Is The Financial Freedom Formula A Scam? My Ruthless Review

If you've come across this review you're probably trying to figure out if this program actually works as advertised or if it's a waste of your time. 

​So is The Financial Freedom Formula a scam?

Initially I thought it was for sure but I decided to sign up and see what exactly was inside. 

The video kept asking me to sign up to get the 5 steps to success and that it was totally free. Once I signed up they asked me to buy the program for $47. 

Seemed a little misleading. ​But I bought it anyway for the sake of this review.

Read on to find out why I don't really like this course and what I recommend instead. ​

Name: The Financial Freedom Formula


Owner: James Foster

Price: $47 USD

Score: 44 out of 100​

is the financial freedom formula a scam

The Financial Freedom Formula Review

  • A fresh idea for making money
  • This could work for the right person
  • Reasonable price
  • A lack of detail
  • Not great for beginners
  • Fake testimonials

The Sales Video

I got a really bad first impression of the sales video because it had a lot of similarities to some of the worst scams that I’ve reviewed in the past.

There are at least 3 things that almost all scam websites do or say in their sales videos and when I see a sales video do all or any of these 3 things, I get suspicious.

Those three things are……

  1. Use Testimonials
  2. Promise Huge profits
  3. Don’t give any details about the actual program itself

I’m not saying that using these three things automatically means that it’s a scam, I’m just saying that it raises my suspicions when I see them.

As soon as I see video testimonials I always head right over to and see if I can find the same people there advertising their service as actors.

Out of the three video testimonials I was able to find one of them on Fiverr. He is a hired actor who does professional product testimonials.

Basically he is willing to lie on camera. Here is the proof.


FFF fiver 2


FFF fiverr 1


So now we know that the people at Financial Freedom Formula have no qualms about lying to people in order to make sales.

I can only assume that the other 2 are fake too now that I know this.

Now for the huge promises……

Most legitimate money making programs don’t make huge promises to potential customers.

The reason they don’t like to do this is because everybody is different and there’s never a guarantee that someone will make money with a program.

All of the real opportunities will tell you straight up that if you want to be successful online you’ll have to do it the hard way which requires a lot of work and a lot of legitimate training.

So naturally my scam alert starts to go off when I see a video talking about huge earnings, mansions, boats and a luxurious lifestyle in order to lure people into buying.

The third thing that raised a red flag for me was the fact that they don’t give any details about how money will actually be made.

Instead of giving us a few small details about what this course teaches, they just create hype, hype and more hype.

This always bugs me and I’ve seen it a lot with scams.

So as you can tell, I didn’t like the sales video. But I got over it, I bought the program anyway and below is my receipt.

FFF receipt


It does come with a 60 money back guarantee so I figured it was worth a try.


Training Overview

Once I paid the $47 I was let into the members are where they had a welcome video.

The brief welcome video finally let me know that there would be hard work involved but that eventually I could set this business on autopilot and relax while the money poured in.

After the short welcome video you can start your training. There are 5 videos that they are calling “Webinars”.

FFF traingin overview


Webinar 1 – Find Your Profitable Passion

This video is just over 7 minutes long and it’s designed to help you figure out what topic your online business will be built around.

There’s a lot of talking about figuring out what you’re good at and enjoy.

I also want to add that the voice in the video sounds robotic and not really human although he claims to be James Foster.

The first instruction he gives us is to create an account and profile at,, or any other freelance website.

Then he tells us to attend a networking event, write a short proposal to a contact or local business offering your services and create a linkedin profile.

The next step is to complete his “Passion Finder Test”

FFF passion

The “Passion-Finder Test” is suppose to help you find out what topic you should focus on for your business.

He asks us to write down the answer to these three questions…..

  1. What do you love to learn about?
  2. Who do you admire and why?
  3. What problems are you good at solving?

He says that after we answer these questions we should notice a theme. Then we should go to or another freelance website and see what categories are aligned with our answers.


FFF theme


He asks us to complete this task within 24 hours while it’s still fresh in our heads.

So that’s basically all the training is for the first webinar. Very very thin training in my opinion but maybe the next webinar will be more thorough and detailed.

Let’s find out.


Webinar 2 – Gain Niche Intelligence

This is a 5.5 minute video that all about learning who your clients will be once you get rolling with this business.

Then he gives us another task.



He tells us to use the common theme that we discovered in our first task and head over to a freelance website looking for job ads in that niche or theme.

He tells us to find three jobs in that niche and follow that job. Don’t apply for it, just hit the follow button or add it to favorites or watchlist.

he then tells us a few things to look out for about the prospective client.

He tells us how to figure out if this client is someone who has a budget and frequently spends money on freelancers or just a beginner that will most likely be a one time user.

He wants us to focus on experienced clients.

Then he wants us to come back in 5 days and see who got hired for that job. Then analyze the profile of the person who got hired for the job.

That is the entire lesson.

He gives us some decent tips on finding the “good” clients and how to attract them.

It’s a short lesson but there are some pretty good tips here. Not too bad.


Webinar 3 – From Nobody To Key Planner In 48 hours

This one is a 6.5 minute video.

It mostly talks about how to get hired. More specifically, how to create a profile on a freelance site that will inspire clients to choose you.

He talks about pretty basic stuff like using a good quality profile picture and what to write about yourself in the profile write-up.

He recommends using some of the information we gathered in webinar 2 for your profile. This will help you stand out from the rest of the freelancers.

There are some good tips here on setting up a good profile that I do think would help you get hired.

A quick lesson but a lot of good tips in here.


Webinar 4 – Your First Income Online

This is a 7 minute video that talks about how to get hired and make some actual money on a freelance site.




He tells us how to write a proposal to prospective clients and tells us to make a template so that you can repeat it to other clients going forward.

The proposal is meant to make the potential client think that you actually have put a lot of thought into their job and that you really want the job.

Since you have a template for this, you can quickly and easily send this message to multiple other prospective clients without having to put too much effort in.

After that he talks about pricing.



He tells us that we should start fairly low. For example, if the clients budget is $0-$200 you should price yourself just below half of that. Around $75-$90 would be perfect.

He says that we aren’t able to price very high until we have some experience and good reviews on our profile.

The primary goal at first isn’t to make as much money as possible, it’s to get the experience which will build credibility.

He then tells us to use the template that we’ve built and send out a proposal to 10 different jobs.

The reason we need to send it to 10 jobs is because we need to be aggressive at first since we don’t have any experience yet.

If you don’t get hired after applying to 10 jobs, just keep applying for more. He says that eventually you’ll get hired and get a review.

This lesson has a lot of little tips crammed into a small amount of time.

You’ll probably have to pause it and rewind a lot so that you don’t miss anything.

All-in-all this was a very useful lesson.


Webinar 5 – Automate Your Online Business

This is an 8.5 minute video that shows you how to automate the labor of this business so that you can focus on scaling it up for more profits.

He tells us that we need to create a business system that we can use to make all of the tasks easier to complete in the future.

FFF system


Then once you have a system and you’ve been hired to do some jobs you need to figure out which parts can be hired out.

Once you figure out what to hire out, you can start using the very same freelance website that you’re on to hire out specific tasks for your job.

There are a lot of little details he talks about in this lesson but my over all feeling after watching this lesson was confusion.

He really doesn’t show us how to do any of these tasks. He just tells us.

I thought it was a neat lesson in the sense that I could see how this could work for someone but I think it would take a lot of practice and maybe losing some money to get it totally figured out and automated.


Support and Mentors

Before I bought this program they said that I would have access to a whole bunch of millionaire mentors who have had success in this business.

They also said that there would be lots of support if I ever needed help.



The problem is that there isn’t actually any mentors at all. I guess this was just another lie kind of like the fake testimonial.

There is one contact form that you can use to get help but this is a far cry from a “mentor”.


Final Thoughts

I’ll admit that I liked this program a lot more than I was expecting to.

I actually thought that for sure it was another scam that would lie to people in order to get their money.

Although this is partly true because I did catch them in a few lies, like the mentor thing and the fake testimonial but the course itself was real.

This is a real system that someone could potentially make real money from and I have no doubt about that.

I even found myself wanting to try to make a go of it for one brief second.

Then I remembered that I already have an online business that makes money and I love it so there’s no reason to change things.

Here are my final ratings of the Financial Freedom Formula.

Star ratings
  • Honesty
  • Integrity
  • Profit Potential





So if you are dead set on making money using freelance websites then you might have some luck with this program.

I can assure you that it’s not a scam and you could actually start your own business using this model.

My biggest concern would be the profit potential. I really don’t think there would be a huge amount of money to be made with this.

I just think that there are far better options if you’re willing to do some work.


A Better Option

Personally I think blogging is the best way to make money online even for complete beginners.

You probably think that you need to be a great writer or a computer whiz to figure out how to make money from a blog but that’s not actually true anymore.

There are some really great training platforms out there that teach beginners how to do this.

The first one I would recommend trying is this one because they actually let you try it out and take 10 courses for free just to see if you like it.

So that’s it for today.

Thanks very much for stopping by and please don’t hesitate to leave me questions or comments using the box below.

I always respond ASAP.



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