Britt Williams Baker’s Dow Janes Review: What Is the Million Dollar Year Investment Strategy?

March 16, 2024

Dow Janes is a financial education platform that markets primarily to women who want to grow their money through various investment strategies through their Million Dollar Year coaching program. Million Dollar Year is the financial coaching program that teaches you a step-by-step system on how to manage and grow your money in various investments. The Dow Janes are two friends and fellow masters of business administration degree holders, Laurie Anne King and Britt Williams Baker.

Reviews for Dow Janes are mixed with a 3.83/5 rating on BBB. Positive reviews praise the course organization and materials and the supportive and energetic culture. Negative reviews mostly point out the constant sales pitch during the webinar and Zoom coaching calls.

Investing in stocks can be a high-risk investment that requires a lot of capital. The higher the risk and the larger the investment, the higher the potential profits. Stock investing is a long-term strategy that can take years before you can sell at a high enough profit. In this Dow Janes review, you will find out if the platform can teach you the way to success. We will cover the Dow Janes investment strategies, who the program is for, what you get with the program, if the students are successful, who the founders are, and if it’s worth investing in.

What Is the Million Dollar Year Investment Strategy?

The Million Dollar Year Investment Strategy is the Dow Janes strategy of investing during a recession. First step to investing in a recession is to see the recession as an opportunity instead of a barrier to investment. The market will always go up and down, and recessions are an inevitable stage of the economic cycle. Historically, given time, the market will eventually recover and fix itself. This creates great opportunities for investors as stock market prices plummet during a recession. A diverse investment portfolio is recommended as multiple income stream ensure a financial future.

Dow Janes Recommendation to Investing in a Recession

  • DCA (dollar cost average) stock investing - Divide your investment into 4 and invest it every month for the next 4 months. For example, if you plan to invest $1,000 and the market is fluctuating, invest $250 monthly for the next 4 months, regardless of the state of the market. This will help you avoid analysis paralysis and can prove very profitable long-term if prices drop within the next 4 months.
  • Real estate investing - Real estate investing will always be profitable, regardless of the market. If you have low capital, you can invest in REITs (real estate investment trusts), which are companies that manage their own property portfolios and which you can buy into for the cost of a share rather than a down payment.
  • Invest in I bonds - I bonds are a type of US savings bond designed to guard against inflation and preserve the value of your money. You receive interest that is both fixed and subject to inflation. Your money is protected from inflation by increasing the combined rate as inflation rises.
  • Invest in CDs - A certificate of deposit (CD) is a low-risk investment that is FDIC insured up to $250,000. Faster rate compared to a savings account with at least a 2% return. The investment is time-locked, so make sure you have emergency funds set aside before investing in CDs.

The Million Dollar Year teaches about ETF stock investment. It has since expanded to teach how to invest in NFT, government bonds, real estate, and more.

Britt Williams Baker’s Dow Janes Review: Pros and Cons


The founders are both successful in both their previous careers and in investing in the stock market.

They teach not only investing in the stock market but also various investment strategies.

Expert coaches are available for each investment strategy.


You do not have lifetime access to the course materials.

Investing requires you to have available capital or a substantial cash flow.

Many upsells.


Dow Janes’ Million Dollar Year Program costs $3998 for full payment, or $398 per month for 12 months. There are several upsells available.

Refund Policy

10-day refund policy.




Mixed reviews

Who Is Britt Williams Baker’s Dow Janes For?

Dow Janes is primarily for women who want to learn how to invest in different strategies. This is suited for both beginners and intermediate investors.

  1. Women who want to learn step-by-step how to manage their savings with financial planning and how to invest in ETFs, real estate, government bonds, cryptocurrency, and other investment strategies.
  2. Current stock investors who want to learn better methods of investing and about investing in other strategies.

If you want to invest your money in index funds, Index Fund Pro is for you. 

What Do You Get With Britt Williams Baker’s Dow Janes?

Dow Janes has a free zoom masterclass that you can sign up for. They usually have one every day. The free masterclass is instructed by Laurie Anne King. By joining the masterclass, you can know all about the strategies of Dow Janes and ask questions. If you want to learn step-by-step, you can sign up for their Million Dollar Year coaching program.

What Do You Get With Dow Janes Million Dollar Year?

With Dow Janes Million Dollar Year coaching program, you get 12 months' access to the training curriculum, drop-in office hours consultation with financial coaches, monthly workshops led by experts, and the private online community. The curriculum is based on Dow Janes' Wealth Building Roadmap.

dow janes review

The roadmap follows 3 simple and actionable steps to lead you to financial success.

dow janes review

Phase 1: Build a New Financial Foundation

In the 1st phase, you'll be coached you through the process of building your financial foundation.You will learn how to:

  • Lay the groundwork for your financial system that will improve your financial habits, confidence with money, and financial literacy.
  • Gain a clear perspective on your financial situation.
  • Improve your relationship with money.
  • Promote good habits by creating a weekly money ritual.

The end goal of Phase 1 is to help you create sustainable and healthy financial habits by tracking your monthly spending. Resources in Phase 1 include:

  • Money Ritual Workbook to help you create and get used to a money habit.
  • Weekly Money Ritual Checklist to make sure you are staying on page with the program.
  • Personal Cash Flow Tracker so you can easily track your expenses and income.
  • Financial Snapshot Worksheet to create a benchmark and track your progress throughout the program.

Phase 2: Money Management Systems

After your foundations are established, Phase 2 will walk you through building your financial management systems. You will learn: 

  • Identify your short and long-term financial goals and how you can achieve them.
  • How to pay yourself with new automated savings systems.
  • How to apply monthly budgeting that keeps you on track to reach your goals without cutting down on your leisure spending.

By the end of Phase 2 you should have a clear overview of your financial goals and have the systems set up to make them happen. Resources in Phase 2 include:

  • Expense Audit Cheat Sheet so you can have an overview of your bills and expenses.
  • Spend Less than You Make Formula so you can calculate how much you can afford to spend.
  • Pay Off High-Interest Debt Plan is very useful to those who have high-interest debt to pay off.
  • Save to Invest Method helps you calculate exactly how much you should put aside towards investment in order to reach your goal.
  • Pay-Yourself-First System helps make saving money easier.
  • Budgeting & Savings Finder Spreadsheet helps calculate your monthly personal finance to make budgeting more efficient.
  • Living in Alignment with Your Values Workbook to help understand how to use your money wisely in alignment with your personal core values.

Phase 3: Your Future & Building Wealth

After your foundations are established, Phase 2 will walk you through building your financial management systems. You will learn how to: 

  • Create a financial plan to build up your emergency fund, save for retirement, and start investing in different strategies.
  • Calculate your credit scores and learn how to improve it.
  • Develop the investor mindset and learn how to become an expert investor.

As a bonus lesson, you will also learn how to create a philanthropic plan in order to give back to your community. Phase 3 resources include:

  • Save an Emergency Fund Action Plan to help you plan your emergency fund that you can use in case of an emergency.
  • Understanding Debt & Credit to help give you a clear understanding of types of debts so you know which ones to avoid.
  • Healthy Credit Score Checklist to help you understand how to increase your credit score.
  • Plan for Retirement Workbook & Calculator that helps you with your retirement plans.
  • Create Your Investment Plan to help you create a concrete plan to invest your money and start your journey to financial freedom.
  • Create Your Philanthropic Plan to help you plan a way to give back to community once you achieve success.

Enrolling in Dow Janes also comes with 2 bonuses:

  1. You get the $1,000 Month step-by-step video course that teaches you how to increase your income by $1,000 a month if you’re short on time.
  2. You get access to the Dow Janes Training Vault, which has 25+ additional trainings on various topics like managing finances in partnership, real estate investing, how to be financially prepared for divorce, paying off student loans, managing personal and business finances, and more.

Are Students of Britt Williams Baker’s Dow Janes Successful?

People who have purchased the Dow Janes program have mostly had positive reviews, although there seems to be a lack of real-world examples of success. Since the investment strategy works long term, it's hard to say just how effective they are.

dow janes review

Brittney, one student of the program, explains that Dow Janes has helped her be in control of her finances. She could already see the long-term effects that this will have. 

dow janes review

This review by an unsatisfied customer praised the info the course has and for being well structured, but criticized the Zoom coaching calls. She explained that the calls were nothing more than a cheering program that always has a sales pitch for an upsell.

Dow Janes Complaints

Dow Janes is BBB-accredited and addresses all complaints posted on the site. They currently have a 3.83/5 BBB rating out of 41 reviews. Most of these complaints are about issues with refunds because of complications and confusion with the refund guarantee or nonsatisfaction with the program. Earlier complaints are from subscribers of the Million Dollar Year program who are seeking to cancel their membership and get a refund. Dow Janes has reminded the no refund policy for the Million Dollar Year and has mostly refused to give refunds. Dow Janes has since changed their refund policy for the Million Dollar Year following many complaints.

Who Is Britt Williams Baker?

dow janes review

Britt Williams Baker is a financial investing coach, co-founder, and CEO of Dow Janes from San Francisco, California. She started investing as young as 8 years old and has over 10 years of experience investing in stocks and other strategies. She worked in management positions for several companies before co-founding Dow Janes.

Britt graduated Cum Laude in international health and economics from Georgetown University in Washington, DC, and earned her master's in business administration from Harvard Business School in Boston, Massachusetts. She is featured in many publications, like Business Insider, Medium, Yahoo, and more, and is a guest in many podcast episodes.

Who Is Laurie Anne King?

dow janes review

Laurie Anne King is a financial investing coach, co-founder, and chief creative officer of Dow Janes from San Francisco, California. Originally from Ontario, Canada, she has been coaching women about mindset and financial literacy since 2016 with her Orgasmic Manifesting System.

Is It Worth Investing in Stocks in 2024?

Investing in stocks is worth it in 2024. Even with the threat of an inevitable recession, investing in stocks for long-term profits is always worth it, as long as you have good strategies to follow. Dow Janes was named after Britt Williams Baker's mother's investment group. It is a reference to Dow Jones, which is an index that helps investors determine direction of stock prices for 30 of the most traded stocks on the NNYSE and the Nasdaq. These large, publicly owned blue-chip companies are commonly referred to as Dow stocks. Buying Dow stocks is a good investment. They are generally regarded as safe investments, regardless of rising interest rates and high inflation. Dow stocks are favored by hedge funds and billionaire investors.

The 10 Best Stocks to Buy Right Now

  1. U.S. Bancorp USB
  2. Taiwan Semiconductor Manufacturing TSM
  4. Wells Fargo WFC
  5. Roche Holding RHHBY
  6. Comcast CMCSA
  7. International Flavors & Fragrances IFF
  8. Anheuser-Busch InBev BUD
  9. Yum China YUMC
  10. Bank of America BAC

Advantages and Disadvantages of Investing in Stocks


Potential for high returns in your investment, especially when compared to investing in bonds.

You can limit risks by investing low.

Stocks are very liquid and can be bought and sold quickly for a quick profit.

Historically, returns on stock have averaged 11% annually. This is higher than other investment strategies.


Stock prices tend to be volatile. Prices rise and fall depending on the companies' policies, which individual investors have no influence over.

Stocks represent ownership of a business, but if a business goes bankrupt, bondholders (who are a company's creditors) get priority in being repaid, which can leave common investors with nothing.

Investors in a public company might not have access to all information from the company in order to make quality investment decisions

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