Dow Janes Review (2022): Is Million Dollar Year A Scam?

By: Hope
By: Hope
Welcome to my Dow Janes review. My goal is to answer common questions like: how much it costs, if it's a scam, if you can actually make money with it, & who Jono Armstrong really is. The end goal is to help you understand if its a good fit for you personally, and if there are any better alternatives out there.
Million Dollar Year Reviews


This Dow Janes 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.

What I Liked

What I Didn't Like

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

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.

Important: I am not an affiliate

for Dow Janes

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Dow Janes is teaching you to do.
I have absolutely no relationship with Dow Janes, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with stock trading.

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

Laurie Anne King and her friend Britt Williams Baker carry the vision of empowering women in handling their finances. These two built “Dow Janes” also called Million Dollar Year. This masterclass program caters financial goals of women across the globe.

Dow Janes isn’t your typical financial training course. The product aims to empower and celebrate feminism by attaining financial confidence and financial freedom.

In other words, these gurus believe that women should have better management skills and influence in their financial life.

But is this program for real? Is the financial coaching effective? If yes, what’s the cost to join Million Dollar Year?

I’ll answer everything in this Million Dollar Year review… just keep scrolling.

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

You want to make more money than you currently make, ideally by leveraging resources you already have.

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

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 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 Million Dollar Year looks like on the inside, keep reading.

Who Are Dow Janes’ Financial Coaches?

Dow Janes Coaches

You’ll be mentored by the company’s founders: Laurie Anne King and Britt William Baker. These ladies are self-taught millionaires who entered this industry in hopes of ending the financial gender gap.

Most men are more comfortable with investing than the average woman. Laurie Ann and Britt want to redefine society’s standards: If a man can do it, so can a woman. I really love that about them.

Britt Baker is a proud Harvard Business School graduate who brings a light and fun teaching approach to financial literacy. Her goal is to radiate positive vibes while making her students hit zero debt and consistent income.

Britt began investing at the age of eight and has since made an emergency fund and savings for herself. Years of experience have qualified her to teach investing and make it easy to understand.

Laurie Anne, on the other hand, is an energy healer. She’s an empowering speaker and a motivator who has allegedly helped many people get their lives together. She longs to reach those who have lost hope in building financial freedom.

She has built her own business, which now makes seven figures. This achievement drove her to pursue a financial counseling career.

Laurie-Anne King and Britt William Baker have a common goal: to build the financial confidence of women around the world – which in my opinion, is a heavy and really admirable task.

Aside from the founders, you’ll meet Craig Wallace. This dude is a registered investment advisor who has finished a financial planning master’s degree. He will guide Million Dollar Year members with their financial concerns and investment plans.

What Is Dow Janes?

Million Dollar Year Review

Dow Janes is a money mindset online course that highly believes in women’s ability to create massive wealth. If you browse the company’s website, you’ll be greeted with a tagline, “Great things happen when women+ have money.”

As mentioned above, Dow Janes is also known as Million Dollar Year. The name speaks of what the company does. In 12 months, members are expected to have transformed mindsets, habits, and viewpoints on their financial goals. It only takes a year to increase your current financial condition.

However, the company’s financial coach clarifies that it’s not easy build your wealth training program. They’re there to help with the process more than the outcome.

This program emphasizes that a solid financial foundation can make your financial future. You’re expected to write your money story through the Million Dollar Year by the end of the year. You must know where to invest and take control of indulges in having successful financial life.

According to the gurus, if you listen and apply everything they teach, chances are you a get at least a million-dollar net worth throughout your lifetime.

What Does A Million Dollar Year Offer?

Million Dollar Year

Whether you’re handling your money on your own for the first time or simply want a little more order in your financial life, this mastermind course has got you covered.

Million Dollar Year promises to assist you on your journey to wealth. Basically, you’ll learn financial foundation topics and financial freedom practices.

You get the following benefits once you join Million Dollar Year:

  • 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

How Much Does Million Dollar Year Cost?

Million Dollar Year Price

Million Dollar Year offers two payment options. You can either pay everything for $1,999 or buy their one-year installment plan. In that case, it’s $199 each month.

If you finish the course and don’t believe they’ve fulfilled their claims, you can submit your complaint within 14 days of your completion date, and they will subject it to a refund fee.

Continue reading below to see how you can get refunds.

Satisfaction Guarantee

Customer Satisfaction Guarantee

They also offer a money guarantee back for the next whole year. According to their policy, if you haven’t been able to save at least twice the money you invested in the program, you are entitled to a full refund. However, you must prove that you did all the lessons and tasks they ask of you.

It’s good that they offer a guarantee. However, I believe a year of waiting isn’t ideal for any refund policy. You could have used that money for an emergency fund or additional investments you have in mind.

Let’s make it simple, Million Dollar Year doesn’t provide refunds while you’re still in it. According to the website, you can’t get the money while accessing their training tools. They don’t do returns because they’re a digital product. If, after a year, you still haven’t had success with their mindset training, then you can request to get your investment back.

These gurus are confident that the program will transform your life entirely after a year since they teach a holistic approach to the money-making journey. Meaning that they believe their system rarely leads to any complaints or refund requests.

And to be honest with you, I’m a bit skeptical about it. A transformed mindset and disciplined lifestyle take continuous training. I have friends who undergo masterclass trainings, and they do great for the first few months or a year, only to return to the same bad habits again.

Everything depends on your commitment, or you’ll fall into negative behaviors again.

Million Dollar Year Review: A Scam Or Legit?

Beware Of Online Scams

Alright, time for the $1,000,000 question: is Million Dollar Year a scam?

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

With financial products, you need to understand that you are taking a very big risk.

So while it’s entirely possible that you hit the big leagues and retire to a vineyard… the path to get it 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: 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!

Does It Have One-On-One Financial Coaching? 

Personal Consultation

Yes, but they offer private coaching and personal financial guidance.

If you have questions and financial concerns, you can post them on Million Dollar Year Online Community Group a week before their “Weekly Momentum Call.”

If you’re not satisfied with the conversation and want personal direction or financial tips, you can proceed to purchase the Coaching Calls series.

Laurie Anne and Britt will decide if you’ll be set up for customized coaching.

Is Million Dollar Year Applicable Only For Beginners?

Million Dollar Year Review

The question is, is this transformational coaching program only suited for novices? What if you’re already pretty financially literate? Can you still join Million Year Dollar?

This Million Dollar Year review has introduced you to a beginner’s course mindset, as it talks about foundational teachings. Though it promises that every woman can build wealth, it’s still good to consider the process and methods to actually achieve it.

Both Laurie Anne and Britt are passionate about making students debt-free. They practically teach habits to avoid revolving credit card debt, then proceed to their transformational mindset and investment tips.

If you already have financial literacy, you can still learn a lot of things from this community.

Here are the expected results you should achieve by the end of the program:

  • Create a list of “All My Expenses” to track unnecessary splurges.
  • Keep a good and worry-free cashflow statement
  • Develop financial habits that lead to financial success
  • Set and target desired monthly savings
  • Make passive income streams
  • Invest regularly and without hesitation
  • Create a billionaire mindset—get out of the rat race
  • Be wise with your monthly expenses
  • Enjoy complete financial clarity and peace of mind
  • Adapt financial literacy so you can be free of intimidation in the financial industry

What If You’re Not Working Or Earning Money?

Unemployed Job Seekers

It doesn’t matter if you’re jobless or not, as long as you can pay for the masterclass. They’ll be willing to assist you if you really want to change your financial conditions.

They have topics about investment plans and income generation ideas.

What If You’re Self-Employed And Have An Unreliable Income?

Need Incurring Income

Today’s fluctuating economy affects most jobs of the people around the world. As entrepreneurs, the coaches understand how unstable the market is. They consider addressing the current issues and problems of those who’ll join the course.

Million Dollar Year gives way to those who face inconsistent returns and unstable business. The gurus mention that they’ll teach you about good financial management even if you only have a small amount in savings.

And in my opinion, how can you manage a small portion of your income? Isn’t it best to provide opportunities on how to double your current income?

Does Million Dollar Year Teach About Stock Investment?

Women Investing Stock
Middle Eastern woman tracking and trading stocks using laptop and desktop computer. Stock Exchange, investment, and financial trading concept.

Unfortunately, this course doesn’t cover trading stocks. So if you want to learn how to buy and sell stocks, Million Dollar Year isn’t for you.

Their investment plan program simply covers topics on when to invest, different types of investment, reducing risk, and maximizing rewards.

Note that this company doesn’t believe in easy and quick ways to earn money. As mentioned earlier, they’re after the process and long-term balanced investment.

Is This A Financial Education Company That Can Help You Make Money?

Can You Earn Money

Yes. It’s stated on their Financial Training Vault that you can have at least a $1,000 increase per month regardless of limited time, ideas, and work.

However, it only covers general investment-related topics, so don’t expect a step-by-step procedure. I can only assume that you’ll get one thousand bucks from managing and saving money since that’s the core of this course.

To be clear, Million Dollar Year doesn’t give in-depth details on starting a business.

What Is My Top Recommendation For Making Money In 2022?

Legit Way To Make Money

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 macro-economic 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 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 programs like Million Dollar Year, 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.