Dividend Machine – Bill Spetrino Review (2023 Update): Everything You Wanted To Know!

By: Brittney

Welcome to my Dividend Machine review. My goal is to help you understand what the program is all about, how much it costs, if it’s a good use of your time, your money, and much more! It should be less than 10 minutes start to finish, so let’s dive in!
This Dividend Machine review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

The Good Stuff

Great Features
Dividends are less risky than stocks
Full refund policy

The Bad Stuff

Lots of complaints
The free trial isn’t entirely free
$99.00 per year seems a bit pricey.

Firstly, Why Am I Writing This Review?

Nice to meet you, my name is Brittney!

My story starts  like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job. 

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

my concrete site

The image above shows an example. This mini website brings me in around $1,250 every single month, and I haven’t touched it in over 2 years.

That’s $15,000 per year in my pocket without having to really do anything.

Just helping small mom-and-pop shops keep their lights on and grow.

So it makes sense why local lead generation is my top online business for passive income. If you’re curious how that business model works, you can read more here.

NOTE: I DO NOT WORK WITH​ Dividend Machine

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the  program that the review is about!

I have absolutely no relationship with Dividend Machine, so you can rest easy knowing that I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

Dividend Machine Bill Spetrino Review

Large multinational corporations in the “boring” industries such as consumer goods, pharmaceutical, retail, and financial services make up the Dividend Machine’s stock portfolio.

The companies they invest in must have well-known brands, strong financials, and a substantial amount of cash, all of which are necessary for thriving in marketplaces that may be tricky to access.

There is no doubt about that. Instead of experiencing ups and downs like other newsletter services, Bill Spetrino has maintained an upward trend.

Many of his readers now have their own Dividend Machine, and he takes great pride in the fact that his work has helped thousands of people build a long-term, solid, and secure financial future.

If you have any interest in investing in The Dividend Machine, you may read on in this review.

You probably discovered Dividend Machine for the same reason you might have come across any other financial newsletter, stock trading service, or investment program:

Because you want more money in less time.

And chances are, you want to quickly multiply the money you do have (as opposed to waiting months or even years to see a decent ROI).

This is a really exciting promise, and it’s probably why the financial publishing and training industry is worth billions of dollars.

The problem is, because the idea of doubling, tripling, or 10X-ing your money in a few minutes to a few days is so enticing, there are a ton of shady characters in this space.

But, putting that aside, let’s say every investing guru and “trading expert” on the internet had the best of intentions.

Even with proprietary algorithms, a room full of supercomputers, and a team of rocket scientists, most of these experts would be lucky to get it right 20% of the time.

Now sure, we’re talking about asymmetric bets here, so theoretically the winners should more than make up for the losers.

But in order to make that happen, you can NEVER miss a trade. With a 20% success rate (speaking optimistically), one missed winner could turn a profitable month into a loser.

That’s a lot of pressure and a lot of stress (not to mention a lot of losing) with not much certainty.

But what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Constantly monitoring your phone for buy/sell alerts
  • Obsessively watching charts and movement
  • The emotional roller coaster and angst of hoping one winner can cover the last 8 losses
  • Gambler’s odds (20% chance of success is worse than the odds of winning at Blackjack

An income stream that brings in consistent revenues every single month (from a couple of thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day monitoring charts, trades, and alerts?


If that sounds like something you’d be interested in, check out Digital Real Estate. 

However, if you’d still like to know more about Dividend Machine, keep reading.

The Dividend Machine Features – Investment Portfolio

The Dividend Machine Features

Your involvement in The Dividend Machine newsletter as a subscriber makes you a partner with Bill. It grants you access to all of his rights.

  • Monthly Investment Newsletter
  • Weekly Updates
  • Podcasts
  • Portfolios
  • Special Reports
  • Dedicated Customer Service Team

Who Is Bill Spetrino? Dividend Machine Reviews

Who Is Bill Spetrino

Bill Spetrino wrote the Great American Dividend Machine to educate as many people as possible about investing.

He retired at 42 after constructing the Dividend Machine for himself.

At that early age, he could practically walk away from my 9-5 job and live happily on the money from his investments.

So he started The Dividend Machine newsletter to help as many people as possible achieve the same level of freedom.

Bill entered the financial markets to become financially independent. He started working for a small accounting company at 23 after graduating from John Carroll University. “I can’t do this for 45 weeks, let alone 45 years,” he thought after his first day.

He spent the rest of his time trying to figure out how to retire financially independent.

So, back to Bill’s market entry. In the end, he felt it was time to invest on his own. Like many others in his little town, he grew up poor, so he sold his BMW and bought an old beater for $1200.

He used the remaining $8000 from the automobile sale to develop his dividend machine.

He got his dividend checks every 3 months. He kept reinvesting dividends, and when his equities fell in value, he could buy more stocks. He instantly saw how great my dividend machine idea was.

It wasn’t glamorous. Bill’s main goal was to save money while he continued to create His dividend machine. Ultimately, his retirement nest egg enabled him to retire at age 42. His investment philosophy income now covers all of his living costs.

That is his goal for The Dividend Machine email subscribers. The idea is for them to live comfortably off of their investment income. Each month, a conservative investment plan centered on safety, revenue, and growth is developed for subscribers.

They aim to achieve a compounded yearly dividend return of 10% or greater.

Bill believes they have had some success. Furthermore, Hulbert Financial Digest, a well-known expert, dubbed The Dividend Machine newsletter the industry’s #1 low-risk newsletter.

This honor demonstrates Bill’s commitment to making The Dividend Machine an effective newsletter resource for the average investor and value investing.

More About The Dividend Machine of Bill Spetrino

More About The Dividend Machine of Bill Spetrino

Subscribe to The Dividend Machine at DividendMachine.com, a resource for dividend stock investors. It was designed to assist individuals in understanding dividend stocks and how they produce high returns.

The Great American Dividend Machine’s author, Bill Spetrino, has a background in accounting (was just an ordinary accountant), teaching, and financial advising.

He describes his achievement as having established a portfolio of dividend stock investing that produces money yearly, adopting a long-term investment approach rather than a fast gain, short-term investment. He kept his investments boring tho fruitful.

According to Newsmax, Bill Spetrino believes that to achieve absolute financial security must be complemented by the potential to generate a consistent stream of income at the same time. Unlike traditional deposits, dividend shares can be sold at any time.

There is also information on how to make tax-free income by investing in municipal bonds.

Dividends are less hazardous than stock appreciation investments, according to The Dividend Machine.

The latter is subject to bigger losses and the possibility of no future recovery, particularly if the investor or subscriber is compelled to sell the shares.

Dividend Machine Portfolio Subscription

Dividend Machine Portfolio Subscription

You will get $350.00 in resources by subscribing to Bill Spetrino’s financial guides for the affordable yearly subscription of $99.00.

This membership includes 12 months of financial newsletters, a copy of his study “World’s Greatest Dividend Stock,” and complete access to an archived data investment strategy, investment possibilities, and investment portfolios library.

On their website, you can join up for a risk-free four-month trial subscription to The Dividend Machine.

However, a $1.00 commitment charge can be paid with a credit card. Furthermore, if you cancel within 60 days, you may receive a full refund.

Dividend Machine Complaints

Online complaints have been raised concerning the specific deceptive terminology utilized in the risk-free trial. Subscribers who attempted to cancel experienced the same issue; each received charges on their credit cards after canceling their membership.

In reality, several of these persons reported to lose money and were charged with numerous offenses for no reason.

The first $1.00 subscription fee is a questionable business practice at work. Online reviews speculate about collecting credit card details to make unlawful and unjustifiable purchases.

Overall, paying for newsletters is uncommon, especially when the cost is considerable; $99.00 per year appears to be a bit excessive.

The free trial isn’t free if a $1.00 payment is necessary to enroll; needing a $1.00 credit card payment seems weird and isn’t common practice, mainly because retailers charge fees for credit card processing.

The Dividend Machine – Contact Us.

  • Customer Service Phone: 1-800-485-4350
  • Customer Service Hours:
  • Monday thru Friday, 8:30am to 10pm (Eastern);
  • Saturday and Sunday, 8:30am to 5:00pm (Eastern)
  • Customer Service Email: dividendmachine@newsmax.com
  • Mailing Address: P.O. Box 20989, West Palm Beach, Florida, 33416

Is Dividend Machine A Scam?

Is it a scam?

So, is Dividend Machine a scam? Not technically. You can make money with it, but it’s definitely not as easy as Bill Spetrino makes it sound.

Again, with any kind of financial product (especially trading), you’re taking on a lot of risk.

Sure, you could hit it big and retire in Italy, but chances are you need the stomach and financial cushion to weather tons of losses before you get there…and it may never happen.

Most of the big gains numbers these companies use in their marketing (“xyz grew by 4,112% in 3 months” or “this option made 324% in just 2 days”) are cherry-picked.

They don’t tell you about the 10 100% losers that came before.

In other words, if you invested $100 into 11 recommendations, you’d lose $1,000, and make back $324…so you’d still be out almost $700.

Most people don’t have the fortitude to stick it out through 3 straight months of losers in the hopes of landing one big winner.

What if, instead, you took those same 3 months, invested just a couple hours a day (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To Dividend Machine?

are there alternatives

Yes, there are plenty of other business models to choose from if you want to pursue making money online.  Here are just a few:

What Is My Top Recommendation In Making Money Online In 2022?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1. It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2. You Own & Control EVERYTHING: With anything in the financial markets, you own and control NOTHING. You have no say in price fluctuations, demand, or what the market will do.

Trying to beat the market is fighting against the tide. There’s just too much working against you, no matter how many supercomputers or rocket scientists are on your side.

With Digital Real Estate, you own the assets, which means you have all the power and all the control.


3. Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.


Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


1. Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with any kind of trading or investing, you’d have to double your initial capital OR double the average order size of your existing trades. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


2. Make Money Helping Real People: This part is what makes it all worth it. In the financial markets, you might be helping your family, but the impact never goes beyond you and maybe a few others.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at opportunities like Dividend Machine which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

Table of Contents

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!