Financially Free: A 21 Day Class



"I’m a lot like you when it comes to complicated financial systems - they make me want to hide under the covers! But I love being financially free. So over years of trial and error, I finally found a truly simple method for becoming financially free, no matter where you are now, and no matter how overwhelmed you may feel."

- Janet Luhrs, best-selling author of The Simple Living Guide

21 Days to Financial Freedom

Here’s my promise to you: You can have a life of financial freedom - no matter what your financial situation looks like now.

I can make these promises from lots of experience. During the time that I’ve been teaching simplicity, I’ve met too many people from every walk of life - to think that you can’t have what you want. Here are a few of the people who inspired me, and who you’ll meet when you take my Financially Free class:

financial inspiration

The couple who were $11,000 in debt when they got married, and within two years, while both of them earned minimum wage - they were completely debt free. You’ll learn how they did it.

financial inspiration

The woman in her 30s who decided she was going to retire at age 44 by following a simple, practical plan - and she did it. You’ll know her secrets.

financial inspiration

The man who began his career as a lawyer and immediately began buying a car, furniture and other big items on credit - only to realize soon after that he hated being a lawyer but was stuck in his job because of his debt. You’ll learn how he made a big U-turn and was able to leave law in a short period of time to follow his dreams. You’ll learn how.

financial inspiration

The couple who began their marriage making a decision that freedom was their most important goal - rather than having a bunch of stuff - and on modest wages - built up enough rental property that they were able to travel the world when they wanted to. You’ll know how.

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"Be prepared to change the way you think about spending, what you 'need' to be happy, and how you spend your free time."

- Janice

How do they do it!

I have seen, first hand, how regular people like you have been able to create the lives they wanted by simply saying YES I CAN.

They tossed the idea that they couldn’t do it. They ignored the idea that they didn’t earn enough money to get out of debt. They paid no attention to limiting thoughts and instead, marched forward on their way to financial independence.

I’m here to show you how you can do it, too.

I’m going to show you that no matter what your financial situation is now - no matter how trapped you feel - and no matter how intimidated you are by complicated investment strategies - you can have financial independence.

couple on front steps
  • If you’re in debt - I’ll show you how to get out of debt.
  • If you’re intimidated by complicated investment systems, I’ll show you my simple plan.
  • If you feel like you’ll never get off the work and spend treadmill - I’ll show you how.
  • If you feel like you don’t earn enough money to ever get ahead - I’ll introduce you to people who have done it even while earning minimum wage.
  • If you feel trapped by your job - I’ll show you how to get out of the cycle.

I designed my 21 Days to Financial Freedom class to help people like you get out of debt, get off the work and spend treadmill, and be on your way to financial independence.

It’s literally a step by step class that starts where you are and takes you by the hand to the financial freedom that you want.

Most importantly - I’m going to show you how to change the way you think about what’s possible in your life. By the end of class, you’ll go from feeling like you can’t, to knowing that you can.

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"You live more intentionally and you learn to not spend money on needless 'things' when you don't really need those things. It is the ability to just say 'enough is enough' and rethink the way you live. It is less clutter, less stress, and more time for the things that actually matter to you (hobbies, family, relationships, etc)."

- O

This class is for you if…

  • You’re very ready to become financially independent - but you don’t want a risky, complicated path to get there
  • You’re tired of always being in debt
  • You want a whole lot more out of life than just trying to keep up
  • You so much want the security that comes from knowing you have enough
  • You want to relax and not worry
  • You want to know you can pay the bills each month without feeling stressed
  • You want a simple investment plan that doesn’t feel scary, over your head and overwhelming
  • You want enough money for college or retirement
  • You dream of great vacations that you could enjoy without worrying about how to pay for them
  • You'd love to be more generous with yourself, your family, friends and causes you believe in - but right now you can barely keep up

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"...we lose sight of the point of life - that for most people, it doesn't make sense to work a lot, to get lots of money, to get a bigger house and lots of stuff. Rather, we can be more content (and have a lighter environmental impact) by working only as much as we need to in order to meet the needs that are basic and the needs that are most important to us."

- Elizabeth

No matter what your income is now - I’ll show you some surprising ways you can get in control of your finances.

Remember my promise from above? Let me repeat it again:

"You can have a life of financial freedom - no matter what your financial situation looks like now."

BUT… This Class is Not for the Faint of Heart

During our 21 days together you’ll work hard and you’ll get introspective and identify your true wants and goals. This is by no means a passive, sit-back-in-your-chair class. It’s not like reading a book where you don’t have to do anything. If you’re ready for your life to change in a big way - maybe the biggest ever - then get ready to roll up your sleeves and dive in. Your homework is thought-provoking and enlightening - exactly what you need to be on your way to financial freedom.

Therefore, I can make this promise because there is no way you can take this class, do your homework, follow the steps and come out the other end unchanged.

During this course we focus on 3 core concepts:

Dad and Daughter

What Do You Really Want?

This is the most important first step, because you’re going to create your own personal roadmap for where you want to go. I’ll help you by asking you questions, such as how do you want to live and what are your heart’s desires? I’ll show you how to get to know yourself in a new way. This will be your guiding light as you go through class, but more importantly - as you go through your life.

Couple Discussing Money

Understanding Your Spending Habits

Do your spending habits reflect your heart’s desires and your deepest values? I’m going to show you just how vitally important it is for your health, well-being, and financial stability when you spend and save according to your values and desires. During this lesson, you’ll learn how to get off of the frustrating work and spend treadmill.


How to Thrive Financially

No matter what your income level is now, you can become financially independent. You’ll learn how to get out of debt, how to start saving money, and you’ll learn my simple strategy for investing your money. You’ll also learn about the styles of investing that match your personality.

What You’ll Learn:

  • How to get out of the debt mindset
  • What is enough for you
  • You’ll be inspired by real stories of people like you who have created amazing lives on all income levels
  • You’ll learn my simple and effective investment system
  • You’ll find out what makes you tick
  • You’ll get to know how your actual spending is reflecting who you really are
  • You’ll learn how to stay your course in the face of seductive marketing
  • And best of all - you’ll learn to enjoy your life and your money - no more living with angst and fear, or feeling guilty because you splurged here and there. You’ll learn how to splurge within your financial plan
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"There is a big emphasis on saving money and not getting caught up in the treadmill of debt, which in turn leads to less buying, which in turn leads to less clutter and time spent caring and storing for your stuff, etc. It is helping me look at my life and discover what's really important to me, not someone down the street."


What Do You Get?

A surprising introduction to money and your life. This is not a dry, step-by-step, boring, budgeting approach to managing your money. (Yeesh! I hate dry, boring budgeting!)

Recorded Classes with Janet Luhrs

Four recorded audio classes with Janet. Each step of the course is a recorded class with Janet where you’ll get the lesson for the week, and reading and homework assignments. This is your time to take a deep look at your life, what you want, what you value, and how to set yourself up for the peace and financial security that you dream of.

You Can’t Fail

If you do all of your homework and listen to each lesson, you can’t fail. What? How can that be? I make this promise because I know you’re human, just like me, and all human beings fail sometimes. It’s just a fact of life.

Many of the most successful people have had huge failures - sometimes several of them. But the difference is that they learn from their failures, and they pick themselves up and start all over again.

So I designed my Financially Free course with inevitable failure in mind. A big part of your homework is a daily recording of your successes, no matter how small and seemingly insignificant. But even more importantly, I’ll show you how to turn your failures into successes, and you’ll record those, too.

By doing this, you’ll learn how to not get taken down when you’re discouraged - and you’ll learn how to literally turn your failures into your own success.

A Roadmap for Your Success

At the beginning of class, you’ll get a roadmap that details exactly what you’ll be learning and the reading and homework assignments you’ll have for the whole course. This way, you’ll always be on top of what we’re learning and where we’re going.

Inspired Homework and Reading


You’ll get four personal ebooks that contain your self-evaluation questions, your homework, a journal for your heart’s desires and more. Your homework in this class is designed to help you dive right into the very heart of you. You’ll learn what’s been making you tick, what your values are, and whether you’re living and spending according to your true values. You’ll learn about you - what you really want out of your life, and how your money habits can help you get there or keep you stuck. And you’ll be looking at your actual spending to see where your money has been going. Then you’ll learn how to make changes and begin spending and investing according to what matters most to you.

You’ll also read hugely inspirational stories of real people who have gotten out of debt in surprisingly creative ways, and how others took the time for the same kind of introspection that you’ll be doing, and then woke up, changed the direction of their lives, and began living their dreams.

Simple Living Guide

REQUIRED READING: You’ll need to get a copy of my best-selling book, The Simple Living Guide. The book contains the inspirational reading that I refer to and use as some of the homework throughout the class. Don't worry - even though The Simple Living Guide is a big book, you’ll only be reading parts of it during this class. We’ll be using that reading as our base for many of the thought-provoking questions that you’ll be working on throughout class. You can order The Simple Living Guide from the library, purchase in Kindle format, or buy as a new or used copy here.

Will You Join Me?

Start living the life you want with the money you already earn by signing up for class now.


Testimonials are from readers of my books.