Copyright © 2022 DowJanes

I joined because it was time to rewrite the story of scarcity and victimhood that I had carried with me since childhood about money. I was ready to be an example for my 9-year-old son.

I am blown away. I've gone from $8,000 in credit card debt to now having $0 in credit card debt! I have savings for the first time in my life.

Veronica, Yoga Instructor

A step-by-step system to manage your money AND grow your wealth with complete clarity and confidence…


Million Dollar Year Limited Case Study Spots Available

When women+ have more opportunities, they have more power. 

And while we have more financial opportunities than ever before... 

We’re still playing a big game of catch-up when it comes to equality.

Right now, in 2021:

→  Women are 5 times more likely than men to live paycheck to paycheck...

→  Nearly 70% of Millennial women don’t save money because they’re only earning enough to get by...

→  While 60% of Gen X women have less than $1,000 in savings...

→  On top of that, women graduate with more student debt than men and are paid less on average...

→  Leaving us to invest later and less often in life, and making it 80% more likely that we’ll be in poverty when we retire....

→ Women+, on average, earn 20% less than men for doing the same job...

→ And on top of all of that, women+ of color face generations of oppressive systems specifically put in place to keep them at a financial disadvantage

BUT, when women+ have wealth... good things happen:

→ We have more power & influence over political systems in desperate need of change...

→ We create generational wealth for our children and our children’s children…

→ We give back MORE to their communities than their male counterparts...

→ We support environmentally sustainable companies and practices...

→ We invest in companies that support diversity, equity, and inclusion, environmental protection, and positive social change...

→ We have the opportunity to shape our future and the world we collectively live in...

Like that time you accidentally opened that little square app that holds your credit card statement (when you actually meant to open up your feel-good Spotify playlist)…

Only to see that you’ve blindly spent $600 last month on Amazon impulses you’d already forgotten about. (Where did I put that Instant Pot?)   

You’d probably see the same thing the month before that, and the month before that. (Probably...but you’ll never know because you prefer the ostrich approach when it comes to those numbers.)

And even though this is business as usual for you, you can’t help but feel that sinking feeling in your gut, like you’re doing something wrong…

It doesn’t make sense…

You followed “the plan” (you know, the one your parents pushed since you were a little kid). 

You spent years sitting in lecture halls–you earned that expensive piece of paper you have in a frame. 

You pay all your bills on time (Well, autopay does. You prefer the “set it & forget it” approach when it comes to expenses).

And even though you’ve done everything “right...” 

taking care of your money still feels so damn confusing & scary

College-aged-you assumed adults just automatically got their finances together one day. 

So you thought by now you’d be planning that 2-week Hawaiian getaway, and making the oooh so hard decision between classic subway tile or marble penny tile for your dream bathroom. 

But instead…

Here you are, avoiding the Capital One app on your phone because for some reason, NOT knowing feels safer than knowing.

And honestly, it’s a little embarrassing.

Obviously you missed something because all of your friends already have this money stuff figured out. (Or at least it seems that way, but you never talk about it with them. So there’s no way to really know.)

And even with a steady job, there’s still never any extra money at the end of the month to put into your savings account. Or even better, your investment accounts.

And retirement??...That’s so far from your mind that it feels like someone else’s problem. 

With the amount of care & planning you’ve put into building your life so far, you deserve to live in a place of financial freedom.

And here you are, over a decade into your professional life with nothing to show for it, still as overwhelmed by your personal finances as you’ve ever been…

As an intelligent woman+ with a stable job, you DESERVE to... off your debts (gooooodbye auto loans & Sallie Mae)

...have enough money to cover any unexpected expense that comes up with the simple swipe of a debit card (like finding out you need brand-new tires last month)

...invest in the stock market, and add to your portfolio on a regular basis (That’s what people do. Right??)

...know exactly how much money you can save in a year (how much do “normal” people save? $500...$5,000…$50,000?? 🤷)

...confidently manage your own finances each month (or at least know the difference between an HSA and a IRA) 

...actively work towards those big “grown-up” goals (will you ever be able to buy a house??)

6 Intimidating Myths Most Women+ Believe About Their Money

#1 Money management is complicated, confusing, & stressful.

It’s easy to build up scary narratives about things we don’t understand. 

The truth is, there are just a few simple systems for budgeting, spending, saving, and investing. All you have to do is learn them.

Once you understand those systems, taking care of your money becomes as routine as brushing your teeth (only a lot more fun!).

(We firmly believe that taking care of your money should be fun and enjoyable! We structure these “habits” in a way that gets you excited to sit down and look at your week. Almost like a day at the spa...only way more profitable.)

#2 Good people don’t want to be rich.

Most of us have grown up with some pretty negative associations with money…

“Money is the root of all evil...”

“He was filthy rich...”

Wolf of Wall Street, anyone?...

Not to mention countless stories of men in power doing unethical & harmful things with their money...Jeffrey Epstein, the Koch brothers, Bernie Madoff, Martin Shkreli, Donald Trump...

How is anyone supposed to think that wealth is a good thing when you’re surrounded with those messages?

The truth is, money gives you opportunities to shape the world you want to live in and create a better future for yourself and your children. 

You will still be an empathetic, compassionate, and generous person with or without money. 

But it’s a whole lot easier to create the kind of world you want to live in when you have money.

#3 My partner takes care of our family’s finances, so I don’t need to be financially literate.

My partner takes care of our family’s finances, so I don’t need to be financially literate.

Oooooh, do I understand that. Laurie Anne here 👋, and yeah...that’s what I thought too. 

I grew up in a family with very little in the way of financial resources or literacy. 

So when I married into a financially savvy family, I had it maaaade. I trusted my husband I thought I was off the hook when it came to our money. (Spoiler: I was wrong.)

I had big goals for myself & the businesses I run. And I had big dreams for our family’s future (hellooooo investment property)...but without a baseline understanding of how to budget, save, spend, and invest...I was pretty powerless when it came to making those dreams happen.

And because we weren’t on the same page (because I wasn’t even reading the book), our conversations about money were less than healthy or productive. 

But, once we BOTH had the knowledge and the tools to make informed decisions with our money, we were able to do big things as individuals—and as a family. (Like building my dream house, growing a 7-figure business, and owning our first rental property!)  

#4 Talking about money (and gasp, salaries!) is rude and improper 

It sure feels that way since most conversations about money are uncomfortably whispered behind closed doors.

The funny thing is, most men freely talk about money all the time. 

Men grow up learning how to “take care of their family.”

It’s no secret that the majority of people sitting around the boardroom are still men...and they’re alllll talking about money.

When women+ don’t talk about their money, they have no perspective. So they’re left feeling alone and ashamed about their financial situation.

You talk with your best friends about all sorts of personal things, right? 

You tell them about the totally cringeworthy things your toddler says, about the kinda-sorta crush you have on the butcher at Whole Foods, and about the time you left the gym early because a burrito before a workout was a spectacularly bad idea... 

➡️  But you don’t talk about how much money you make. Or, better yet, how much money you want to make. 

➡️  You don’t talk about credit card interest rates when you’re not sure if yours are too high. 

➡️  You don’t talk about how to increase your credit score so you can buy a rental property one day. 

What you need is a safe community to show up in, share your struggles, ask your questions, and celebrate your wins. Together.

The more we normalize conversations around money, the more freedom women+ have to make powerful decisions with their money.

#5 You have to be a numbers person. Sure, I can add and subtract numbers, but interest rates, loans, the stock market??? I left my TI-83 calculator back in high school, thank you very much.

Well...yes and no. 

Yes, there are a lot of numbers when it comes to managing your money (which is why we’ve created plug n’ play calculators for you). 

But no, it’s not just about numbers.

All of us bring emotions, past experiences, habits, and values into our relationship with money. 

When you do the work you need to uncover the associations that aren’t serving you, you free yourself up from the fear & anxiety of money management.

Then, all of a sudden the “numbers” don’t seem so scary anymore. Because they no longer hold meaning about you as a person, they’re simply numbers. And numbers don’t have emotions.

And when it’s just math, the only thing you need to become a “numbers” person are the spreadsheets & calculators we have, just waiting for you to download.

#6 You have to be rich before you start investing.

No. Nope. And nuh-uh. 

We don’t encourage you to start investing until you’ve paid off your high-interest-rate debt, BUT we have helped women+ of all income levels, economic statuses, and circumstances save, invest, and GROW wealth. Right where they are.

If you make money, you can save & grow your money, safely & securely.

Getting control of your money means getting control of your life


Chances are, if you’ve made it this far, you’re all in on the idea of taking control of your finances to create the life you want.

But you may not know that “manage my money” isn’t just one single overwhelming line item on your to-do list. 

This kind of dream house, vacations in Tuscany, zero CC debt, money growing on auto-pilot financial freedom comes from a proven 3-step path.

First you have to lay a new financial foundation…

Then you create new money management systems & practices 

Then you can grow your wealth

And when you do that, you now have the ability to save yourself from...

→ Losing thousands of dollars to credit card companies, unnecessary expenses, and overspending

→ Wasting hundreds of confusing, frustrating hours as you do the mental gymnastics of trying to punch numbers into a free app

→ Missing out on dozens and dozens of opportunities to exponentially grow your money

With just a few simple systems & tools, you have everything you need to save hundreds of dollars to build millions (even if you don’t have a 6-figure salary).

Sound too good to be true?

Saving $600 per month at a 1% return over 35 years = $23,722

Saving only $400 per month using the Aligned Money Method over 35 years = $1,053,581


We love working together! We’re best friends, and it’s our life’s work to build a safe, nonjudgmental community where women+ can freely learn about, talk about, and get control over their money. 

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 workand I'm doing what I love!! I'm so grateful to Dow Janes and the community of women+ it introduced me to! 


I have been a part of the Million Dollar Year for six months now, and it has had a huge impact on my life. It has totally changed my habits and my outlook on money. It has removed this stress and anxiety. As an independent woman, I can care for myself, no matter what happens. It is so freeing.

LaurenLuxury Trip Designer 

"What drew me to the Million Dollar Year was its 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 even greater contribution to the world." 

Maureen, Data Manager

Women+ with money have more choices louder voices

By joining, you'll also learn about...

Develop the skills & habits to spend thoughtfully, save systematically, & invest confidently.

A year-long real-time implementation & coaching program to give you the skills & tools you need to rewrite your financial future


You'll have access to dedicated financial and investment coaches in the community to make sure no question goes unanswered and no step feels uncertain.

You'll also have access to LIVE weekly group calls with a Financial Coach to get real-time coaching, feedback, and answers to your tricky financial questions.


We’re all about spelling out the simple action steps you need to take in order to move towards financial freedom. But the reality is, the number one thing that determines your success in this program is YOU.

That’s why we focus on healing your money story, reframing your financial narrative, and helping you become the person you want to be in the world.


A safe, non-judgmental community of like-minded women+ on the same journey as you. You’ll have an open forum to confidentially share your struggles, ask your questions, and most importantly, celebrate your wins.

You’ll have an opportunity to find an accountability buddy so you’ll never again wonder if you’re in this alone.

Inside the Million Dollar Year you have access to financial coaches for real-time support, action steps, advice, and accountability.

Each week, for the entire year, we (Laurie Anne & Britt) host LIVE Group Coaching Calls so you can ask your specific questions, work through your roadblocks, & learn from your fellow students.

Gentle and nonjudgmental accountability is infused into every step of this process. We understand that everyone's journey is different and everyone has unique challenges & achievements. 

No matter where you are in your journey, you’ll have financial coaches to cheer you on as you move towards your goals.

Meet Your Coaches

This comprehensive & holistic curriculum is designed to help you reinvent your financial future through 3 simple, actionable phases.

Phase 1: Build a New Financial Foundation

In this first phase, we’ll coach you through the simple & fun (we promise!) process of building your new financial foundation—even if you're a total beginner.


→  Lay the groundwork for a brand new financial system that’ll completely transform your financial habits, your confidence with money, and your financial literacy skills. 

→ Get crystal clear on your financial reality 

→ Heal your relationship with money 

→ And take the first step toward good habits by creating a weekly money ritual that you actually look forward to. 

It’s like taking a bubble bath...but for your money

This will allow you to start looking at your numbers with clarity & confidence. 

By the time you’re finished with Phase 1, you’ll have created your sustainable healthy money habits, tracked your monthly spending so you know exactly where your money is going, & taken a current financial snapshot, so you can start building the road towards a new financial future.

You’ll get:

  • Expense Audit Cheat Sheet so you can get a bird’s-eye-view of your bills and expenses. 

  • Spend Less than You Make Formula so you can calculate what you’re bringing in and what you’re spending.

  • Pay Off High-Interest Debt Plan to finally make a plan to pay off your high-interest debt.

  • Save to Invest Method to calculate exactly how much you should save to put toward future investments. 

  • Pay-Yourself-First System to make saving easy and automatic. 

  • Budgeting & Savings Finder Spreadsheet to make crunching monthly numbers and setting up a budget easier than ever.  

  • Living in Alignment with Your Values Workbook so you can achieve clarity on how to use money in alignment with your personal core values.

Phase 2: Money Management Systems

Now that you’ve done the courageous work of healing your relationship to money, actually dealing with the numbers feels easy!

And this means, setting up new money systems so you can reach your goals…on autopilot. 

In this next stage, you’ll:

→ Get clear on your short & long-term financial goals and exactly how to achieve them 

→ Start paying yourself first with new automated savings systems (the fail-proof way to grow your savings!)

→ Implement a simple, goals-based monthly budget that keeps you on track to reach your goals (without giving up your favorite splurges)

Once your new savings & budgeting systems are up and running, you’ll be able to make empowered decisions to spend your money more intentionally. 

Because money is powerful, if you use it wisely 

By the time you’re done with this phase, you’ll get clear on your financial goals, set up the systems you need to make them happen, and make small but mighty changes to your spending habits so you’re enjoying life in a way that’s aligned with your core values.

You’ll get:

  • Money Ritual Workbook so you can create an enjoyable money habit

  • Weekly Money Ritual Checklist to set yourself up for consistent success

  • Uncovering Your Money Past Workbook to start the process of healing your money story

  • Personal Cash Flow Tracker so you can easily track every dollar coming in and going out

  • Financial Snapshot Worksheet so you can get an accurate picture of exactly where you are today

And more!

Phase 3: Your Future & Building Wealth

You, my friend, are well on your way to a new financial future. Because you’ve already built a new financial foundation and set up the money management systems that are absolutely essential to taking control of your finances. 

In Phase 3, you’ll:

→  Create a clear & actionable financial plan to build your emergency fund, plan for retirement and start investing

→ Learn how credit scores are calculated and how to improve yours now

→ Develop the mindset of an investor and learn to invest your money so it can grow passively. 

The cherry on top? We’ll teach you how to create a philanthropic plan to give back to your community or support a cause you believe in. 

Break out the champagne glasses and the confetti balloons; that’s something to celebrate.

In Phase 3, you’ll get:

  • Save an Emergency Fund Action Plan so you can build an emergency fund and be prepared for unexpected emergencies or expenses. 

  • Understanding Debt & Credit to get clear on how some kinds of debt are better than others (and to find out what kind of debt yours is!)

  • Healthy Credit Score Checklist so you understand how to increase your credit score

  • Plan for Retirement Workbook & Calculator to set yourself up for your ideal retirement life right now

  • Create Your Investment Plan so you have a concrete plan to invest your money and start building wealth

  • Create Your Philanthropic Plan so you can create a plan to give back to your community, a movement that you believe in, or a cause that inspires you


Action-based, step-by-step trainings & resources you need to confidently create the systems & habits that let you budget, save, invest, & grow your money.

Our signature curriculum is a one-stop-shop for everything you need to know about your money. You’ll never have to google “how to make a budget” again.

I purchased my first home!

McKynlee, Recruiter

I paid off $8,000 of high interest credit card debt in just 2 months!

Veronica, Yoga Instructor

I invested for the first time and earned 10% totally passively.

Ella, Self Employed

This has allowed my husband and I to finally plan for our future!

Lela, Artist

This is the BEST investment I've made in years.

Averie, Public Health

I feel brave and confident making decisions about money.

Cate, Library Administrator

I raised my credit score from 500 to 741!

Maryann, Homemaker

I am officially past the halfway mark to my first $1M!

Angela, Self-Employed

After 3 months, I am completely debt free!

Rachel, Lawyer

Yet, we still find ourselves...

 Spending unconsciously.

Avoiding our numbers. 

Missing out on growth potential. 

Leaving us feeling limited & trapped. 


Here's what some of our clients have to say...

I AM IN!Build A New Foundation

Hi! I’m Britt! 

I’m a Harvard Business School graduate, expert investor, and money mindset & investment coach. 

It’s my mission to make saving fun (seriously!) and getting out of debt possible for women+ of all backgrounds and life experiences. 

I believe in keeping personal finance simple through easy to understand steps that make it possible for anyone to achieve their financial dreams.

My story’s a bit of a...nerdy one. My dad taught me about compound interest when I was 8 (not your typical family dinner conversations) and my grandpa taught me to start investing in the stock market when I was a freshman in college. 

Here’s how you’ll set up your brand-new money management systems
Here’s how you’ll plan for your future and start building wealth

You can be one of the success stories...

Coach Laurie-Anne  

Financial Empowerment Coach

There’s nothing I love more than helping women+ heal their relationship with money. Tackling your finances head on is holistic work and I’m here to guide you through every step on your journey.

Coach Stephanie  

Accountability Coach

I paid off $115,000 of debt in 3.5 years and am passionate about helping our members do the same. As a Master Financial Coach, I love helping our members achieve financial stability for good.

“The Million Dollar Year is not the "fad diet" of financial wellbeing, with short term gains for strict sacrifice. Instead, it is a program that will teach you how to make real, sustainable improvements in the way you view and interact with money. In the Million Dollar Year, I have found a community of supportive women from diverse professional and personal backgrounds, and I feel I have the support and accountability I need to make progress on my own short and long term financial goals."

Juliette, Baker

“I've been able to raise my income from around $1000 a month to now $4000 a month. And I've been able to pay down my debt. I've also raised my credit score from probably 500 to the time last I checked, it was 741 which is amazing to me! And then I also have actually been able to save money – which feels so good!”

Maryanne, Caretaker

“I've been in the Million Dollar Year for about a month, and it's completely changed my life! The support is amazing. The down and dirty rubber meets the road practicality of it is absolutely what I needed. I recommend it 100%. I've been telling every woman about it because every woman needs to be taught these things.”

Jenn, Tech Ops Analyst

Learn More

Good financial decisions now, could 


We don’t believe in white knuckling your way to your own success.

Coach Craig

Registered Financial Advisor

As a registered Investment Advisor, and Laurie-Anne’s husband, I help our members grow their wealth through safe & secure investment opportunities and portfolio design.

Coach Britt 

Investment Coach

My dad taught me to invest when I was 8 years old. And ever since then, I’ve been on a mission to help women+ come up with simple strategies to save and grow their money with ease.

Join the Free Class to Learn More Today!

The number one thing you need in place to become a successful investor
Exactly what I did to go from $40,000 in debt to collecting money from my investments every month (and how to do the same)
How to do things in the right order so that you minimize and eliminate risk
In this video, you'll learn...


Think Like An Investor
Limited Time Replay: 
You've got the free training... now it's time to REALLY SPEED things up!
Think Like 
An Investor
How I went from $40,000 in 
debt to collecting money from 
my investments every month
Join us to learn the secrets to investing money that the wealthy don't want you to know about in this free MasterClass!

In this workshop, Dow Janes Co-Founders Britt Williams Baker and Laurie-Anne King bring you to totally different perspectives to empower your financial journey.

Britt is a Harvard Business School graduate who began investing at the age of 8. Laurie-Anne used savvy saving and investing to go from being $40,000 in debt to living her dreams and collecting money from investments every month.

Meet your hosts!

Together, they've come up with a repeatable, step-by-step strategy called the Aligned Money Method that has helped thousands of women+ achieve their financial goals.

We know this can work for you, too!

Learn MoreLearn MoreLearn MoreLearn More

I had not only saved up an emergency fund, but I invested for the first time in my life.

Michelle M. - Writer

By learning how to track my finances, I now have total financial clarity and peace of mind.

Danielle P. - Entrepreneur

In our "Think Like an Investor" Masterclass, you'll learn:

* The step-by-step process of how to take control of your income and begin creating sustainable, passive wealth today

* How to change your relationship to money, wealth, debt so you create from a place of abundance instead of fear and lack

* Strategies to build wealth and manage your money that are compatible with who you are—your energy, your habits, your goals

* Get out of the mindset of "just having to make more" and see the opportunities available with what you have now

* Hear inspiring stories from thousands of women+ who overcame their financial issues and now enjoy secure, abundant, healthy wealth!

Join the Free Masterclass
There is a world where you can experience a Supported, Exhilarating Financial Life.
Learn More