised, that is not a good fate for your retirement nest egg. You can’t afford to place wagers that aren’t going to pay off.

Bill can’t bear the concept of an investment portfolio with 65 percent winners and 35 percent losers, which is what many high-growth chasers strive for, with the mistaken investment philosophy that the winners will outweigh the losses.

Instead of that frequently futile and deadly pursuit, The Dividend Machine subscribers prioritize two investment strategies above all: safety and income.

Bill Spetrino’s goal is to find the best deals for tens of thousands on the market.

The Dividend Machine portfolio consists of large multinational corporations involved in “boring” industries such as consumer goods, pharmaceuticals, retail, finance, and established technology.

Companies that pass his stringent multi-step vetting procedure must meet a variety of criteria. He picks out firms that have memorable brand names, a robust balance sheet, a cash reserve to allow them to survive and prosper in challenging markets and are in an industry where they have a significant competitive edge.

Others may find his approach to be “boring.”

Bill is unconcerned.

His outcomes speak for themselves. While other newsletter services have good years and bad years, He has continued on a path of sure and steady gains.

He’s delighted to claim that he has assisted tens of thousands of readers in creating their own Dividend Machine, which provides consistent, rising income for life.

If you’re like most of my readers, you came across Dividend Machine for one main reason:

You want to make more money than you currently make by leveraging your existing resources.

Maybe you’re even looking for a quick turnaround on some of your cash instead of waiting years or even decades for it to double.

Well, you’re in good company – who wouldn’t want all of that?

There’s one thing you need to watch out for though: legitimate scammers.

The idea of making 10X on your money in a day is obviously something that would entice the masses, and so it naturally attracts a lot of bad actors into the financial products space.

But for purposes of this review, let’s assume these people had the best of intentions.

Even with the most sophisticated systems out there, most experts barely manage to get it right 10% of the time…

Obviously, there’s an argument to be made that 1 winning bet can outshine 10 losing ones…

But if you mess up and miss a trade even one time, your month can turn sour pretty quickly.

Suffice it to say, there’s a whole lot of stress & uncertainty.

Now don’t get me wrong, it doesn’t mean you’re guaranteed to lose money. I’m just saying that you need to be aware of what you’re getting yourself into.

But what if you could build a different income stream, and start seeing profits within your first few days?

I’m talking about a system that doesn’t require:

  • Obsessively checking your phone and charts
  • The emotional turmoil of loss after loss, waiting for that win
  • Glorified gambling

Something that you could make anywhere from $2,000 – $10,000 with consistently, month after month?

A stream of income that you can build as high (or low) as you feel like building it, without spending every waking hour watching for alerts and pouring over charts?

If that sounds interesting, you might want to think about becoming a Digital Landlord.

If you wanna see what Dividend Machine looks like on the inside, keep reading.

The Dividend Machine Features – Investment Portfolio

When you sign up for Bill’s newsletter, The Dividend Machine, you immediately become one of his business associates. It entitles you to all of his special treatment.

Monthly Investment Newsletter

  • Hulbert Financial on Wall Street has ranked this straightforward eight-page newsletter as number one for safe investments. Bill also recommends adding a new company to your investment strategy monthly.

Weekly Updates

  • Bill and the other investment advisors at The Dividend Machine will email you every Tuesday summarizing and reporting on their observations of the stock market and, more specifically, each position in your portfolio at that time.


  • Every Thursday, Bill will send you a podcast. He goes into greater detail on the stocks in the portfolios, earnings forecasts, noteworthy news about various companies in the portfolios, or anything else on Bill’s mind at the time, especially his investment philosophy.


  • The Dividend Machine offers a conservative portfolio, an aggressive portfolio, and an international portfolio. Members are advised on all three investment portfolios.

Special Reports

  • To date, Bill Spetrino has released 16 special reports, including the acclaimed publications Rich By Friday, The 5 Best Stocks to Buy Right Now, and The World’s Greatest Dividend Stock. Members get access to all 16 of these reports.

Dedicated Customer Service Team

  • Customer assistance is available by phone, fax, and Email for subscribers and members. A unique order I.D. and account number will be assigned to you to ensure that we can always serve you.

Who Is Bill Spetrino? Dividend Machine Reviews

Who Is Bill Spetrino

Bill Spetrino thinks he was destined for a career in investing. A new baby brother had recently been added to the family. So that Bill wouldn’t feel left out by his new sibling, he got him a box of baseball cards.

He recalls 36 packs of cards, each with five cards and a stick of gum. Back then, a pack of cards was 5 cents. Thus each card was a penny.

Bill lived in a poor neighborhood, and one of his richer pals wanted his Sam McDowell card. Sam McDowell was the school’s favorite player at the time.

Of course, he didn’t want to sell it. But then his pal offered him 35 cents. He sold! He spent his 35 cents on 7 additional packs of cards.

Bill kept selling cards to my classmates and purchased more. Six shoeboxes full of cards greeted his father two months later.

Then Bill took them.

His dad was impressed when he described what he was doing. He was even more surprised when Bill showed him his $35 savings…

Bill Spetrino wrote The Great American Dividend Machine to teach as many people as possible about investing.

He retired at 42 by establishing a dividend machine for himself.

He could literally walk away from my 9-5 job and live comfortably on the money from his investments at that young age.

So he established The Dividend Machine newsletter to enable as many others as possible to enjoy the same independence.

Bill doesn’t consider a huge house, new cars, a country club membership, or keeping up with the Joneses to constitute success. To Bill, that is debt, debt, debt.

Success for him means freedom. Freedom to spend each day as he wishes. To him, debt means you can never truly be “free” if you have to work daily to pay for your worldly desires.

Bill entered the financial markets to become financially independent. After graduating from John Carroll University, he started working for a small accounting firm at 23. “I can’t do this for 45 weeks, let alone 45 years,” he thought after his first day.

He spent the rest of his time figuring out how to retire financially independent.

So Bill Spetrino spent hours reading books by some of the world’s top financial brains. He devoured Benjamin Graham and Warren Buffett. He still reads for 3 hours daily. He is always seeking to learn from others’ wisdom.

So, back to Bill’s market entry. Ultimately, he felt it was time to invest on his own. Like many others in his little town, he grew up poor, so he sold his BMW and bought an old beater for $1200.

He used the remaining $8000 from the automobile sale to develop his dividend machine.

He got his dividend checks every 3 months. He kept reinvesting dividends, and he could buy more stocks when his equities fell in value. He instantly saw how great my dividend machine idea was.

It wasn’t glamorous. Bill’s main goal was to save money while he continued to create His dividend machine. In the end, he was able to retire aged 42. His investment income now covers all of his living costs.

That’s his aim for The Dividend Machine newsletter readers. The goal is to live comfortably off their investment income. For subscribers, a conservative investing strategy focused on safety, income, and growth is built each month.

Their goal is to attain a compounded annual return of 10% or higher dividends.

Bill thinks they’ve had some success. In addition, The Dividend Machine newsletter has been named the industry’s #1 low-risk newsletter by Hulbert Financial Digest, a central authority.

This distinction is a testimonial to Bill’s dedication to making The Dividend Machine an excellent newsletter resource for the ordinary investor and value investing.

More About The Dividend Machine of Bill Spetrino

More About The Dividend Machine By Bill Spetrino

If you’re keen on dividend stock investing, sign up for The Dividend Machine, available for subscription at It was made so that more people would be aware of dividend stocks and the potential for high returns they present.

The author of The Great American Dividend Machine, Bill Spetrino, has worked in accounting, teaching, and investment consulting.

He says his success stems from taking a long-term investment approach rather than focusing on making a quick buck in the stock market.

According to Newsmax, Bill Spetrino believes that accumulating money for the future must be complemented by the potential to generate a consistent stream of income at the same time. Unlike traditional securities, dividend shares can be sold at any time.

There is also information on how to make tax-free income by investing in municipal bonds.

Dividends are less hazardous than stock appreciation investments, according to The Dividend Machine.

The latter is subject to bigger losses and the possibility of no future recovery, particularly if the investor or subscriber is compelled to sell the shares.

Dividend Machine Portfolio Subscription

For a mere $99.00 per year, subscribers to Bill Spetrino’s investment guides will access more than $350 worth of information.

This subscription includes 12 months of financial newsletters, a copy of his “World’s Greatest Dividend Stock” report, and full access to an archived data investment strategy, investment opportunities, and investment portfolio library.

On their website, you can join up for a risk-free four-month trial subscription to The Dividend Machine.

However, a $1.00 commitment charge can be paid with a credit card. Furthermore, if you cancel within 60 days, you may receive a full refund.

Dividend Machine Complaints

Some customers aren’t happy with the risk-free trial because the wording they say is misleading. There appears to be an issue with canceling subscriptions, as several users have reported seeing charges on their credit cards even after canceling.

In fact, some of these people had multiple charges filed against them without explaining why.

The initial $1.00 cost required to subscribe is a problematic business practice at work. Online evaluations depict speculation about obtaining credit card numbers to make unauthorized and unjustified payments.

Overall, paying for newsletters is uncommon, especially when the cost is considerable; $99.00 per year appears to be a bit excessive.

The free trial isn’t free if a $1.00 payment is necessary to enroll; needing a $1.00 credit card payment seems weird and isn’t common practice, mainly because retailers charge fees for credit card processing.

Bill Spetrino’s Great American Dividend Machine

Great American Dividend Machine By Bill Spetrino

To achieve absolute financial stability, create the best income-generating investment portfolio possible by leveraging the power of dividends.

Bill Spetrino demonstrates in Great American Dividend Machine that his investment philosophy will guarantee a strong and secure financial future.

Traders and investors who move from stock to stock search for a prominent Wall Street score either lose money or break even.

That is not an acceptable outcome for a retirement nest egg. Instead, true investors put their faith in The Dividend Machine by following Spetrino’s tried-and-true advice: “Keep investments boring while the rest of life is enjoyable and exciting.”

The Dividend Machine – Contact Info

Customer Service Phone: 1-800-485-4350
Customer Service Hours:
Monday-Friday, 8:30 am to 10 pm (EST)
Saturday & Sunday, 8:30 am to 5:00 pm (EST)
Customer Service email:
Mailing Address: P.O. Box 20989, West Palm Beach, Florida, 33416

Are There Alternatives To Dividend Machine?

Other Business Models To Choose From

Yes, there are plenty of other business models to choose from if you want to pursue this making money online. Here are just a few:

Is Dividend Machine A Scam?

Is It A Scam

Alright, time for the $1,000,000 question: is Dividend Machine a scam?

No, not technically. You can 100% make money with it, but it’s not NEARLY as simple as Bill Spetrino wants you to think it is.

You need to understand that you are taking a very big risk with financial products.

So while it’s entirely possible that you hit the big leagues and retire to a vineyard… the path to get there is so stressful, it might just shave a decade off your life… IF you even get there.

A friend of mine actually writes advertisements for one of the largest financial program advertisers in the world… so believe me when I say that most of the “awesome” numbers they use in their ads & landing pages are borderline false.

What they conveniently leave out are the dozens of losing bets and trades that came before the big win you’re reading about.

Now, most people don’t have the emotional bandwidth to stick out 3 months of back-to-back losses before (hopefully) getting a big win.

I’d rather use that 3 months of work (in my spare time) building Digital Rental Properties, and then collect a handful of nice little $500-$2,000 checks every single month afterward (AKA passive income).

And the cool part is that you can do it in a lot less time than 3-months (I personally did it in my first 2 weeks of being a Digital Landlord).

You can do it from anywhere in the world, so it’s a genuine “laptop-lifestyle” business.

All you need is a laptop and an internet connection.

Some of my friends are Digital Landlords that run their 6-figure businesses from:

  • Camping trips at national parks
  • Beachfront in Hawaii
  • On the road in a camper van (with a pet pig!)

They focus on living an enjoyable life first, and focus on income second. All thanks to this program

They can take weeks or months off, and money keeps rolling in.

Living happily is the top priority.

If the thought of living perpetually at your dream vacation spot interests you, being a Digital Landlord might be for you!

What Is My #1 Recommendation For Making Money Online In 2022?

Make Money Online With Digital Landlord

I’ve personally tried all of the major online business models:

  • I’ve traded crypto & purchased a bunch of fancy “insider stock tip” newsletters
  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

That being said, my #1 recommendation for making real money online is, hands-down: being a Digital Landlord.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.


1)Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

2) You Own & Control EVERYTHING: When it comes to the markets, nothing is in your control. You have zero influence over market-shifting macroeconomic trends.

The number of people that have ACTUALLY beat the market consistently can be counted on one hand.
Why pour your soul into a business that you realistically have zero control over?

When you’re a Digital Landlord, you literally own all of the assets, which means you have ultimate control.

3) It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income in the markets, you would need to make twice as many winning trades, or double your profit on each trade. And I can guarantee you that’s a lot harder than a few clicks & a phone call.

4) Make Money Helping Real People: When you make money in the markets, you’re not really helping anyone but yourself. There is a loser on the other end of that trade.

But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other programs like Dividend Machine, which might make you money if you luck out.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.



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