Hosted by Dhani Jones, the show centers on a group of contestants trying to win up to $1 million in cash by hauling it along a series of challenge courses ranging from Los Angeles to Las Vegas.

On each episode, the host challenged the team to carry the money along a specified route over rugged terrain and deliver as much of it as possible to a marked goal area ("cash point") within a time limit.

At any time, the financial advisor could press a button at the cash point to end the challenge; upon doing so, however, any money that had not yet been delivered was forfeited and deducted from the $1 million prize.

The financial advisor still had to press the button in order to end the challenge, forfeiting any undelivered money; they became eligible for elimination and had to nominate two other contestants as well.

The loser of this challenge was eliminated with no winnings, but viewers could participate in a text-message poll at the end of the episode to decide if that contestant should receive a consolation prize of $1,000.