Dow Janes – Million Dollar Year Index Review in 2026

Dow Janes Courses Index Review 2026
A full breakdown of every lesson inside Million Dollar Year — 219 videos, nearly 100 hours of training, a 12-step core program, and two full bonus courses — before you buy it through Courses On Budget.

Dow Janes – Million Dollar Year Index Review in 2026

~100 hours of training · 219 videos · 12-step core system · 2 bonus mini-courses · 16-topic Training Vault

Most “finance courses” are two or three hours of theory dressed up as a transformation. Million Dollar Year by Dow Janes is the opposite problem — it’s so complete that the real question isn’t “is there enough here,” it’s “where do I start.” After indexing all 219 videos for this review, the honest number is nearly 100 hours of training across a 12-step core program, two full bonus courses, and a 16-topic reference vault. This review breaks down exactly what’s in each piece, how the 12 steps are sequenced, who genuinely benefits, and where to preview a lesson for free before buying.

Four Programs in One Download

The core is the 12-step system: Commit, Heal, Ground, Aim, Save, Design Budget, Enjoy, Protect, Borrow, Plan, Invest, Give — each step has its own set of videos, a workbook, and in several cases a ready-made spreadsheet (financial dashboards, auto-save trackers, budget templates). Layered on top of that core: the 1000 Month mini-course (a full side-income system with its own 4 modules), a dedicated Clear Your Credit Card Debt program built around a 7-step payoff method, and a Training Vault — 16 separate topics from investing and estate planning to negotiating scripts and tax season, most of them long-form masterclasses rather than quick tips.

A Full System vs. Piecemeal Advice

What you need	Free budgeting blogs	$3,000+/year private financial coach	Million Dollar Year
Sequential, 12-step framework	✗ Scattered posts	△ Depends on the coach	✓ Commit → Give, in order
Ready-made spreadsheets included	✗	△ Sometimes, extra fee	✓ Financial dashboards, budgets, trackers
Debt payoff + side-income bonus systems	✗	△ Separate engagement, extra cost	✓ Both included, no extra fee
Cost	Free but fragmented	$3,000+ / year	One-time, active coupons available

Preview the format

The product page includes a free sample lesson before you commit to the full system.

Check active coupons

See what’s currently active on the Coupons page before checkout.

Instant download

All 219 files across the core program, bonuses and Training Vault delivered at once.

Work the 12 steps in order

Then dip into the Training Vault by topic whenever a specific question comes up.

Million Dollar Year — Full Video Index

Below is the complete, verified lesson index — every video across the core program, bonus courses and Training Vault, grouped and nested by topic, with runtime. Want to see the teaching format first? The product page for Million Dollar Year includes a free sample lesson you can watch before deciding.

📂 Start Here — 1h 22m (11 lessons)

Welcome — 2m 20s
Join a Launch Call — 1m 51s
Navigate the Course Platform — 4m 11s
Activate Money Circle — 2m 15s
Money Circle Call Overview — 5m 36s
Flag Planting- Saving — 1m 33s
Flag Planting- Investing — 1m 46s
Invest with Me Live – Tutorial Kajabi — 50m 48s
How to Get the Most Out of Million Dollar Year — 6m 46s
Optional Apply to Join the Accelerator — 4m 22s
Start the Million Dollar Year — 0m 36s

📂 The 12-Step Core Program (Million Dollar Year) — 8h 30m (92 lessons)

Step 1- Commit — 27m (10 lessons)

1.0 – Create Save Module Materials — 2m 19s
1.1 – What Commitment Actually Means — 7m 28s
1.2 – Your 5 Reasons — 2m 28s
1.3 – The Weekly Money Ritual — 2m 29s
1.4 – Make it Enjoyable — 1m 49s
1.5 – Build in Accountability — 2m 07s
1.6 – Quick Win- Review Subscriptions — 1m 53s
1.7 – Future Proof Your Ritual — 3m 18s
1.8 – Building the Ritual Habit — 2m 01s
MDY 2.0 – Step 1 Commit – 1.8 How to use the Weekly Money Ritual form — 1m 29s

Step 2- Heal — 43m (11 lessons)

2.1 – Money Relationships — 7m 51s
2.2 – Getting Set Up — 3m 06s
2.3 – Your Money Associations — 3m 25s
2.4 – Your Money Identity — 2m 51s
2.5 – Your Money Emotions — 2m 00s
2.7 – Dear Money — 2m 10s
2.8 – Take a Breath — 3m 27s
2.9 – The Contract — 2m 09s
2.10 – Create Your Money Persona — 5m 44s
2.11 – How Identity Gets Created — 7m 29s
2.12 – Ongoing – Healing — 3m 10s

Step 3- Ground — 1h 1m (10 lessons)

3.0 – Financial Clarity — 8m 20s
3.1 – Intro to Tracking — 2m 47s
3.2 – Getting Started with Tracking — 2m 48s
3.3 – Financial Dashboard Setup — 6m 38s
3.4 – Start Tracking — 7m 19s
3.5 – Credit Card Tracking — 4m 53s
3.6 – Financial Snapshot — 4m 54s
3.7 – Gather Your Data — 5m 36s
3.10 – Review Your Tracking — 15m 17s
3.11 – Troubleshooting Negative Balances — 2m 50s

Step 4- Aim — 34m (6 lessons)

4.1 – Why Its Important — 3m 19s
4.2 – The Expense Audit — 6m 36s
4.3 – Expense Audit – Lets Do It — 10m 26s
4.5 – Financial Vision — 4m 40s
4.6 – Million Dollar Roadmap — 5m 53s
4.7 – Set Monthly Goals and Targets — 3m 52s

Step 5- Save — 50m (10 lessons)

5.1 – Why Saving Matters — 3m 58s
5.2 – The Power of Compound Interest — 7m 14s
5.3 – What is Auto-Save — 2m 47s
Setting up Automatic Payments on your Credit Card — 4m 02s
What are buckets — 1m 07s
5.5 – Choose Your Auto-Save Account — 4m 01s
5.6 – Choose Your Auto-Save Date — 6m 12s
5.7 – Choose Your Auto-Save Amount — 3m 19s
5.8 – Set Up Your Auto-Save System — 6m 14s
5.9 – Ways to Save Even More — 11m 49s

Step 6- Design Budget — 1h 27m (11 lessons)

6.1 – Budgeting is Amazing — 14m 56s
6.2 – Choose Your Budgeting Solution — 6m 58s
6.3 – Budget Overview — 2m 05s
6.4 – Review Your Categories — 5m 44s
6.5 – Prepare for Future Expenses — 9m 36s
6.6 – Create Your Sample Budget — 7m 15s
6.7 – Create Your First Budget — 9m 15s
6.9 – Daily Budgeting Routine — 3m 21s
6.10 – Weekly Budgeting Routine — 10m 30s
6.11 – Monthly Budgeting Routine — 8m 30s
6.12 – Set Up Next Months Budget — 9m 38s

Step 7- Enjoy — 16m (4 lessons)

7.1 – Introduction — 2m 13s
7.2 – Identify Your Values — 3m 25s
7.3 – Amplify Your Values — 6m 35s
7.4 – Living in Alignment — 4m 08s

Step 8- Protect — 19m (5 lessons)

8.1 – Emergency Funds — 3m 20s
8.2 – How Much Do I Need — 6m 03s
8.4 – How to Ensure Success – Rule 1 — 3m 52s
8.5 – How to Ensure Success – Rule 2 — 3m 40s
8.6 – How to Ensure Success – Rule 3 — 2m 28s

Step 9- Borrow — 1h 11m (7 lessons)

9.1 – Introduction — 3m 12s
9.2 – Good vs Bad Debt — 6m 37s
9.3 – How to Use Debt Responsibly — 22m 59s
9.4 – Your Relationship to Debt — 3m 14s
9.5 – Easily Pay Debt Down Faster — 12m 09s
9.6 – Credit Scores 101 — 11m 00s
9.7 – How to Raise Your Credit Score — 12m 21s

Step 10- Plan — 14m (3 lessons)

10.1 – Preparing for Retirement — 4m 12s
10.2 – How Much Youll Need — 2m 40s
10.3 – How Much to Save — 7m 30s

Step 11- Invest — 1h 8m (10 lessons)

11.1 – Introduction — 1m 27s
11.2 – Adopt an Investors Mindset — 12m 23s
11.3 – When It Makes Sense to Invest — 4m 24s
11.4 – Accounts and Assets — 8m 35s
11.5 – Asset Allocation — 4m 15s
11.6 – Diversification — 4m 05s
11.7 – Single Stocks Funds and Feess — 7m 27s
11.8 – The SIFI Approach to Investing — 6m 57s
11.9 – Create your Investment Plan — 15m 52s
11.10 – Tips for Success — 3m 10s

Step 12- Give — 7m (2 lessons)

12.1 – Why Give — 3m 30s
12.2 – Create Your Philanthropic Plan — 4m 04s

Your Million Dollar Year Recap — 7m (3 lessons)

Recap- Create Save Module Materials — 1m 24s
Update Your Financial Snapshot — 2m 42s
Beyond the Million Dollar Year — 3m 38s

📂 MDY Resources — 2h 54m (21 lessons)

MDY Launch Call — 32m (1 lessons)

MDY Launch Call Recording — 32m 31s

Support Resources — 58m (1 lessons)

Kajabi- FAQs Best Practices Tips — 58m 32s

Google Drive Trainings — 1h 23m (19 lessons)

Google Drive Tutorial — 1m 45s
Google Docs Getting Started — 2m 27s
Google Docs Text Basics — 2m 42s
Using Google Docs on a Mobile Device — 2m 39s
Google Sheets – Tutorial 05 – Automatic Currency Conversion — 5m 47s
Google Sheets Basics Edit Cells — 0m 55s
Google Sheets Beginners Filter 38 — 11m 49s
Google Sheets Creating Simple Formulas — 3m 13s
Google Sheets Formatting Cells — 3m 28s
Google Sheets Getting Started — 2m 34s
Google Sheets Working with Multiple Sheets — 1m 53s
How to use Google Sheets Mobile App – Beginners Guide — 8m 52s
Google Drive Creating Files — 2m 04s
Google Drive Managing Files — 3m 53s
Google Drive Sharing and Collaborating — 3m 18s
Google Sheets Version History — 2m 25s
How to Effectively Search for Files and Folders in Google Drive — 4m 18s
How to use Google Drive – Tutorial for Beginners — 16m 58s
Google Drive – Tutorial 15 – Viewing Recent Files and File According to Size — 2m 03s

📂 Training Vault — 16 Topics — 81h 37m (66 lessons)

2026 Ready — 4h 4m (2 lessons)

Make Your 2026 Money Plan — 2h 01m 52s
Make Your 2026 Money Plan Part 2 — 2h 02m 17s

Business Finances — 3h 38m (2 lessons)

Charge What Youre Worth — 1h 17m 53s
Mastering Business Finances as an Entrepreneur — 2h 20m 37s

Insurance Estate Planning Disability — 3h 41m (3 lessons)

Guide to Income Protection Disability Long Term Care — 47m 37s
Life Insurance as a Financial Tool — 1h 28m 15s
Wills Trusts and Wellness Estate Planning — 1h 25m 45s

Investing — 8h 23m (7 lessons)

Impact Investing Ensure your money works for you – and a better world — 57m 56s
Conscious Investing – Building Wealth While Remaining True to Yourself — 1h 06m 11s
Real Estate Investing — 1h 28m 24s
Socially Responsible Investing Workshop — 1h 14m 44s
Learn what to do with your old 401ks before the end of the year — 1h 05m 17s
Creative Ways to Incorporate Real Estate Investing into your Portfolio — 1h 02m 32s
Real Estate QA — 1h 28m 24s

Kajabi Training — 58m (1 lessons)

Kajabi- FAQs Best Practices Tips — 58m 32s

Money Mindset — 23h 49m (18 lessons)

1 Tool Every School Needs to Teach and Every Child Needs to Know — 15m 32s
Brave Thinking 3 Keys To Achieving Success Living An Extraordinary Life — 58m 15s
Cultivating a Powerful Mindset Shift during your MDY with Coach Kat — 2h 35m 08s
Create and Keep Healthy Money Habits — 1h 30m 48s
Shifting Subconscious Money Blocks — 1h 47m 07s
Uncovering Your Money Story — 1h 08m 41s
Addressing your Financial Fears — 1h 46m 15s
How to Stop Impulse Spending — 1h 29m 35s
Rewire Yourself for Wealth using the Power of Pro EFT Tapping — 1h 31m 23s
Astrology – Money Wealth Worth — 56m 43s
Your Human Design – Align with Your Energy for Greater Flow — 1h 09m 30s
Risk-Taking- What NOT Taking Risks Might Be Costing You — 1h 22m 32s
Conscious Investing – Building Wealth While Remaining True to Yourself — 1h 06m 11s
Managing Finances During Economic Uncertainty — 1h 12m 32s
Fostering Financial Feminism from Within — 1h 03m 59s
Breathwork When Money Work is Overwhelming — 1h 03m 34s
The Psychology Mindset of Debt — 1h 21m 03s
The Psychology Mindset of Debt Round 2 — 1h 30m 20s

Money Relationships Partnership and Divorce — 6h 16m (4 lessons)

Finances in Partnership — 1h 24m 15s
Financial Prowess in Divorce – Before During and After — 1h 33m 19s
Prevent Heal from Financial Abuse — 1h 42m 03s
How to Overcome your Divorce Fears and Avoid Mistakes — 1h 37m 20s

Money Work — 6h 25m (5 lessons)

Charge What Youre Worth — 1h 17m 53s
How to be an Influencer at Work — 45m 58s
Emotional Intelligence Conflict Management at Work — 1h 49m 54s
So You Want to Start a Side Biz but Dont Know Where to Begin. — 1h 11m 30s
What Smart Women Want to Know About Taxes — 1h 20m 07s

Negotiating — 2h 51m (3 lessons)

Professional Confidence Negotiation Skills — 1h 10m 06s
Negotiations 101 Part 1 — 1h 12m 10s
Negotiations 101 Part 2 — 29m 24s

Platform Tutorial Videos — 20m (7 lessons)

How to Buy a Target Retirement Fund on Vanguard — 2m 00s
How to Buy an ETF on Vanguard — 4m 34s
How to Buy Target Date Funds on Fidelity Platform — 3m 33s
How to Find Asset Allocation of a Fund Based on Target Year — 0m 57s
How to Set up an Automatic Investment into a Mutual Fund on Vanguard — 2m 27s
How to Set up an Automatic Investment into an ETF on Vanguard — 4m 00s
How to Set up an Automatic Investment into an ETF or Mutual Fund on Fidelity — 2m 33s

Side Hustles — 3h 7m (2 lessons)

Sell Your Stuff for Cahs — 1h 55m 37s
So You Want to Start a Side Biz but Dont Know Where to Begin — 1h 11m 30s

Spending Habits — 1h 29m (1 lessons)

How to Stop Impulse Spending — 1h 29m 35s

Student Loans College Planning — 6h 21m (5 lessons)

Student Loan Debt Forgiveness — 1h 23m 35s
Pre-College Planning for Your Childrens Education Costs — 1h 23m 41s
Financing or Refinancing Your Education — 52m 04s
Accessing and Maximizing Private non-Federal Financial Aid — 1h 14m 51s
The State of Federal Loans September 2025 — 1h 26m 53s

Taxes — 7h 26m (4 lessons)

End of Year Tax Considerations — 2h 11m 52s
Canadian Investing Taxes — 1h 57m 00s
Addressing Your Financial Fears — 1h 46m 15s
Beyond April- Navigate Your Taxes with Ease — 1h 30m 55s

Wealth Building — 2h 44m (2 lessons)

Wealth Building Roadmap — 1h 35m 09s
Ripple Effects – Money Kids Wealth — 1h 09m 12s

📂 Money Finder Series & The 1000 Month (Bonus Mini-Course) — 4h 8m (19 lessons)

X-Money Finder Series — 1h 55m (1 lessons)

Sell Your Stuff for Cah — 1h 55m 37s

Module 1- Lets Find 1000 — 19m (8 lessons)

How to create a google account — 1m 53s
How to set up google drive for Dow Janes Courses — 2m 05s
Welcome Why — 1m 41s
Your Goal — 2m 38s
Your Power Hour Part 1 — 2m 29s
Your Power Hour Part 2 — 3m 09s
Your Income Tracker — 3m 02s
How to Be Successful — 2m 31s

Rapid Challenge — 3m (1 lessons)

Cancel Subscriptions — 3m 27s

Module 2- Mindset for Success — 5m (1 lessons)

Mindset Shifts — 5m 26s

Module 3- Create Your Income Plan — 21m (3 lessons)

Inventory Filters — 3m 06s
Inventory Tutorial — 10m 26s
Your Income Plan Calculator — 7m 34s

Module 4- Execute — 5m (4 lessons)

Tips for Taking Action — 2m 35s
Tips for Getting Jobs — 1m 34s
Tips for Being Successful — 0m 45s
Heads Up- Taxes and Regulations — 0m 55s

Bonus Content — 1h 17m (1 lessons)

Charge What Youre Worth — 1h 17m 53s

📂 Clear Your Credit Card Debt (Bonus Mini-Course) — 1h 16m (10 lessons)

Start Here — 19m (3 lessons)

How to set up google drive for Dow Janes Courses — 2m 05s
How this Course Works — 3m 08s
Primer How Credit Cards Really Work — 13m 59s

The 7 Step Debt Paydown System — 57m (7 lessons)

Step 1- The Right Mindset — 10m 57s
Step 2- Stop Adding to Your Debt — 2m 32s
Step 3- Negotiate Lower Interest — 2m 10s
Step 4- Build a Buffer — 1m 18s
Step 5- Prioritize Your Debts — 3m 52s
Step 6 Pay Down Your Priority Debt — 16m 27s
Step 7- Reduce Your Debt Burden — 19m 59s

How to Actually Use a Course This Size

With nearly 100 hours of content, trying to “finish” this course like a Netflix series is the wrong approach. The realistic path: work through the 12-step core program in order — that’s roughly 8.5 hours of video and is designed to be paced over weeks, not days, since each step asks you to actually do something (track spending, build a budget, open an account) before moving on. The Training Vault, at over 81 hours, is not meant to be watched linearly — it’s a reference library you return to when a specific topic becomes relevant: taxes in March, negotiating a raise before a review, estate planning after a life change. Treat the two bonus mini-courses (1000 Month and Clear Your Credit Card Debt) as standalone add-ons for whichever problem is most urgent right now.

Who This Course Is For

Anyone starting their financial system from zero — the 12-step sequence assumes no prior structure and builds one from Commit through Invest and Give.
People juggling multiple financial priorities at once (debt, low savings, no investing plan) who want one system instead of three separate courses.
Side-income seekers — the bundled 1000 Month mini-course is a genuinely separate system for finding an extra $1,000 a month.
Not the best fit for someone who just wants a single quick answer — if you only need one specific topic (say, negotiating a salary), the Training Vault section covers it, but buying the whole program for one topic is overkill.

✓ Pros

219 videos, ~100 hours — the most complete finance program in this category
12-step sequence, not a random topic dump
Ready-made spreadsheets: financial dashboards, auto-save trackers, budgets
Two full bonus courses (income + debt payoff) included at no extra cost
Free sample lesson available before buying

✗ Cons

Large scope — best worked through step by step, not binged
Some tutorials assume a Google Drive/Sheets or Kajabi workflow

Active discounts are available on this course right now.

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Final Verdict — Dow Janes: Million Dollar Year Review 2026

Almost 100 hours of training, a 12-step sequence that covers the entire arc from your first budget to giving, and two complete bonus courses thrown in — for a one-time download, this is as close to a full financial-planning practice as a course gets. If you’ve been patching your money habits together from free blog posts and spreadsheet templates, this is the version with a beginning, a middle, and an end. Get instant access, including the free sample lesson, through Courses On Budget.

Browse the category: Self Made Courses

External resource: Investopedia — Personal Finance Basics

Recommended course stack:

Dow Janes — Million Dollar Year
Mike Dillard — Self-Made Man’s Guide to Investing in Crypto Assets
Sara Blakely Teaches Self-Made Entrepreneurship

Dow Janes – Million Dollar Year Index Review in 2026