508 files. A full 12-step money system, a dedicated debt-payoff track, a side-income mini-course, and an entire “Training Vault” of finance masterclasses — Dow Janes’ Million Dollar Year is the single biggest program on Courses On Budget.
Dow Janes – Million Dollar Year — The 12-Step System to Take Control of Your Money
508 files · 12-step core program · 2 bonus mini-courses · 16-topic Training Vault · financial dashboards & workbooks included
Most “finance courses” are a few hours of theory. Million Dollar Year is a full operating system: 12 sequential steps — Commit, Heal, Ground, Aim, Save, Design Budget, Enjoy, Protect, Borrow, Plan, Invest, Give — each with its own workbook, video breakdown, and (where relevant) a ready-made financial dashboard spreadsheet. On top of the core program you get the 1000 Month side-income mini-course, a dedicated Clear Your Credit Card Debt 7-step payoff system, and a 16-topic Training Vault covering everything from investing and estate planning to negotiating and taxes.
This is the flagship pick in Self Made Courses — check the rest of the active lineup on Self Made Courses — Cheap.
A Full System vs. Piecemeal Advice
| What you need | Free budgeting blogs | $3,000+ private financial coach | Million Dollar Year |
| Sequential 12-step framework | ✗ Scattered posts | △ Depends on the coach | ✓ Commit → Give, in order |
| Financial dashboard spreadsheets | ✗ | △ Sometimes, extra fee | ✓ Included (business + personal) |
| Debt payoff system included | ✗ | △ Separate engagement | ✓ 7-Step Debt Paydown built in |
| Cost | Free but fragmented | $3,000+ / year | One-time, instant download |
Here’s What You Get:
You want to feel in control of your money, but often end up stressed and afraid to look at your credit card bills — unsure of where to even begin.
Women are five times more likely to live paycheck to paycheck than men. Why? Because even though women have more financial mobility than any other time in history, our financial education hasn’t caught up.
With Million Dollar Year, you’ll join over 17,000 women+ paying off debt and building wealth faster than they ever imagined possible.
Inside the Program
📂 The 12-Step Core Program
- Step 1 Commit · Step 2 Heal · Step 3 Ground (financial dashboard setup)
- Step 4 Aim · Step 5 Save · Step 6 Design Budget
- Step 7 Enjoy · Step 8 Protect · Step 9 Borrow
- Step 10 Plan · Step 11 Invest · Step 12 Give
- Each step ships with its own workbook (Word + PDF) and video lessons; the Recap module ties it all together
📂 Bonus Mini-Course — The 1000 Month
- Module 1: Let’s Find $1,000 + Rapid Challenge
- Module 2: Mindset for Success
- Module 3: Create Your Income Plan (with Income Plan Calculator)
- Module 4: Execute + Bonus Content
📂 Bonus Mini-Course — Clear Your Credit Card Debt
- Start Here: how credit cards actually work
- The 7-Step Debt Paydown System, start to finish
📂 Training Vault — 16 Topics
- 2026 Ready · Business Finances · Insurance, Estate Planning & Disability
- Investing · Money Mindset · Money Relationships, Partnership & Divorce
- Money Work · Negotiating · Platform Tutorial Videos
- Scripts for Tricky Situations · Side Hustles · Spending Habits
- Student Loans & College Planning · Taxes · Wealth Building
📂 Money Finder Series & Resources
- Weekly Money Ritual guide
- Money Finder Series: sell-your-stuff walkthroughs, detailed expense audit
- MDY Resources: launch call recording, referral guide, support resources, Google Drive/Sheets tutorials
- 508 files — 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
- Large scope — best worked through step by step, not binged in one sitting
- Some tutorials assume a Google Drive/Sheets or Kajabi workflow
Pair the investing steps here with Mike Dillard — The Self-Made Man’s Guide to Investing in Crypto Assets, study how self-made wealth scales into a business with Sara Blakely Teaches Self-Made Entrepreneurship, or lock in the execution habits with Darren Hardy — Insane Productivity.
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