54,000+ students saving over
$2.5 Billion in projected interest*
Merl & Darrylnn Ferreira
Can I Show You What Changed My Life?
“Just like you, I was sick and tired of feeling like I could never get ahead
financially. There was always another bill, always another payment, and
no matter what I did I couldn’t escape the worry that I was somehow
getting it wrong.
Then I discovered 101 Financial. My instructor showed me simple principles and
provided useful tools that helped me make better everyday decisions—and it
completely transformed my finances! Because it’s made such a difference for
me, I’ve joined 101 Financial’s crusade for financial literacy as an instructor so
I can help others make the same changes in their lives. I would love to help you
see how you can transform your personal finances too.”
It’s no secret that most people are stressed over money.
With out-of-control Inflation, growing debt, slipping credit,
dwindling savings, and no real financial plan, Americans
are financially struggling to make ends meet.
In a study from Thriving Wallet,
90%
of Americans said that money has
impacted their stress level, while
65%
said they cannot overcome their
financial difficulties. Yet nearly
40%
report they are not taking steps to
secure their future.
The Solution is 101 Financial
Our financial education program, private money coaching, and innovative financial technology offer a complete personal finance solution with support, strategy, and an award-winning system. Our courses provide solutions for:
Better Budgeting: Creating a 3-6 Month Road Map Projection
Smarter Banking: Utilizing a unique Debt Checking Account
Credit Building: Mastering your credit score
Debt Busting: Saving you time and money
YOUR FINANCIAL EDUCATION STARTS HERE
The 99 Course:
Better Budgeting Credit Building
Our 99 class is the springboard for all new students. It teaches you a better way to budget, techniques for building credit, and ways to increase your monthly cash flow.
Discover how to: organize your finances, run financial projections, start saving strategically, and improve your credit score.
Receive personalized, private, and live classes with your certified 101
Instructor, plus access to an entire library of video tutorials. Includes the
101 Platform that makes it easy to manage all of your financial information.
Start applying the proven 101 Financial system today.
3
One-Hour Classes with Your Personal Money Coach
2
Months Additional Phone/Email Support
6
Months Access to the 101 Money App
6
Month Financial Roadmap/Advanced Budget
Lifetime Access to Online Learning Center - Library, Lessons Videos
Smash Your Debt Build Your Plan Today with Our Proven System
All journeys begin with a first step. Receiving your free financial report
from 101 Financial will start you down the path of financial freedom.
Our average student saves over $100,000 in interest costs and pays off
their debt in half the time or less. Fill out our quick money calculator to
see how much money and time you’ll save.
Supercharge Your Financial Education With Your Own
Personal Money Coach
All 101 Financial Instructors are first, successful students. We select our top students and certify them as money coaches. They have thrived with the 101 system and will teach you to thrive as well.
Their experience and guidance are your
superpowers.
Merl & Darrylnn Ferreira
Kailua HI 96734
(808) 864-1829
merls101@gmail.com
Meet Your Instructor
Why I Decided to Become an Instructor
As a student, 101 Financial has really helped in my financial life
and given me financial peace of mind. I became an instructor
to pay it forward and help others achieve the same peace of
mind. I joined this financial crusade to bring financial education
to families and communities. It’s time for me to now help you.
My Promise to You
If I can do it, you can do it! With the resources of 101 Financial,
including myself, you will finally be taking that dream vacation—
without worrying about the interest. Let’s chat!
As a 101 Financial instructor, I have personally felt the change,
financial success, and peace of mind financial literacy brings—
after all, I was once a student just like you! As I’m guiding you
through this process we’ll meet one-on-one, either in person
or online, to go over the curriculum and give you chance to
ask all of your questions—even the embarrassing ones.
I am your teacher, mentor, coach, and financial cheerleader. I
will give you the personal instruction and encouragement you
need to makeover your finances and stick to your plan. You’re
not alone. With 101 Financial, you have everything you need to
succeed. Stress-free finances here we come!
101 Financial is here to make a real impact in the lives of our
students. We promise to do our very best to help you change
your financial life for the better. We do what other financial c
ompanies won’t: we help families like yours get into the
everyday, nitty-gritty details of your finances. We are dedicated
to giving you the tools to make better small decisions for a big
lasting difference.
3 STEPS TO SUCCESS
1
Get a Plan Built for YOU
You’ll work closely with your instructor
to build a financial plan specific to
your lifestyle, family, and future goals.
2
Have a Guide Every Step of the Way
Your instructor will show you, 1-on-1, exactly how to implement your plan and start transforming your finances.
3
Get on with the Better things in Life
No matter your goal—being debt-free, a homeowner, or financially free—you’ll now have the know-how and control to achieve it!
Let's get started now!
Discover the possibilities financial freedom can bring you and your family.
Megan shares how 101 Financial helped her to pay off debt and buy a house much sooner than she expected
“We were able to get a 3-bedroom, 2-bath in Las Vegas and it’s very exciting to me just to achieve this accomplishment. Without 101, I don’t think I’d be here this soon and probably would not be able to afford a house in the next couple of years.” — Megan from Las Vegas
"What I love is that 101 Financial has empowered us and provided all the tools and knowledge needed to create a plan, and mark attainable goals customized as our own financial footprint. Our children will have the knowledge to be financially aware and stable, allowing them to make sound financial decisions when they leave our home as young adults!"
- Hollie & Brandon Simpson
"We became 101 Financial students in 2015. I left my W-2 job after four months. We take many trips for business and family vacations, became a real estate investor, and own multiple businesses. Real estate is where we are currently focused and 101 Financial is the ONLY reason we are able to play in this space. Learning and implementing 101 Financial is something your future self will thank you for."
- Richie & Geraldine Baguio
"My family went from not having enough money at the end of each month to keeping a budget and always knowing we were financially secure. Our friends, families, and soon-to-be friends deserve to know there is another way when it comes to finances. Knowing I can help others and be part of the shift 101 Financial is creating has been a true blessing."
- Danielle
Our greatest accomplishment is our
students’ success.
Get Started Now
Take the first step toward your 90-day roadmap
Act now! Schedule your free 20-minute financial review with one
of our certified instructors. It’s one-on-one, confidential, and your
first step to stress-free money management. Let’s see what we
can do together.
