Dow Janes Review (2024 Update): Is Million Dollar Year A Scam?

TLDR – Is Dow Janes Legit?

Personally, I wouldn’t buy Million Dollar Year, and I don’t think you should either..

Here’s why.

Getting your financial life in order isn’t rocket science. Listen to Dave Ramsey on your commutes to work, and within a few days or weeks, you’ll have all the personal financial guidance you need.

Then make sure to follow all the money management platitudes like:

1. Pay yourself first

2. Track your spending with an app like Mint.com

3. Live below your means

And yes… That means you might have to put that Chanel bag on hold for now..

Sorry, it’s the truth.

But in all seriousness, that’s about 95% of all the personal finance advice you really need. If you need accountability, just get a friend in on this.

It doesn’t cost you four grand to learn money management. That’s like paying for fancy Fiji bottled water when you have perfectly fine tap water at home…

Instead of paying four grand to learn the information you can find on YouTube, why not invest that money to learn high-income skills instead?

And what if you could learn high-income skills that allow you to quit your 9 to 5 job and work remotely?

I know a program that teaches you how to earn semi-passive income streams. With a little upfront work, you can collect anywhere between $2,000 to $10,000+ every single month.

You can grow it to be as big or small as you’d like.

Just imagine how much faster you’d get out of debt if you could double, triple, or in some cases, quadruple your income.

Not only can you get out of debt, but you’ll have a lot more Benjamin Franklins to buy the things you’ve always wanted. Best of all, you don’t have to worry about penny-pinching strategies like:

• Selling all your precious clothes

• Refusing to buy Starbucks coffee to save a few extra bucks

• Skipping date nights

• Saying no to family vacations

• Calling debt-collection companies to refinance your debt

I’m all about sacrifice if that means a bigger payoff. But money management just sounds like endless torture.

If you want to move up a couple of income brackets so you can erase your debt in record time, you might want to consider the Digital Rental Method instead.

But if you’re keen on learning more about Million Dollar Year, keep reading.

Who Benefits From Dow Janes And Who Should Stay Far Away

The Million Dollar Year might be a good investment if..

1. You’re already earning $10k+ a month but just need some money-saving strategies.

2. You don’t want to start a business and only want personal finance tips.

3. You just want to get out of debt and don’t care about increasing your earning power.

On the flip side, you should probably click away and never return to Dow Janes if…

1. You’re not earning enough and don’t have the patience to wait years to achieve financial freedom.

2. You want to start a business that generates semi-passive income. (My personal choice is to build Digital Real Estate.)

3. You don’t want to get into more debt by paying $4k for a course that teaches you how to get out of debt. (kind of ironic if you ask me…)

Source	Quote	Link
	“Nothing educational so far. So many buzz words and red flags!!”	Source
	“The investment it 100% appropriate to the returns when you put in the work.”	Source

Million Dollar Year At A 1,000 FT View

Million Dollar Year is a 12-month group coaching program that takes a systematic approach to helping you pay off debt and grow your wealth.

The program is run by Dow Janes, a financial education company that helps women take back control of their money.

With women holding about two-thirds of the country’s $1.54 trillion student debt, Laurie and Britt are certainly tackling a noble cause.

To add further insult to injury, the average American household has a staggering $103,358 in debt.

As someone who supports female empowerment, I gotta give them credit where it’s due.

The program focuses on helping you build a healthy financial mindset and money-saving habits so that you’re not drowning in debt.

Who Are The Founders?

Britt Wiliams Baker and Laurie Anne King are the masterminds pulling the strings behind the Million Dollar Year.

Britt is a grad of Harvard business school and has a decade of investing experience. Laurie is a serial entrepreneur, growing two seven-figure businesses from the ground up.

My Personal Opinion – Is the Million Dollar Year Worth It?

Time for the one-million-dollar question – is Dow Janes a scam?

No, not exactly. I’m sure Britt and Laurie have their hearts in the right place.

But no matter how much I want to love this course, I honestly can’t in good conscience recommend buying the Million Dollar Year program.

Frankly, I’d be remiss if I did tell you to spend your money here. Because you’d only come back to me with disappointment, knowing that I didn’t have your best interest at heart.

Which is why I can’t wrap my mind around why Britt and Laurie would charge $4k for a course that helps you get out of debt….

It’s like pouring gasoline on a house fire.

The only way to get out of debt is by addressing the root problem, which is you’re not earning enough!

If you’re like the average person with 20k, 50k, or even 100k in debt, you can’t just cancel out coffee and save your way outta debt.

Don’t even talk to me about investing your way to becoming rich either. With the S&P500 giving you an average return of 10%, you’re not fooling anyone with that hocus pocus advice.

To overcome the mountain of debt you need to pay it down as FAST as possible for two reasons.

1. Boost your confidence and alleviate stress

2. Avoid interest from piling on

But as I said earlier, what if you could double, triple, or even quadruple your income?

The good news is that there is a way to create multiple income streams that allow you to collect checks of $500 to $2,000 each every single month.

All you have to do is build Digital Real Estate. And with each Digital Rental Property, you’ll be increasing your income and paying down your debt faster.

Soon it’ll be a snowball effect, and the Digital Rental Method biz will do all the heavy lifting for you.

Best of all, you don’t have to make sacrifices either, like:

• Cut out morning coffees

• Sell your car or home

• Beg family and friends for money

• Get a second job

Instead of sacrificing, you’ll be living life like a queen. In fact, many of my friends are able to run their 6-figure Digital Rental Method businesses, all while:

• Taking their family to Disneyland and carnival cruises

• Going on a mini-honeymoon with their spouse

• Spending their time sipping on pina coladas in Hawaii

They focus on enjoying life to the fullest. They adopt a life of abundance, knowing they’re able to have all the things they want in life, and reject the notion of penny-pinching their way to financial success.

Living happily is their top priority.

So, if that’s the type of life you want to lead, the Digital Rental Method might be for you.

What’s Inside Million Dollar Year?

The Million Dollar Year consists of three phases, which include:

Phase One: Create a New Financial Foundation

Here, you’ll learn how to set up a financial system that will;

• Change your money habits

• Boost your financial confidence

• Improve your financial literacy

You’ll also learn how to track your monthly expenses and plan for a better financial future.

Some tools available in this phase include the following:

• Money Ritual Workbook to help you develop a positive money habit

• Weekly Money Ritual Checklist to keep you on track

• Uncovering Your Money Past Workbook to heal your money story

• Personal Cash Flow Tracker to monitor your income and expenses

Phase Two: Money Management Systems

The Million Dollar Year program teaches you how to set and achieve long-term financial goals.

You’ll also learn how to automate your savings and grow them over time.

The program will help you create a monthly budget that will align with your financial goals.

Phase Three: Your Future and Building Wealth

Here, Laurie Anneand Britt will show you how to create a financial plan that will cover your:

• Emergency fund

• Retirement fund

• Investments

You will also learn about credit scores, how they work, and how to improve them.

This phase will also teach you how to develop an investor mindset and how to earn passive profits through investing.  

Million Dollar Year Cost and Refund Policy

The Million Dollar costs a one-time fee of $3,998 or 12 payments of $398.

If you pay in full, you’ll get a bonus that teaches you how to invest. It’s not clear whether this is stock trading or real estate investing.

Dow Janes does provide a refund policy where they’ll refund you 100% of your purchase within 10 days of enrollment if you’re not happy with the program.

Final Thoughts on My Million Dollar Year Review

So, should you give a cent of your hard-earned money to Dow Janes?

I would hope not.

Sure, they might help you get out of debt, but not before you take on more debt first!

Call me crazy, but I don’t think it’s a wise move to put $4k down on a course if you’re swimming in debt.

Especially when there’s already a gazillion free resources online on personal and business finances.

It’ll take a long time before you get out of debt.

If you want the ‘get-out-of-jail free’ card and press the reset on your financial life, I have a better way for you…

#1 Alternative For Making Money Online in 2024

Alright, time for me to get real with my lovely readers for a moment:

I’ve personally struggled with debt and managing finances. And along the way I tried a few things like:

• Obsessively look at budget spreadsheets in hopes of cutting down my debt faster

• Stop spending on coffee, clothes, and any non-essential item I wanted to buy

• Cut out date nights and outings with my friends

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Believe me when I say I was miserable. It doesn’t help that even with all that effort, my debt still felt like an impossible mountain to climb.

But that wasn’t until I figured out how to significantly increase my income. And I did to the point where I started making $20k+ months from this business model.

But I don’t just recommend you just “negotiate for a raise” or “get a second job” like most financial gurus.

I would at recommend you implement something that is tried and true, because I’ve seen TOO MANY people (including friends and family) get burned by financial programs like the Million Dollar Year.

They sell you on the grandiose idea of getting out of debt, only to charge huge sums of money for their program that doesn’t teach you any high-income skills.

That’s why you need to be very, very careful.

This is one reason why I only recommend proven, tried, and true business models, like Lead Generation & Ad Agencies.

There are a bunch of programs out there that teach you those skills, but my top choice is the Digital Rental Method.

Why? It has proven leaders with their own 7-figure businesses implementing exactly what they teach you.

I’ve also got over a dozen personal friends in there, so I feel comfortable telling you it works.

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, their program works.

Here’s Why:

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 (for the most part).

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)Big Margins: With most businesses, you’re often going to have really slim margins. That means you need to hit a serious scale to make serious money. 

With the Digital Rental Method, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases and the effort put into creating the next property decreases.

Best case scenario, you have properties bringing in over $3,000+/mo on “auto-pilot”.

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 with Dow Janes, you would need a lot more help than they offer. 

And I can guarantee you that’s a lot harder than a few clicks & a phone call.

4)You’re Helping REAL People: My biggest gripe with Million Dollar Year is that you’re basically only helping yourself. 

But with the Digital Rental Method, 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 we 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 off-the-wall business models like Million Dollar Year and maybe hit it big one day.

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 who need it.

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