Money Down The Toilet is a digital course that takes a very unique approach to teaching beginner entrepreneurs what not to do if they want to succeed with online business, investing, or side hustles. It claims to offer a fresh perspective by focusing not on success stories but on the most common ways people waste money, time, and effort chasing online riches. The course was created in 2024 and is marketed heavily to beginners and anyone frustrated by typical get-rich-quick programs.
Here’s how I’d rate Money Down The Toilet at a glance, before sharing my own detailed experience and review.
Course Name: Money Down The Toilet
Website URL: moneydownthetoiletcourse.com
Price: $9.99 one-time purchase
Creator: "PJ" (no last name or high-profile credentials)
Community: Private Facebook group, approx. 1,000 members
Overall Rating: 2.8/5
Trust Pilot Consumer Rating: Not available as of June 2024
Practical Value: 2/5
Customer Support: 2/5
Actionable Training: 1/5 (current for 2024 beginner guidance)
Refund Policy: 30 days, not strictly enforced
Free Sample: NO, but there is a short free promotional video
What Money Down The Toilet Promises
The main pitch behind Money Down The Toilet is that it will save you from repeating the most expensive mistakes people make trying to earn money online. The marketing material is all about avoiding scams, empty promises, and time-wasting approaches. It covers classic blunders, from falling for fake gurus to buying pointless upgrades and overspending on unnecessary tools. The entire course is positioned like a warning sign: “Don’t flush your cash!”
I noticed the sales page repeatedly uses humor and a sarcastic tone, almost laughing along with you as you look back at the money you might have already wasted. While this tone stands out in a marketplace full of hype, the "reverse advice" approach is both its strength and its main weakness.
About the Creator
Money Down The Toilet is created by someone who goes just by "PJ." There’s no detailed professional background listed, just a vague story about having lost a lot of money on "bad online advice" and then wanting to warn others. "PJ" claims to have tried dozens of businessbuilding products, online courses, and software, and says he lost thousands before finally making anything back online.
There’s no way to directly contact PJ outside of the course platform, and no evidence he has ever run a successful business. The creator is active in the private Facebook group, occasionally answering questions, mostly in a jokey style. This project feels and reads like something created by a real person who is fed up and wanted to vent their frustrations, but I didn’t see any signs of expertlevel credentials or proven business track record.
What’s Included When You Buy
Upon purchase, you get instant access to:
- 5 video modules (total of about 50 minutes content)
- One downloadable PDF checklist listing all the “Top 21 Ways People Lose Money Online”
- Access to a semiactive Facebook group
- No quizzes, homework, or coaching
The platform is basic. You get a set of video links and the PDF, with advice presented in a "don’t do this, don’t do that" format. There aren’t any actionable tutorials or interactive lessons. No software, no updates promised.
The Teaching Style and Approach
Money Down The Toilet uses a highly sarcastic, sometimes almost cynical tone. Each video walks through different scenarios where beginners might flush their money away by:
- Buying “secret software” that does everything for you
- Paying for “high ticket coaching” with no refund policy
- Falling for YouTube ads promising thousands “by next week”
- Joining crypto or NFT pump-and-dump telegrams
- Buying reseller licenses for unproven products
- Overinvesting in shiny new online store tools before getting a single sale
Each module gives examples of these mistakes, often using real sales page screenshots and reviews scraped from scam report websites. The material is clear about what’s risky, but then stops abruptly after telling you what not to do.
What You Actually Learn
The biggest thing you get from this course is a sense of what traps to avoid as a beginner. I could relate to a lot of the examples right away—I’ve definitely spent money on products that sounded too good to be true, only to end up disappointed.
Examples from the course include:
- Case Study: "Tim" spends $2,000 on a drop shipping coaching program, gets zero customers, and never receives customer support
- Warning: Paying $49.99 for an AI writing tool that promises “guaranteed top Google rankings,” only to end up with generic, unreadable content
- Interview (audio only): Buyer who lost $500 on “Bitcoin doubling” schemes advertised on Instagram
Each story is told very simply, with no effort to sugarcoat the losses or pretend things worked out. If you’ve ever felt frustrated by online moneymaking advice, these examples make you feel seen. I found this very relatable, since I’ve been burned by some of the same tactics in the past.
Where The Course Doesn’t Measure Up
The most noticeable limitation is that, after a long list of “don’ts,” there are almost no concrete “do’s.” There’s little in the way of positive guidance, proven step by step actions, or real businessbuilding advice. The course hardly covers any topics like:
- How to research real online opportunities
- How to spot honest tutorials or ethical business courses
- Specific steps to take after avoiding scams
- Legitimate tools or safe starting points for new entrepreneurs
- Where to find free learning resources
After every warning, I found myself asking, “Okay, but what should I actually do?” The course never really moves into the next part, where you learn how to make actual progress or take real action. This feels like a big missed opportunity, since most beginners not only want to avoid scams but also want a helping hand toward something that might work.
What Stood Out To Me In The Content
The humor and real life examples are engaging, and the course is not at all boring. In some ways, listening to all the “fail stories” was a little like virtual group therapy for burntout beginners. It’s a reminder that almost everyone wastes money early on, so at least you don’t feel alone.
I appreciated the checklist that summarizes the biggest categories of wasted money. Items included:
- “Guru” webinar timeshares for $997+
- Subscription tools that autorenew every month when you forget
- Expensive ad campaigns set up without testing
- Buying bulk traffic from questionable marketing email lists
- Spending on graphics and tools for a website with no audience
Some parts hit so close to home that I had to laugh at my own past mistakes. Having this list in one place is handy, especially if you’re about to sign up for something you’re not sure about. Still, the advice never tells you how to move past these risks toward a real plan.
What Topics the Course Completely Leaves Out
It’s really important to note what Money Down The Toilet does not teach:
- No methods for earning your first dollar online
- No website building basics or content marketing advice
- No practical side hustles or real job options are recommended
- No checklists for moving forward after you avoid a scam
- No interviews or case studies about success stories
- No positive role models or mentorship guidance
If you came here looking for a blueprint or road map, this course does not deliver. Many reviews online have voiced the same feedback. Learning what not to do is helpful as a first step, but this alone will not get you far.
Community and Peer Support
There is a private Facebook group for buyers, which has about 1,000 members as of this writing. The group is casual, mostly with people sharing stories about their own "money down the toilet" moments. Occasionally, someone asks for advice about a specific offer or a new tool that just became popular. Replies tend to be friendly, with lots of “I tried that too!” or “Don’t fall for it!”
PJ, the creator, sometimes joins the conversation. However, there are no regular Q&A sessions, no premium forums, and the group isn’t super active. The main benefit is that you don’t feel alone, and you can quickly get feedback if you’re considering joining a program and want quick redflag checks from others who have seen similar offers.
Also Read: How To Increase Productivity When Working From Home
Platform Usability and Course Materials
The Money Down The Toilet platform is basic but easy to use. It’s a straightforward login page and a single dashboard showing the video links and download for the PDF. Navigating is simple, with no extra features or bonus content unlocked over time. Videos play inbrowser, and all files are downloadable. There are no mobile apps or extra bells and whistles.
This simplicity works well for beginners who get easily overwhelmed by complex dashboards. However, for anyone who expects a professional, interactive course experience, the platform may feel a little barebones compared to typical online learning platforms.
Does Money Down The Toilet Deliver On Its Promise?
The big selling point is that this course will “save you from wasting more money.” I agree, for a complete beginner, watching these warnings and stories could remind you to be more careful before buying into online hype. If you’re about to spend hundreds or thousands of dollars on a coaching program or shiny new software, watching these videos and reading the checklist might help you pause and research more carefully.
Unfortunately, that’s as far as it goes. The course doesn’t guide you toward what to do next, how to do research, or how to spot genuine steps forward. For a price of $9.99, this is disappointing but isn’t a huge loss, especially since you are warned about a lot of common scams. I can see some value for newcomers, but anyone looking for real skills or a path to income will be left wanting.
Is There Any Actual Training or Just Warnings?
The core of the course is just warnings and examples. You are told numerous ways people lose money, some of the worst ad campaigns to avoid, and which types of "secret systems" or "make money in your sleep" tactics never work. This is not the same as actionable steps. One positive is that you may pick up the habit of researching refund policies and checking real reviews before buying new products. Besides that, there’s little direct teaching of skills involved.
If you compare this to an actual business education course (even a simple one), there is no comparison. Money Down The Toilet feels more like a guided rant than a learning adventure. Some might appreciate this, especially if they are highly skeptical by nature.
Good Points I Noticed
Some actual benefits you might get from Money Down The Toilet:
- Avoiding the worst "money drain" traps in your first year online
- Sarcastic humor that makes you feel less alone in losing money
- Practical red flags for recognizing scammy offers
- Motivation to ask more questions before committing money
- Getting a cheap reminder to review refund policies and Google for scam reports
If you’re brand new and want a quick, lighthearted warning, the course might spare you a few mistakes. I wish this kind of list was included in many more expensive courses upfront.
Things That Disappointed Me
The biggest letdowns in Money Down The Toilet are:
- No actionable business guidance or step by step path forward
- No links to trustworthy resources or better training
- No expert interviews or insight from people who have succeeded
- Tons of criticism, but almost zero positive examples
- Customer support is slow, replies by email only, and the group is not very active
The creator, PJ, seems well intentioned but doesn’t provide ongoing mentorship, curated starter kits, or even book recommendations. The course feels like a "here’s your download, good luck" kind of product. If you are serious about growing a side hustle or online business, this type of "negative only" content is not enough. I kept finding myself wishing there was even a small section about what does work, how to research well, or at least some tips on safe next steps.
Comparing To Other Beginner Courses
When compared to real beginner courses, such as basic affiliate marketing, ecommerce, or gig economy guides, Money Down The Toilet is much lighter. Those courses usually include:
- Step by step tutorials
- Printable workbooks and exercises
- Positive examples and real life models
- Community forums with regular instructor checks
- Guarantees and ongoing updates
Money Down The Toilet offers none of these features. The only edge is in the snarky tone and genuine warning stories, which are sometimes more relatable than polished, toogoodtobetrue testimonials you find elsewhere.
It’s best thought of as a quick “caution manual” for raw beginners. It may be worth a look if you keep falling for shiny sales pitches, but is not a substitute for real business education.
Who Should Consider Money Down The Toilet?
From my experience, Money Down The Toilet is designed for people who:
- Are completely new to making money online
- Have been burned once or twice by “guru” courses and want comic relief
- Struggle to spot red flags in flashy sales pages
- Want a very basic warning checklist in one place
- Like sarcastic humor and don’t mind hearing mostly about failures
If you have already done even a little careful research about online business models, you may not learn anything new. The course is much less valuable for anyone beyond the most basic beginner stage. It will not help you identify highpotential, ethical business opportunities or teach you practical digital skills.
Who Definitely Shouldn’t Bother
This course does not serve you well if you:
- Have some experience in digital business or side hustles
- Already know how to do a Google search for reviews or scams
- Expect practical, actionable steps as part of your learning
- Are looking for mentorship or case studies about success
- Want an allinone starter path
It’s just too limited for anyone hoping for true guidance, and its main value is as a way to vent or commiserate with others who have lost money.
Refund Policy And Risk
The course is cheap at $9.99, and there is a thirty day refund policy. However, several users have reported slow customer support and refunds that took over a week to process. Since the price is very low, it does not present much monetary risk. Ironically, reading through the list of lostmoney examples inside the course is a reminder you could be throwing away $10 on a warning that tells you little you can’t learn from looking up common scams for free elsewhere.
A Sample Of The Advice You Get
Here is a small sample, using the actual language from the course:
- “If an ad says you’ll be rich by Friday, keep your wallet hidden.”
- “There is no traffic faucet. Stop buying ‘guaranteed views.’"
- “A mastermind should cost less than a family vacation, not more.”
- “Don’t buy tools before you have a plan.”
- “Crypto is not a side hustle. It’s a gamble.”
While some of this is common sense, it’s arranged in a clear, easy to follow format. If you are the sort of person who loves checklists and reminders stuck above your desk, you may find the downloadable PDF the best feature for your money.
My Honest Take: Is The Course Worth It?
After going through Money Down The Toilet, I felt a little more validated about the times I have wasted money online. I learned to be just a bit more skeptical of recurring SaaS tools, overpriced masterminds, and "push button" schemes. However, the lack of clear, actionable steps forward makes the course too shallow for anyone wanting to move past mistakes and actually start making progress.
Compared to free YouTube channels or beginner business subreddits that focus on what to avoid and what to try, this course falls short. Its main value is in the punchy, sometimes funny delivery and the way it spells out avoidable mistakes.
For $9.99, it’s not a huge waste, if hearing that other people have made the same mistakes makes you feel better. If you want action plans, practical skills, or a real roadmap, this is not a good investment.
Looking For Solid Next Steps? Where To Go After This Course
If you’ve watched the videos and read through the checklist, you’re probably still wondering what to do next. Based on my experience, I suggest the following lowrisk ways to move forward after a “what not to do" course like this:
- Follow trustworthy, longrunning YouTube creators like Gillian Perkins, Income School, or Pat Flynn for actual business examples and beginner step by step tutorials.
- Explore the r/Entrepreneur subreddit for honest feedback and success/failure stories that span both warnings and lessons learned.
- Check public scam databases like Scamwatch or Better Business Bureau reports before buying new highticket courses or tools.
- Look up review guides on Google and learn how to identify sponsored versus unbiased opinions.
- Try building skills (rather than just businesses) by following free resources like Codecademy for technical skills, or Hubspot’s resource library for digital marketing basics.
If you avoid the traps listed in Money Down The Toilet and combine that with actual businessbuilding methods from reliable sources, you’ll make faster, safer progress.
Is Money Down The Toilet a Scam?
I don’t consider Money Down The Toilet a scam. It’s a real product, you get what is described, and there is a working refund policy (even if a bit slow). The problem is simply that it is very limited. You learn what not to do, but you receive little to nothing about what actions to take next. I would not recommend this product to anyone past their very first steps in researching online business or side hustles.
Pricing and Value for Money
At $9.99 with reasonably clear upfront advertising, the risk is low. Still, you could get almost all the same content for free with a bit of searching and reading online. Its main value is as a simple checklist and lighthearted set of anecdotes, not as allinone beginner support.
Final Thoughts
Money Down The Toilet is a novelty product, best suited to people with no real experience trying to make money online. The stories are relatable, the tone is light, and the price is low enough that it doesn’t hurt. My personal view is that it’s more like a comedy warning session than an educational course.
If you want a basic list of pitfalls to print out and hang above your desk before starting your online business adventure, you might get a few laughs and feel slightly more cautious. But if you want guidance, ideas, or a pathway out of newbie confusion, you’re better off looking at beginnerfriendly, positive community spaces or step by step business training.
Careful research helps buyers avoid feeling like they dumped their money down the toilet yet again. If you decide to try this course anyway, take it as the beginning of your learning, not the final step. And always look for sources that offer both warnings and actionable, realworld solutions!
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