scamrisk logo

Dow Janes Review (Updated 2024): Is The Million Dollar Year Worth It?

By: JosiahSep 27, 2023Stocks and Trading
Dow Janes Review (Updated [year]): Is The Million Dollar Year Worth It?

Dow Janes is a program created Laurie Ann and Britt to help women women gain financial control. This program gives a take on the financial industry that has yet to be seen. It targets women and aims to make the education and results entertaining, feminine, and empowering.

In an industry often dominated by men, Laurie and Britt aim to help women learn how to pay off debt, save for retirement, and spend less than you make.

But is their program legit? What's inside the Dow Janes course? And how much does it cost?

Scroll down for my full review.


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

  • Great brand
  • Excellent positioning
  • Well experienced coaches
  • They don't offer a refund
  • No personal interaction with Britt & Laurie Ann
  • More of a habit forming course rather than solution providing program

Why Listen To Us

My name is Josiah, and this is my Dad, Joel.why listen us

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

why listen us gif

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online

  2. Straightforward-ness of the system to do it

  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!

You probably discovered this Dow Janes review for the same reason you might have come across any other financial newsletter, trading service, or investment program:

Because you want more money in less time.

And chances are, you want to quickly multiply the money you do have (as opposed to waiting months or even years to see a decent ROI).

This is a really exciting promise, and it’s probably why the financial publishing and training industry is worth billions of dollars.

The problem is, because the idea of doubling, tripling, or 10X-ing your money in a few minutes to a few days is so enticing, there are a ton of shady characters in this space.

But, putting that aside, let’s say every investing guru and “trading expert” on the internet had the best of intentions.

Even with proprietary algorithms, a room full of supercomputers, and a team of rocket scientists, most of these experts would be lucky to get it right 20% of the time.

Now sure, we’re talking about asymmetric bets here, so theoretically the winners should more than make up for the losers.

But in order to make that happen, you can NEVER miss a trade. With a 20% success rate (speaking optimistically), one missed winner could turn a profitable month into a loser.

That’s a lot of pressure and a lot of stress (not to mention a lot of losing) with not much certainty.

But what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Constantly monitoring your phone for buy/sell alerts
  • Obsessively watching charts and movement
  • The emotional roller coaster and angst of hoping one winner can cover the last 8 losses
  • Gambler’s odds (20% chance of success is worse than the odds of winning at Blackjack)

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day monitoring charts, trades, and alerts?

TESTIMONIAL - Still Getting Paid

If that sounds like something you’d be interested in, check out Digital Leasing.

However, if you’d still like to know more about Dow Janes in this Million Dollar Year review, keep reading.

Million Dollar Year Reviews: What Is It?

What Is Million Dollar Year

The goal of the Million Dollar Year is to develop the mindset, habits, and behaviors necessary to change your personal finances in the next 12 months and be setup for a better financial future. They believe they can help you do this as a transformational coaching program.

To be clear, this isn’t a “get rich quick” scheme. It’s more of a “get rich slowly” thing. They prioritize consistent, measurable development that leads to long-term, significant benefits.

You will have developed a solid financial foundation that will serve you for the rest of your life by the end of your time with Million Dollar Year and their personal financial guidance.

They’re not going to teach you how to make a million dollars this year (though they won’t stop you if you want to); instead, the year you spend with them will be a defining moment in your financial life and education.

And, if you implement all they tell you, you should be able to accumulate a net worth of 1 Million sometime down the road.

Who Are The Founders Of Dow Janes?

How Much Does The Million Dollar Year Cost

As a launch member, you will be coached by the founders, Britt and Laurie-Anne. Britt is a Harvard Business School graduate with a strong interest in personal finance and having zero debt. The two came together and have a program called Million Dollar Year.

Laurie-Anne is an energy healer and coach who enjoys generating passive income and assisting people in changing their life.

Dow Janes‘ Laurie-Anne King and Britt William Baker, along with their staff, run a financial education business that encourages women+ to take control of their finances.

They believe that women with their own money story have more options and a stronger voice, and they’re on a mission to help in attaining financial confidence of women all over the world.

Laurie-Anne is a financial counselor and serial entrepreneur with two seven-figure businesses. As a self-made businesswoman, Laurie-Anne understands what it takes to ensure that anyone may achieve financial success.

Britt is a seasoned investor as well as a money mindset coach. She is on a mission to help individuals who have historically been excluded from the financial world.

Members of the Million Dollar Year will have access to Craig Wallace, their resident Investment Advisor with a master’s degree in Financial Planning, whenever they have complex financial situations or need extensive investment guidance.

Coach Kat, one of Million Dollar Year alumni who paid off over $62K in debt in less than a year, will provide assistance to members of the Online Community.

What’s Inside The Million Dollar Year

What’s Inside The Million Dollar Year

The Million Dollar Year is an all-in-one financial education company. It consists of the following:

  • Weekly Q&A Calls with a Financial Coach
  • Weekly Text Message Accountability
  • Access to the 12-Step Signature Curriculum
  • Videos, Workbooks, Spreadsheets, and Templates that have been pre-recorded
  • Members’ Online Community

You will also get the following bonuses:

  • Access to the Financial Training Vault
  • Access to live Millionaire Mindset Workshops

I think all that stuff is really solid. And I think it's great that women who are interested in finance have a platform like this that is purpose built for them.

Coaches inside the Million Dollar Year teach you how to set up an emergency fund, successful spending habits, investing strategies, ways to pay off debt, and how to save for retirement.

At the end of their coaching they want you to be able to say "I have all my expenses accounted for".

Dow Janes Reviews: What Does The Internet Have To Say?

What Does The Internet Have To Say

I decided to dig around other internet forums to see what the people had to say, here's what I found:

"I skimmed over their website and it looks like they don't offer any information you can't get for free at places like this sub or the Bogleheads forum/wiki. I think it is very unlikely that what you would get would come anywhere close to justifying the prices they are charging."

The link to the thread can be found here.

Here's more Million Dollar Year reviews...

"Yikes! How to be financially prepared for divorce.!!! I'm a female and I think they are being patronizing by making it seem like someone's financial education needs to be geared the towards women. Money doesn't have a gender . Then when you see the cost, it appears not to be out of the kindness of their hearts. All the brokerage websites, have real good educational info. Free. The library has books, just don't look at the get rich quick or smarmy slick sales guy books. As someone else said , this reddit."

And finally...

"I had my doubts about whether this was a legitimate business or a MLM scam, so rather than paying for the enitre year upfront, I signed-up for the montly subscription as a trial. It quickly became obvious this business is not meeting the expectations or hopes I had. I wanted to cancel my subscritption but found nothing on their site nor in their communications about how to do so. I have sent several emails to their hello@ company email, with no reponse. I tried calling the number on this BBB site and got some weird answer service where you're listening to pre-recorded people having an unrelated conversation and can't leave a message or talk to anyone. In fact it seems impossible to contact Dow Janes in any form. I even tried the links on the BBB site for this business and it said "undeliverable at this time". Unfortunately I have no other option at this point but to file with the BBB and to notify my bank to cancel any future payments."

The link to this complaint can be found here.

Unfortunately the reviews from this program don't seem to good from the consumers...

Is Dow Janes A Scam?

Scam or Legit

So, is Dow Janes a scam? Not technically. You can make money with it, but it’s definitely not as easy as the Dow Janes makes it sound.

Again, with any kind of financial product (especially investing), you’re taking on a lot of risk.

Sure, you could hit it big and retire in Italy, but chances are you need the stomach and financial cushion to weather tons of losses before you get there...and it may never happen.

Most of the big gains numbers these companies use in their marketing (“xyz grew by 4,112% in 3 months” or “this option made 324% in just 2 days”) are cherry-picked.

They don’t tell you about the 10 100% losers that came before.

In other words, if you invested $100 into 11 recommendations, you’d lose $1,000, and make back $ you’d still be out almost $700.

Most people don’t have the fortitude to stick it out through 3 straight months of losers in the hopes of landing one big winner.

What if, instead, you took those same 3 months, invested just a couple hours a day (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Leasing.

It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece

TESTIMONIAL - Saying Goodbye To Our Jobs

They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Leasing.

How Much Does Dow Janes Million Dollar Year Cost?

How Much Does Dow Janes Million Dollar Year Cost

It’s a $3,998 one-time charge or 12 monthly installments of $398. A “double your investment money return guarantee” protects you.

If you can show that you did the job and did not save at least twice what you paid for the program after one year, you can claim a refund. Which I believe is fair but not ideal for you.

What if your car breaks down three weeks after you join, and you need the two grand to get it fixed? What if the process felt daunting and not for you? It’s inconvenient to have to wait a whole year and complete a slew of “course homework” to get your money back.

Does Dow Janes Offer A Refund Policy?

Does Dow Janes Offer A Refund Policy

For all other digital products they do not provide refunds. According to their website, they don’t offer returns because they are a digital product, and you cannot return it once you have access to the information.

On the other hand, the Million Dollar Year comes with a satisfaction guarantee of 100% twice your investment. As I mentioned earlier, If you haven’t saved at least twice as much as you paid for your Million Dollar Year after a year, they will refund your money.

The coaches believe that the abilities you get via this program will change your life for the better for the rest of your life since they look at money holistically. They also hope you put forth your best effort.

That’s why, to qualify for the “double your investment back satisfaction guarantee,” they need to know that you completed the coursework.

If you complete the entire course & do not believe they have fulfilled their commitment, you can submit your work w/in 14 days of your graduation date, and they will quickly return your fee.

Are There Alternatives To Dow Janes?


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:

What Is My Top Recommendation For Making Money In 2024?

Digital Leasing

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Leasing is for you.


1. It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2. You Own & Control EVERYTHING: With anything in the financial markets, you own and control NOTHING. You have no say in price fluctuations, demand, or what the market will do.

Trying to beat the market is fighting against the tide. There’s just too much working against you, no matter how many supercomputers or rocket scientists are on your side.

With Digital Leasing, you own the assets, which means you have all the power and all the control.

TESTIMONIAL - Feeling Blessed

3. Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront.

Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket...even before you do any work.

TESTIMONIAL - Scott Lead Gen

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.

TESTIMONIAL - Lance Lead Gen

4. Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with any kind of trading or investing, you’d have to double your initial capital OR double the average order size of your existing trades. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


5. Make Money Helping Real People: This part is what makes it all worth it. In the financial markets, you might be helping your family, but the impact never goes beyond you and maybe a few others.

But with Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either...a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at Dow Janes reviews, and it could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

0 Responses
Leave A Reply
Your email address will not be published. Required fields are marked *
Comment *
Name *
Email *
Save my name and email in this browser for the next time I comment.

All site content, links and resources are presented solely for informational purposes only and should not be considered as medical, legal, financial or tax advice. is free to use because we may earn a commission when you use a service listed on our site, however our editorial treatment of reviews, ratings and listings is equally impartial whether a link is paid or unpaid. Opinions expressed in reviews, commentary and articles are those of the author and are not necessarily shared by Scam Risk. Screenshots, logos, company names & styles are IP, copyright and trademarks of their respective owners, used on this site for their promotion or editorial illustration.

Continued use of is contingent on acceptance of Scam Risk's legal policies

scamrisk footer logo