"I'm confident that once my debt is paid off, I will begin investing and the snowball effect from that will carry me towards the future I deserve. It's also provided a framework for conversations with my husband about finances. Our overall household budget has improved considerably."
"I am obsessed with budgeting now! I changed how I do things – I used to really just track my money. Now, I PLAN."
"I have also begun to contribute towards retirement (10%!!) and am successfully saving for future endeavors :) I have learned so much about saving and how to speak my boundaries."
"I joined The Million Dollar Year because growing up I had no financial education and as an "adult" I have seen that life is extremely difficult to navigate because I have little to no knowledge about the world of money. When I saw this program's FB ad and watched the content of the webinar, I immediately thought, 'This will be my starting point.' And I proudly say that it has been MY STARTING POINT! I now understand that it all starts with understanding my relationship with money and from there everything else just started to fall in place as I progressed through the program. The way I see finances now is much more empowering because I know that as long as I keep practicing what I have learned so far I will be unstoppable!"
"I love Dow Janes. This program has been transformative for me. In a few short months - during a pandemic - without any more income than I already had, I've paid off $8k credit card debt, have $0 balance on my credit cards, and learned how to use or not use them to my advantage. I connected with a student loan expert who put me in a forgiveness program that has relieved me of all the stress it gave me for over 20 years. I've got money in a small emergency savings account and am building a large emergency fund. I'm making small investments and learning more about investing all the time. I'm becoming a philanthropist (maybe on a small scale but still!). I made connections with other women in this class who are becoming friends. And I've learned strategies that will stay with me for life. All this on an income of social security and a minimum-wage part-time job. If I can do this - so can you!"
"I joined the MDY to get skills to help me succeed financially with women who know what they are doing and are super supportive. The plan is thorough but easy to follow and I feel like I am making great progress in my confidence as a money manager who is willing to learn more and plan more assertively for the future."
"To change my life! Which the course is doing so positively! My only slight negative is that I would like to be pushed a tinyyy bit more because it is so easy for life to get in the way! But I am trying and I can see the amazing things happening when I do!!"
"Before MDY I felt like I was on a hamster wheel. I was paid relatively well, made ends meet, but had no savings or assets to show for it. My money habits were not in line with my values or goals. My relationship with money oscillated between impulsive spending and obsessive restriction and stress.
Over the course of MDY I had my first baby and purchased a house with my partner. I often wondered if I could benefit from the program with so many moving parts and major changes going on in my life but realized it was the absolute best time to start changing my relationship with money and spending habits. I feel knowledgeable, empowered, and confident in being able to accumulate wealth for myself and my growing family."
"By implementing just one of the "out of the box" strategies in the program, I was able to eliminate my high interest rate credit card debt instantly. I now have £2000 in savings and am no longer scared of looking at my account. I now know where my money is going."
"I've learned that I have a bumpy history with money. I'm now more aware of where my beliefs came from and can be more mindful with my money habits going forward."
"I decided to join the Million Dollar Year because I was tired of being clueless about money. I had no understanding about money and it was time I learned. The feminine approach felt like a safe place to do it. I can tell you that for me, some of the lessons were difficult on an emotional level. I'm coming to terms with a lot of restrictive beliefs and unconscious money habits. It's not easy, but as they say, the truth shall set you free. I feel like I finally have the tools to get my financial act together."
"I joined to really get my finances on track for retirement from service. It has been an amazing experience! I love the support from the community, the easy to follow steps, and the holistic approach to finances. I truly feel in charge of my finances for the first time as I meet my goals one after another. Thank you Laurie-Anne & Britt!!!"
"I joined to get my financial life on track for my future goals. After raising these 4 wonderful men (in my pic) and retiring from the military and other federal service positions - I have a great retirement but I was not as financially focused as I wanted to be. This course is magnificent. I have been able to reduce my 2021 annual spending by $1700.00 and that's only after 2 months of working/focusing on it. It was fun and easy too. I am now working on saving for investments! So exciting to have set the long term financial goals for myself - they have given me a new outlook on life. I feel competent about my finances and I love being "A girl who knows her numbers"! I shared that with my college aged granddaughter and she loved it. I think I have a follower. My life just keeps getting better because of MDY, thank you!"
"I decided to join Million Dollar Year because I was always so close to getting where I want to be financially but never quite get there. I have enjoyed meeting other women who are like minded and all of workshops are rooted in mindfulness. I have a savings for the first time ever. I have investments for the first time ever. I have zero debt for the first time ever. I feel free and in control of my money as opposed to it controlling me. I live in abundance for the first time. And I think this time next year, we will be home owners for the first time too! This definitely did not feel like a reality a year ago and boom. Roadblocks removed and my money relationship is forever changed."
"Before I joined, I felt stuck. Although I would always plan, I didn't see a path out of my debt. Now I do. I am following the course instructions and I'll be done paying off this debt before I ever pay another penny in interest!"
"I felt helpless with the debt I had and not gaining any financial ground. I had terrible spending habits and had been overspending. Now, I have been more focused on my finances and obtaining my goals, instead of feeling lost and out of control. I have a clear plan and I am sticking to a budget better than I ever have!"
"I now feel more secure in myself and my ability to take care of my financial needs and my household. I realize that these skills I'm learning now are essential to living a happy, confident, adult life. I'll never go back to the way I was before. Financial health is important to me and I learned I can do it! It's given me the tools to teach my child too."
"I joined the Million Dollar Year because I felt in the dark about my finances - money just came and went. I wanted to feel confident about my spending habits and my savings and retirement vision. This course totally changed my perspective and relationship to money, gave me really tangible tools to take control of my finances, and granted me clarity on large financial goals. LOVED IT! Couldn't recommend making the choice to put in the effort and take this course more!"
"Dow Janes helped me turn my financial dreams into a reality. I was able to move through the program at my own speed, and the gradual steps I took each week had a large impact not only in my confidence to make decisions, but was actually reflected in dollars in my bank account. Dow Jones is extremely dedicated to an equitable experience for all women, and adjusts their program to address feedback from their clients. I believe I will be one million dollars richer in the long run because of this journey."
"I decided to join the Million Dollar Year to deal with feelings of anxiety around money. I've enjoyed working through the curriculum, taking action to get my finances in order and sharing my progress with other women. I feel way more confident and in control of money, and feel positive about my future. I would definitely recommmend it!"
"I joined MDY to address my anxiety about money and to better understand how it works because we, as women, don't talk about money! And now I want to. :) This team is kind, encouraging, thoughtful, and sooooo smart and knowledgeable. They do an excellent job of walking with you every step of the way. I am learning so much and feeling more confident after each lesson or call. I especially appreciate that every step has action items and ways to engage in the community so there is positivity, built-in accountability, and you're not alone in this learning process! I highly recommend the program!!"
"I'm entering into more of an abundance mindset instead of scarcity."
"Feeling so much more grounded and in CONTROL of my finances! I saved $7,000 for an emergency fund and another $7,000 that I am looking to invest."
"I never have saved before nor had I tracked my spending. It was always about hope and prayer. This feels very grounding and calming."
"I used to avoid dealing with money and made decisions out of fear. I was the sole breadwinner but I was guessing at my budget and only looking at my money once a month to pay bills. Now, I have taken charge of my finances which enabled me to separate from my husband. I am holding together my household and I have a plan to get out of debt and save for my retirement, prioritizing me and my well-being."
"MDY is a life-saver! I gave MDY a try because I needed to invest in myself for once. By far, this is the BEST investment I've made in years. MDY is more than a financial program for women. MDY is a powerful, positive, enriching program for women by women. Try it for yourself!"
"MDY has changed my life tremendously. Actively tracking how much I spent and confronting my numbers really helped me get to a positive mindset, and I have an idea of what my next steps are to having a better financial life. The accountability forms and the community were huge in getting me to stay motivated, and it's a very positive environment. I never really figured out a budget, but tracking my expenses and cash flow made me realize how important that was. I was hesitant to join this program because of the cost, but I absolutely love it. I don't regret purchasing this at all!"
"What drew me to the Million Dollar Year was it's curriculum with a feminine focus--it really spoke to me. From the start, instead of a focus on the numbers, it had me first look at my relationship with money. It was really eye opening and inspirational. The step-by-step instruction had me looking at my finances in an organized and understandable way. It's never too late to be empowered by your finances. Now, I am excited and inspired about my financial future and I plan on making an an even greater contribution to the world."
"I highly recommend the Million Dollar Year to anyone ready to learn the necessary steps to getting your finances organized. It has been hard work, but it has allowed my husband and I to finally start the conversation of planning for our future. I still have work to do, but am excited to have this structure and community to support me in facing my financial goals. We can do IT!"
"Before, I avoided dealing with money and made excuses for myself out of shame and guilt that kept me paralyzed and out of control. Now, I feel as though I am actively building the skills needed to be successful with money and I no longer feel the shame that used to get in my way. "
"I joined the million dollar year to get a handle on my finances. I feel so much more relaxed, at ease, and empowered financially then when I started. I am so grateful for the Dow Janes! I highly recommend this program."
"I found myself hitting a wall with my mindset and money. My parents instilled in me to live life below my income so I didn’t have debt but they never taught me how retirement could be achieved. I love how this program was created to empower women to identify and achieve their financial goals."
"Before Dow Janes, my income was decent, but I had zero visibility over whether I was actually saving money or how much. I was way too overwhelmed by the prospect of budgeting, and honestly too scared to even look at what my fixed costs and spending habits were. I had tried apps like Mint, but never felt they were personalized enough to help me with my specific hang-ups. Thanks to Dow Janes, I was FINALLY able to take those steps. I've since quit my job and taken a dramatic pay cut to pursue my dream of starting a restaurant. And in spite of my reduced income, I have so much more confidence to know I can budget effectively and make it work -- and I'm doing what I love!! I'm so grateful to Dow Janes and the community of women it introduced me to!"
"I decided to join Million Dollar Year because I had entered my thirties and still didn't feel like I had any idea how to manage my finances.Million Dollar Year has taught me so many practical and manageable skills to care for my money! I have paid off my debt and am now chipping away steadily at my savings goals.I feel hopeful and excited about my financial future, where I have previously only felt overwhelmed and anxious. THANK YOU!"
"I was scrolling through Facebook last August and came across the free workshop. I was very drawn to the gorgeous energy and the healing I could feel from Britt and Laurie-Anne. Since I joined Dow Janes I have grown in so many ways.... Not just financially. When I first started with Dow Janes I was carrying $28,000.00 in revolving credit card debt, and was regularly using credit cards to pay regular expenses. In 6 months, I have paid off one credit card, and paid more than the minimum due on all other debt. My car is almost paid off. I talk regularly with my husband about money and I have zero usage on my credit cards. (Except Netflix) lol!!! I am a completely different woman than I was six months ago. I am more confident, I consistently pay my bills AND I have money at the end of the months. No matter what phase of life you are in .... I highly recommend Dow Janes. I also adore the accountability portion of this program!"
"As an artist with a fluctuating income, I was tired of stressing out about my finances, both in an immediate and long-term sense. I've gained so much clarity about how to handle my finances through the Million Dollar Year. Financial tracking and budgeting have helped me spend more wisely and save more money each month, I've now got a clear plan of action for paying off my remaining student debt, I've opened a Roth IRA, and have plans to open another investment account as well.The course has really demystified a lot of things that I used to find scary or intimidating. The most unexpected part for me has been the emotional work of breaking through limiting self-worth beliefs when it comes to money and shifting my mindset to one of abundance and possibility. It's obvious that Britt and Laurie-Anne have poured their hearts and expertise into this program, and are deeply invested in making the course and everyone's experience the very best it can be."
"I was completely lost and unable to get my financial situation sorted out. I knew I needed to make a change, and so glad I found MDY to help me find the way. In a few short months, I have gained so much clarity and have learned what I need to do to better my situation. I've already saved over $2000 and Paid off one of my credit card debts. I'm over the moon and so excited to move along on my journey and reach my financial goals. I am learning things I've never been taught and so glad to finally have the knowledge and something I can teach my daughters for their futures. Thank you, MDY!!! This program has changed my life and mine and my family's future."
"I joined MDY because I wanted to develop financial literacy so that I could dream amply and ambitiously, without having money be a limiting factor. MDY taught me the skills to develop both a savvy and authentic relationship to money that empowers me as I think about my goals and plans in life. Finances used to feel uncertain and overwhelming. MDY lifted a lot of those psychological veils for me, now when I deal with money I feel confident, grounded, and excited."
"I joined the Million Dollar Year when it first launched, in January 2020. I joined because I was worn out from living paycheck-to-paycheck as a solo mom and because I felt safe with the founders of MDY in a way that I had never with other financial intelligence building programs I had seen before. My goodness was it good timing! With the pandemic hitting in mid-March of that year, I was able to button down my finances in a way that allowed me to weather the uncertainty and the storm of the pandemic that continues to push me to every edge possible as a yoga instructor with my son still at-home-learning for almost an entire school year. I paid off ~$7,000 in Credit Card debt within the first year of the program, doubled my rent and have been able to confidently engage with my partner, employers and even friends about my finances in a way that has created a seismic change in how I show up in the world. Once I fully claimed that financial security amplifies my voice as a community organizer and solid mother, I never felt ashamed about wanting to secure a financially thriving future for myself again. What a game changer this program has been. Take the leap and really show up to this curriculum, and you absolutely will not regret it."
"I decided to take the MDY course after I had physically and mentally recovered from a pretty bad financial investment that I made previously. My financial education was very poor at the time and I left the decision making to others. After this course, I now have financial clarity and know what to do with my savings and most of all know how to educate myself further financially and take my financial situation into my own hands.I now feel in control and share my knowledge with others."
"I decided to join the MDY because I needed to learn how to build a financial foundation. Within this program I learned how to create a budget and actually keep track of my income and expenses which was completely new to me. Prior to the program I had dreamed of learning how to do this because it is important to track financial growth and areas of improvement since I want to secure a healthy financial foundation. Thank MDY for helping me build a healthy financial foundation."
"I want to be better with my money. I want to be wealthy and create financial freedom. I want to learn about finances in ways we are not taught, especially as women. My experience with this program has been great so far! It has made me more mindful of my money and I save nearly $7k in about 6 months. The coaches are great at checking in and helping keep you accountable to focusing on your finances every week. They are extremely helpful and hands on. Customer service is fantastic! I feel much gratitude for having found the Dow Janes."
"My biggest WIN has been letting go of the shame I felt about not being more proactive about my finances in the past. I've truly come to understand how my past experiences have defined my current relationship to money, and am no longer at a loss for what I need to do to change this. "
"I was lost on how to best save and invest my money. Now, I have $1,000 set aside to save and plan to automate $500 a month from there!"
"I talk about Dow Janes and this program obsessively. My friends and family know you by name! Once in a while I make a decision that deeply changes my life. This program has certainly been one of them. I’m so grateful to be part of this community."
DISCLAIMER: This content is provided for educational purposes only. Dow Janes does not provide individual investment advice. You are solely responsible for the financial decisions you make. Dow Janes makes no guarantees of results or investment income.