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The 101 Financial Process: How it All Works

What You Can Expect as a 101 Financial Student

Are you tired of struggling to make ends meet despite your best efforts? You’re not alone. Perhaps your finances are doing well, and you want to get even further ahead. We can help.

At 101 Financial, students learn and save with our proven system, personalized coaching, and practical tools to take control of their finances and build the future they deserve. We’ve improved our students’ finances, helping them build their perfect financial future. And we can help you too.

This guide will walk you through the financial journey of a typical 101 student. You’ll discover our step-by-step approach, from your initial free consultation to advanced wealth management courses. Learn about our coaching system, cutting-edge financial tools, and how we tailor our program to your unique needs.

Below, we outline our course structure, including the foundational 99 Course on budgeting and credit, progressing through debt management, smart banking, and advanced strategies. You’ll also get answers to common questions and hear from successful students who’ve transformed their financial lives.

Whether you’re looking to improve your budget, build credit, get out of debt, or start investing, 101 Financial offers the knowledge, tools, and support you need to achieve your financial goals.

Read on to see how our 20-plus years of experience and team of 600 certified money coaches can help you write your own financial success story.

Your Path to Financial Freedom Starts Here

Let’s break down the journey you’ll take as a 101 Financial student:

1. Getting Started

Here are some “getting started” options for those who have questions about 101 Financial and want to learn a little before getting started.

  • Free Financial Analysis and Consultation: Fill out a quick financial form and receive a report you and your Instructor can review. We’ll review your current financial situation and identify areas for improvement.

  • Free Workshop: Learn about key personal finance principles and discover how 101 Financial can help you build your financial system and thrive.

  • Sign Up and Enroll: Ready to start? Let’s make it official!

  • Meet Your Instructor: Your personal finance coach will guide you on your journey. If you do not know your instructor, they will reach out to you. It is important to get to know your Instructor, as they will become your trusted coach and accountability buddy. (We use the terms Instructor and Coach interchangeably.)

  • Schedule Your First Class: It’s time to take that crucial first step.

2. Your First Class – Laying the Foundation

In your initial 99 Course session, your instructor will cover:

  • Introduction to the 101 Financial Budgeting System
  • Getting started with the 101 App
  • Creating your personal financial flowchart, calendar, and projections
  • Calculating your cash flow
  • Setting up your “weekly expense tracker” (homework)

Even if you enroll in the 100 or 101 Courses, your coach will go over these same items. It’s the foundation of the 101 System.

3. Your Learning Journey

101 Financial offers eight courses in total, ranging from our introductory budging and credit course to our money mastery course.

99 Course:

  • What it is: Budgeting and Credit Review
  • What you get: 12-month financial roadmap, financial starting point, personal plan, credit review, goals, and prep for 101 Debt-Checking
  • Length: 60 days, 2-3 classes

100 Course:

  • What it is: Debt Management and Credit Building
  • What you get: Strategies to pay down debt faster and build credit
  • Length: 60-90 days, 4-6 classes

101 Course:

  • What it is: Smart Banking
  • What you get: Techniques to supercharge debt reduction
  • Length: 60-90 days, 4-6 classes

Wealth Academy (201-501 Courses):

  • 101 Advanced Strategies: Using larger credit accounts, strategic planning, wealth-building
  • What it is: Insurance, Investing, Wealth Management
  • What you get: Expanded knowledge, action plans, events, Q&A sessions
  • Length: Ongoing

4. Frequently Asked Questions

Q: Why do we start with the 99 Course?
A: The 99 Course lays the foundation for your financial success. It’s where you’ll learn the basics of budgeting and credit management, which are crucial for all future courses.

Q: Can I begin with the 100 or 101 Course?
A: While it’s possible, we strongly recommend starting with the 99 Course. It ensures you have a solid grasp of the fundamentals before diving into more advanced topics. The 99 Course can be completed in as little as two weeks. It’s well worth the time. Plus, if you complete the course within 60 days, the cost of the course will be deducted from the next course you take.

Q: When can I start the Wealth Academy?
A: The Wealth Academy is designed for students who have completed the initial courses and are ready to advance their financial education. Your instructor will help you determine when it’s time to begin. Get more information by visiting the Wealth Academy section of the website.

Q: What is 101 Financial?
A: 101 Financial is a financial education company dedicated to helping individuals and families achieve financial peace of mind through personalized guidance and practical tools. Getting out of debt can feel overwhelming. At 101 Financial, we teach what many people don’t know about managing money so they can make informed financial decisions and live a full, rich life.

Q: What is the mission of 101 Financial?
A: Our mission is “Financial Peace of Mind for Everyone.” We believe that everyone deserves to learn and understand money so that they can use it to better their family’s lives and future.

Q: What services does 101 Financial offer?
A: We offer personalized financial guidance, educational resources, and practical tools to help you manage your finances, reduce debt, and build wealth. We offer courses to meet your needs, no matter where you are.

Q: Who can benefit from 101 Financial’s programs?
A: Our services are beneficial to anyone looking to improve their financial situation. Whether you’re struggling with debt, trying to save for a big purchase, or planning for retirement, we can help.

Q: How does 101 Financial personalize its guidance?
A: We work closely with each student to understand their unique financial situation and goals. Based on this, we provide tailored advice and strategies to help them achieve financial success.

Q: What tools does 101 Financial provide?
A: We offer a variety of tools, including a financial platform and the Learn and Do Center. The Financial platform helps you organize all your income, debts, and expenses. It also helps you analyze and increase your cash flow, build a debt-elimination plan, and strategically calculate accelerated payments. The Learn and Do Center offers additional eLearning courses and quizzes to enhance your overall learning experience.

Q: How can I get started with 101 Financial?
A: You can get started by contacting your 101 Instructor directly. If you don’t have an Instructor, contact 101 through this website or call our office at (866) 9999-101. We will schedule a phone call to assess your needs, discuss your goals, and develop a personalized plan for you.

Q: Is there a cost for 101 Financial’s services?
A: Yes, there is a cost for our courses, starting with the 99 Course at $249.

Q: How soon can I see results with 101 Financial’s guidance?
A: The timeline for seeing results can vary based on your financial situation and commitment to following the plan. Most students see improvements in their first class, while others may take a few weeks. Every journey is dictated by where you start and what you’re willing to do.

Q: How does 101 Financial ensure the confidentiality and security of my financial information?
A: We take confidentiality and security very seriously. All student information is handled with the utmost care. We will never ask for or collect your account numbers, date of birth, or social security number. Your financial profile only contains basic balances, income, payments, and due dates.

Q: Can 101 Financial help with both personal and business finances?
A: Yes, our courses and systems can be applied to both your personal and business finances. In fact, our system teaches students to run their personal finances as if they were a business. We run projections to analyze cash flow a year ahead and make calculated and accelerated money moves today. Our 101 Course will incorporate Smart Banking and show you how to leverage your cash flow to its fullest potential, allowing you to eliminate debt, increase your purchase power, and start unlocking wealth.

Q: What sets 101 Financial apart from other financial education services?
A: Each student gets their own instructor/coach to guide them every step, build a customized plan, and ensure optimal results. Our personalized coaching, financial education, and financial technology, all working hand in hand, allow for the fastest and most comprehensive pathway to financial success.

Q: My spouse doesn’t want to move forward; can I still do it?
A: Absolutely, you can still enroll in 101 Financial even if your spouse isn’t on board right now. Many of our students start their financial journey individually and later bring their spouses on board once they see the benefits and results. We support individuals in taking control of their financial future, and we’re here to help you succeed regardless of your spouse’s current involvement. Feel free to reach out if you have any more questions or need assistance getting started.

Q: Do you have a refund policy?
A: We have a 30-day satisfaction guarantee policy in place. We ask that you attend all your scheduled classes and meetings. We ask that you come prepared and do the tasks assigned by your instructor. If you follow the plan and are still not satisfied, please contact our customer service team within 30 days of enrolling, and we will assist you with getting your refund. Our goal is to support your financial journey, and we want you to be completely comfortable with the value you’re receiving from our program. Thank you for considering 101 Financial.

Ready to Take the Next Step?

Choose your path to financial freedom:

  1. Check out a free financial workshop.
    Workshops are available throughout every month and can be attended online via Zoom or at a live event. They last between 30 and 60 minutes and provide valuable information about important personal finances and how money works. View this month’s schedule here.
  1. Get a free financial analysis.
    This complimentary resource will only take a few minutes to complete but will provide an important snapshot of your financial life and a starting point for your new journey. Your Instructor will also review your report with you, offer feedback on your current financial situation, and help you choose the next step in your journey. A $250 value and an invaluable resource—our gift to you.
  2. Enroll in our Introductory 99 Course.
    This low-cost investment will start you on your new path of financial freedom. Start today and start winning!

 

Your Journey to Financial Freedom Starts Now

At 101 Financial, we believe that everyone deserves financial peace of mind. Our proven system, backed by over 20 years of experience and 600 certified personal money coaches across the United States, has helped thousands of students just like you take control of their finances.

Remember, financial success isn’t about making drastic changes overnight. It’s about making better small decisions that add up to a big difference. With 101 Financial, you’ll have the knowledge, tools, and support you need to make those decisions with confidence.

Don’t let another day go by feeling stressed about money. Take the first step towards financial freedom today. Whether you’re looking to budget better, build credit, get out of debt, or start investing in your future, we’re here to guide you every step of the way.

Your financial transformation begins here. Are you ready to write your success story?