Last Updated: August 8, 2026
This page explains when you can get your money back, and how to ask.
If you joined a program before this date, the refund terms you agreed to then still cover your program.
Memoirs to Millions is run by Life-Changing Wisdom Marketplace LLC, a Wyoming company that operates from Bridgeport, Connecticut.
Mailing address: 1019 Main St, PMB 1033, Bridgeport, CT 06604 Email: support@memoirstomillions.com
You do not buy these programs from a shopping cart. You tell us you are interested, Asher reaches out and talks with you, and if it is a fit he sends you the offer himself. You join by accepting that offer and paying in full.
That conversation happens before any money changes hands. By the time you pay, you know what the program is, what your date is, and what you are committing to.
Two things follow from that, and they shape this whole page.
Your refund window starts the day you pay. Not the day you filled out the form, and not the day you first spoke with Asher.
You can ask for a refund by replying to Asher. He wrote to you personally, so you can answer that same email. There is no support form to hunt for.
The same window applies to all three programs.
You can request a refund within 14 days of paying, and before your first session, whichever comes first.
After that, the payment is final.
An approved refund comes back to you minus a handling fee:
| Program | Price | Handling fee | You receive |
|---|---|---|---|
| The Ontology Project | $2,500 | $100 | $2,400 |
| Write Your Own, Together | $5,000 | $175 | $4,825 |
| One-on-One With Asher | $15,000 | $500 | $14,500 |
These amounts apply to payments made by card. If you paid by wire transfer, see "How the money moves" below.
When you pay, our payment company charges us a fee to process it. When we refund you, they keep that fee. It does not come back to us.
The handling fee covers what we were charged. We are not making money on it, and we are not paying it out of pocket either.
Here is the honest version: a commitment costs something. Backing out of one costs something too. The handling fee is that cost, and you know the number before you pay.
Once the work starts, we have set aside time for your book.
For One-on-One, Asher clears real hours on his calendar and turns down other work to take you on.
For Write Your Own, Together, you have a seat in a group that meets on a schedule.
For The Ontology Project, you have a part in a book. You worked out your own thesis with Asher's help, and the group started building the book around the parts each writer claimed.
The book still gets written.
We build these groups with room to spare. If a writer withdraws inside their window, the remaining writers keep their parts and the book goes forward on its date.
Your royalty share is set in writing before anyone writes a word. If the group ends up smaller than planned, the shares are recalculated across the writers who are in the book, and we tell you the numbers before publication.
If we cancel your program, or something happens on our end and we cannot run it, you get everything back. The full amount, including the handling fee, with no time limit.
You do not carry the cost of a program we could not deliver.
We want this part to be plain, because money moving between three parties is where people get confused.
Your money went to us through Stripe, our payment company. An approved refund goes back the same way, to the card or account you paid with, minus the handling fee. It usually appears in five to ten business days, depending on your bank.
Simple: you paid us, we pay you back, less the fee.
Some larger engagements are paid by wire rather than by card. A wire costs us nothing to receive, so there is no processing fee to recover.
An approved refund is returned to the account it came from, minus the cost our bank charges to send it. That fee is small, and we tell you the exact amount before we process the refund. Nothing else is deducted.
Some people pay through a financing company such as Klarna. There is a third party in the middle now, so here is the whole path.
When you pay. The financing company pays us the full amount right away. We are paid in full on day one. You then owe the financing company, on the schedule you agreed with them. We are out of that part entirely.
When you get a refund. We send the refund to the financing company, because that is who paid us. They apply it to what you still owe them. If the refund is larger than your remaining balance, they return the difference to your card.
Here is what that looks like with real numbers.
Say you financed the $15,000 program and have paid the financing company $3,750 when you ask for a refund on day ten.
We refund $14,500, keeping the $500 handling fee. That $14,500 goes to the financing company. You still owed them $11,250, so the refund clears that balance and the extra $3,250 goes back to your card.
You paid $3,750. You got $3,250 back. Your cost was $500, the handling fee.
The rule underneath the math. Your cost is the handling fee, whichever way the numbers fall. If you had paid the financing company less than the handling fee when the refund went through, you would still owe them the difference instead of getting money back. Either way, the amount you are out is the handling fee and nothing beyond it.
Your agreement with the financing company is still your agreement with them. Questions about your specific installment schedule go to them.
This policy covers our individual programs. An Organization Memoir is commissioned work with its own payment schedule and its own cancellation terms, set out in the Organization Memoir Agreement.
Refunds follow the window above. They are not based on how your book sells, how it is received, or whether you finish it. Our Terms of Service explain what we do and do not promise.
If your place in a program ends because of how you treated other writers or our team, no refund is given. That rule is in Section 9 of our Terms of Service.
If a charge looks wrong, email support@memoirstomillions.com, or reply to Asher if that is how the two of you have been talking. Most of these get sorted out in a day.
Here is what happens if you go to your bank first. The bank freezes the disputed charge and opens an investigation, and that process runs for weeks. While it runs, your work with us pauses, because the payment for it is in dispute. That delay does not help either of us, and a conversation usually resolves the thing faster than the bank can.
If we believe a chargeback is not valid, we respond to the bank with our records of the work delivered.
Either way works.
We answer refund requests within three business days. Once approved, the money goes back the way described above under "How the money moves."
Your records. We keep payment and refund records for seven years, because tax law requires it.
California residents. You have rights under the California Consumer Privacy Act over the information we hold about you, including refund records. We do not sell your information. Our Privacy Policy explains how to ask.
Age. Our programs are for adults, eighteen and over.
If we disagree. Please contact us first. If we cannot work it out, a dispute goes to the courts in Connecticut, as described in our Terms of Service.
Which state's law applies. Connecticut law governs this policy.
Memoirs to Millions (M2M) support@memoirstomillions.com · memoirstomillions.com
Life-Changing Wisdom Marketplace (LCWM) team@lifechangingwisdom.com · lifechangingwisdom.com
Mail, for either one Life-Changing Wisdom Marketplace LLC 1019 Main St, PMB 1033 Bridgeport, CT 06604