Million Dollar Year

Million Dollar Year is a 12-month financial education and group coaching program from Dow Janes for women+ who want a structured way to work on budgeting, debt, saving, investing and long-term financial planning.

The program combines self-paced financial education with practical tools, financial-coach office hours, expert-led workshops and an online community. Its central framework moves through three stages: building a financial foundation, putting money-saving systems in place, and learning how to invest and grow wealth.

The course is designed so that participants can work through the curriculum at their own pace while using the full year for practice, support and implementation.

What You’ll Learn

Million Dollar Year covers practical personal-finance skills such as:

• Building a regular system for reviewing and managing your finances
• Setting financial goals and connecting spending decisions with your priorities
• Creating savings systems and preparing for financial emergencies
• Understanding debt and developing a debt-payoff approach
• Tracking your financial position and building greater financial clarity
• Learning the fundamentals of investing and risk
• Preparing for retirement
• Developing healthier financial habits and a more intentional relationship with money
• Using spreadsheets, templates, calculators and other financial tools
• Applying financial education to situations such as business finances, student loans and managing money as a couple

How the Million Dollar Method Works

The program is organized around three major stages rather than treating budgeting, saving and investing as unrelated subjects.

1. Build a Financial Foundation

The first stage focuses on establishing a clearer picture of your finances and developing a regular money-management practice.

A key part of this stage is the Weekly Money Ritual, which provides a recurring structure for reviewing your finances and working on your financial goals.

2. Create Money-Saving Systems

The second stage focuses on turning financial goals into practical systems.

The Aligned Money Method is used to connect financial goals with spending choices and personal values. The program also provides tools and resources intended to make budgeting and saving more systematic.

3. Invest and Grow Your Money

The final stage introduces investing and longer-term wealth building.

The curriculum addresses why and how to invest, along with approaches to understanding and managing investment risk. Retirement planning and building financial stability are also part of the broader program.

Core Financial Topics

Budgeting and Money Management

Million Dollar Year starts with the fundamentals of understanding your financial situation.

The program provides educational material and practical resources for working with your finances, including budgeting documents, spreadsheets, templates and calculators. This makes the financial work more concrete than simply learning financial terminology.

Debt Payoff

Debt is one of the major areas addressed by the program.

The curriculum includes financial education around paying off debt, while additional resources in the Training Vault cover subjects such as student-loan repayment.

Saving and Financial Goals

The program also focuses on creating systems for saving rather than treating saving as an occasional activity.

Its framework connects financial goals with spending decisions and provides tools to help participants organize their money-management process.

Retirement Planning and Investing

Million Dollar Year goes beyond immediate budgeting and debt management to introduce longer-term financial planning.

Participants learn about investing and how it can fit into a broader wealth-building strategy. The program specifically addresses investment risk as part of its investing education.

Money Habits and Financial Mindset

Financial education in the program also includes the behavioral side of money management.

The curriculum incorporates financial habits, planning and mindset alongside practical financial tools. This makes the program relevant for someone who wants to develop a repeatable approach to managing money rather than focusing only on individual financial calculations.

What’s Included

The Million Dollar Year program includes:

• Step-by-step financial education video training
• Workbooks, templates, tools and spreadsheets
• Lifetime access to the online course
• A Training Vault containing 30+ additional courses
• Drop-in office hours with financial coaches
• Monthly expert-led workshops
• A 24/7 online community

The additional Training Vault includes subjects such as managing finances with a partner, preparing financially for divorce and paying off student loans. The monthly workshops can cover topics including business finances, real estate investing and negotiating a raise.

Coaching, Workshops and Community

One of the distinguishing features of Million Dollar Year is that the program is not limited to self-paced course material.

Participants can use drop-in office hours with financial coaches for additional support. Monthly expert-led workshops provide further education on specific financial topics, while the 24/7 online community provides a place to share progress and interact with other members.

The combination gives participants several ways to engage with the program: work through the core curriculum independently, attend support sessions and workshops, and use the community alongside their financial work.

Who Is Million Dollar Year For?

Million Dollar Year is designed for women+ interested in improving their financial knowledge and money-management systems. It is also positioned as suitable for beginners, including people who have never used budgeting tools or opened an investment account.

The program may be particularly relevant if you:

• Want a structured introduction to personal finance
• Need to organize your budgeting and saving systems
• Are working toward paying down debt
• Want to establish stronger financial habits
• Are beginning to learn about investing
• Want to understand retirement planning
• Prefer learning with access to coaching and a financial community
• Have an irregular income or self-employed financial situation
• Want additional resources for areas such as student loans, business finances or managing money with a partner

The program also addresses financial situations that can require more specialized planning, including divorce and finances for people with inconsistent income.

Program Length and Learning Pace

Million Dollar Year is structured as a 12-month program, but the educational material is self-paced. Participants do not have to complete the curriculum at a fixed weekly rate; the program allows them to move faster or take more time with the material.

Dow Janes recommends dedicating at least one hour per week to the program. Its guidance suggests two to three hours per week for participants who want to devote additional time to the curriculum, personal financial work and office hours.

Course Information

Frequently Asked Questions

What is Million Dollar Year?

Million Dollar Year is a 12-month financial education and group coaching program from Dow Janes. It covers financial foundations, saving systems, debt, investing and longer-term wealth building.

Is Million Dollar Year suitable for beginners?

Yes. The program specifically welcomes beginners, including people who have little experience with budgeting tools or investing.

How long does Million Dollar Year last?

The program is structured over 12 months, although the course material itself is self-paced.

Does the program cover debt?

Yes. Debt repayment is part of the financial curriculum, and the Training Vault also contains additional education on paying off student loans.

Does Million Dollar Year teach investing?

Yes. The program includes education on why and how to invest, investment risk and the role of investing in building wealth and financial stability.

Does the program include coaching?

Yes. Participants receive access to drop-in office hours with financial coaches, monthly expert-led workshops and a 24/7 online community.

Do I get access to the course after the program?

The online course includes lifetime access. The program itself is structured as a 12-month experience with coaching, workshops and community participation.

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