Debt Inflation Weighing You Down? Give Your Money Wings.

The integrated money system, strategy, support you need to unlock wealth and find financial peace of mind. 101 Financial – a better way to money.

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54,000+ students saving over $2.5 Billion in projected interest*
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Merl & Darrylnn   Ferreira

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.”

- Merl & Darrylnn Ferreira, 101 Financial Instructor Money Coach

Take Charge of Your Money

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Times are Tough

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
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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.

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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
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FINANCIAL FOUNDATION

Step 1 of your Stress-Free Life

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ENROLL TODAY
FIND OUT WHERE YOU STAND

Get Your Free Personalized Financial Report

Smash Your Debt Build Your Plan Today with Our Proven System

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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.

GET YOUR REPORT IN 5 MINUTES
YOUR PERSONAL FINANCIAL INSTRUCTOR

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

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!

SCHEDULE YOUR FREE REVIEW

I’m Here For You

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

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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.

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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.

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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.

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SUCCESS STORIES

See What People Like You Are Saying

Don’t just take our word for it—check out what people like you have been saying about their experience with 101 Financial.

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

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"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

Baguio

"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

Danielle

"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.