Wonderful experience and highly recommended! Wonderful experience! Before I was introduced to 101 Financial, I was pretty good with managing my money (or so I thought!), so I didn't think I needed their help. In 2016, I noticed that 3 of my student loan balances were HIGHER than what I originally borrowed, and I was upset!!! I saw a friend talk about her success on social media with 101 Financial, so I asked her where I could learn more. She invited me to a workshop and I was so impressed with what I learned, that I enrolled in the beginner's class right away. During the first two months of my classes with my instructor, I paid off my car 4 years early, along with a credit card, totaling $13,000 of debt. I was floored! Three months later, I left my corporate job at the bank, and have been able to stay home with my kids ever since. I HIGHLY recommend this company to anyone who is looking for a smarter way to manage their money!!

101Financial Wellness & Happiness This program has given us financial knowledge, peace of mind, a better way to handle our finances and goals for the future. We went from struggling to make ends meet and borrowing and creating more debt to do so to paying off $60,000 in six months and planning for our investment future. On top of improving our financial picture, this program has helped to strengthen our marriage, align our goals and relieved so much stress! We’re so glad to have learned from family who took the same path and we’re all in better financial positions today because of 101Financial and the amazing team!

This is basically a multi-level marketing scheme This is basically a multi-level marketing scheme. We paid 101 Financial $4k to basically give us a spreadsheet to keep track of our income and expense (nothing groundbreaking) and to tell us about a personal line of credit and a home equity line of credit (HELCO). They talked us into putting our ENTIRE mortgage into a HELOC and it wasn't until we went through the lengthy process of paperwork and appraisal, that we sat down at the bank officer's desk and he told us it was only locked in at 3% for 3 years then we had to find another HELOC because the interest rate would skyrocket! We were locked into a mortgage with Wells Fargo in 2020 at 3% for 30 years and now we are facing refinancing our HELOC next year when the interest rates are nowhere near 3%! Major mistake. We should have stuck with our conventional mortgage with Wells Fargo. Our rep at 101 Financial said we would pay off our house much faster if we put it all in a HELOC because more of our payments go towards the principal (not entirely true). Well that might have worked for her, but not for us. The 101 Financial system is very complex and entangling. They preach a one-size-fits-all program for managing your money which is just not reality. We deeply regret making this decision and have not made any headway on our original loan balance bc 101 also said to use credit cards for daily expenses, then pay it off monthly using our income and checking account that is tied into the HELOC, using the HELOC as overdraft protection. It is basically a complete mess to manage. When I told our 101 rep that this is not working for us, she said "Yeah you might have to go back to the old way of banking. It doesn't work for everyone." We paid her $4k for this?!? She offered no guidance or support and just blew us off. I feel very taken advantage of and am now seeking help from a REAL trained money coach with an MBA in finance to get us untangled from this 101 mess. 101 'coaches' are not trained in finances, they are only trained in the 101 system and get paid for everyone who they recruit to get trained under them = pyramid scheme. Whatever you do - don't put your entire mortgage in a HELOC! You can learn about personal lines of credit and HELOCs for FREE on your own and use any basic app or spreadsheet to see what is your income and expense. Don't get taken for a ride by this 101 scam!

Growth Mindset This financial education company has given us hope in that there really is a path to achieve our big scary financial goals. The workshops, the instructors, and attending the 101 University has helped me stay motivated, maintain a growth mindset and stay focused. The courses are designed so that you can take responsibility for your past financial mistakes and plow forward in eliminating debt and making better financial decisions. I am very grateful for the people who introduced this program to us. The education I received has opened my eyes on the many opportunities I have to be able to invest in our future as well as enjoy living in the present.

I was so afraid that I would retire with debt I was so afraid that I would retire and drag debt into retirement with me. But, I heard about 101financial from my son and I took a leap of faith. I paid off $107,125.00 of debt in 1year and 9 months. Because of 101financial and all the like minded people and professional staff I am debt free. I am now looking for my first investment property!!!