I just lately accomplished three of the highest Christian monetary education schemes for church buildings: SeedTime’s True Monetary Freedom, Dave Ramsey’s Monetary Peace College, and Crown Monetary’s MoneyLife.
These standard packages all declare that will help you get management of your funds from a biblical perspective. Nonetheless, they go about it in several methods with various educating types and philosophies.
On this submit, I’ll present an in-depth have a look at every program – breaking down the distinctive options, strengths, weaknesses, and what’s really included while you purchase in.
My objective is to provide the actual deal on these programs so you may decide which one (if any) is the most effective match for reworking your monetary life in a method that aligns together with your religion. Whether or not you’re deep in debt, constructing wealth, or just attempting to honor God together with your cash, this comparability will assist information your journey.
Let’s dive into the nitty-gritty particulars of every program:
Pricing
In terms of pricing, Monetary Peace College from Dave Ramsey sits within the center. For a person membership, it’s $69.99. Additionally they provide bulk pricing for church buildings beginning at round $800 for 10 memberships.
On the upper finish, Seedtime’s True Monetary Freedom prices $149 for a person/couple license with common offers making it obtainable as little as $74. However they’ve some stable offers for Church buildings – you may get a bulk pupil license for as little as $48 per individual when you purchase a number of licenses. Or there’s an annual church subscription beginning as little as $750 per yr based mostly on common attendance.
Essentially the most reasonably priced choice is Crown Monetary’s MoneyLife course at simply $29.95 for a person buy. I couldn’t discover any publicly listed bulk pricing for church buildings, however being a non-profit, I’d count on them to be the most affordable route for congregations.
However as you’ll see, there are loads extra variations past simply the worth tags when evaluating what’s really included in every program.
True Monetary Freedom (SeedTime)
True Financial Freedom, created by Bob Lotich and his spouse Linda from SeedTime, is a monetary literacy video course designed for church buildings that strikes a wonderful steadiness between biblical knowledge and sensible cash administration methods. This system’s objective is to equip Christians with the instruments and mindset they should expertise true monetary freedom whereas making an everlasting influence for God’s Kingdom.
One of many standout options of True Monetary Freedom is the partaking and relatable educating model of Bob and Linda. They share their very own monetary struggles and triumphs with humor, transparency, and style, making individuals really feel like they’re studying from clever, caring associates moderately than aloof specialists. This strategy creates a protected, non-judgmental atmosphere the place individuals can brazenly talk about their monetary challenges and have fun their progress.
This system provides a number of distinctive advantages, such because the “By no means 100” rule (their ‘done-is-better-than-perfect’ strategy to regulate spending) and the “Straight A” technique for automating funds. These ideas usually are not solely memorable but additionally extremely actionable in serving to individuals take management of their cash and construct lasting wealth.
One other power of True Monetary Freedom is its emphasis on creating a customized monetary technique. Via interactive workshops, individuals are guided in growing a customized blueprint that matches their distinctive state of affairs, targets, and values. This strategy acknowledges that there’s no one-size-fits-all resolution to non-public finance and empowers individuals to take possession of their monetary journey.
True Monetary Freedom is ideal for Christians who wish to discover ways to thrive financially whereas staying grounded within the Bible. This system teaches individuals learn how to keep away from the extremes of being “so heavenly-minded they’re no earthly good” or turning into so centered on constructing worldly wealth that they lose sight of what actually issues.
With its grace-filled strategy and sensible instruments, True Monetary Freedom helps Christians discover the steadiness wanted to vary their monetary life and make a long-lasting distinction on this planet within the course of.
Included:
- 6 on-demand video classes (round 60 minutes every)
- Printable worksheets, instruments, and calculators (bodily workbook additionally obtainable)
- Entry to their Actual Cash Budgeting course (their standard (un)Budgeting strategy)
- Interactive workouts and a workshop-style strategy
Course Define:
- Hope & Imaginative and prescient – Discover new hope in your funds by means of Biblical monetary rules, break freed from defining your value by your web value.
- Design Your Blueprint – Study the constructing block in your new plan, the “By no means 100” rule to manage revenue/spending.
- Straight A Technique – Automate your funds utilizing a easy 4-step ‘set it and neglect it’ course of.
- Earn Extra – Unlock your God-given presents and skills to earn extra within the digital period.
- Everlasting Impression – Redefine giving as an everlasting funding and epic journey (not an obligation).
- Multiply & Take pleasure in – Easy investing methods that may change your life, your loved ones, and the world.
Monetary Peace College (Ramsey Options)
Financial Peace University, created by Dave Ramsey and his crew at Ramsey Options, is a extremely standard monetary schooling program that has helped numerous people and households get out of debt and construct wealth. This system’s main objective is to information individuals by means of a confirmed, step-by-step strategy to taking management of their cash and attaining monetary peace.
Dave Ramsey, the face of Monetary Peace College, is thought for his high-energy, robust love educating model. He delivers hard-hitting truths about cash with a way of urgency and conviction that conjures up individuals to take motion. Nonetheless, some could discover his strategy a bit intense and even abrasive at occasions, likening it to going by means of bootcamp. Whereas this model resonates with some, it is probably not everybody’s most well-liked studying atmosphere.
The cornerstone of Monetary Peace College is the “Child Steps” system, a transparent, prescriptive plan for getting out of debt and constructing wealth. This system closely emphasizes the debt snowball methodology, which entails paying off money owed from smallest to largest, no matter rates of interest. This strategy has confirmed extremely efficient in retaining individuals motivated and serving to them expertise fast wins on their debt-free journey.
Whereas Monetary Peace College does incorporate some biblical rules, its general strategy is extra secular in nature. This system focuses totally on the sensible nuts and bolts of cash administration, with much less emphasis on exploring the deeper religious implications of monetary stewardship.
Monetary Peace College is finest suited to people and households who’re drowning in debt and wish a transparent, actionable plan to get again on monitor. This system’s structured strategy and intense motivation is usually a lifeline for these feeling overwhelmed by their monetary state of affairs. Nonetheless, these in search of a extra personalised, grace-filled strategy that deeply integrates biblical knowledge could discover different packages extra interesting.
Included:
- 9 video classes strolling by means of the 7 Child Steps
- 1 yr entry to the video classes
- 3 months entry to EveryDollar budgeting app
- Group monetary teaching for 1 yr
- 1 free one-on-one teaching session
- Digital workbook
Course Define:
- Child Step 1 & Budgeting – Construct your $1,000 emergency buffer and acquire management by means of budgeting
- Child Step 2 – Study the debt snowball methodology to remove all non-mortgage debt quick
- Child Step 3 – Save 3-6 months’ bills for a fully-loaded emergency fund
- Child Steps 4-7 – Make investments 15% for retirement, save for faculty, repay dwelling, construct wealth
- Smart Spending – Outsmart advertising techniques to curb impulsive spending
- Understanding Insurance coverage – The 8 important and pointless insurance coverage varieties defined
- Constructing Wealth – Simplify retirement investing to construct lasting wealth
- Shopping for & Promoting Your House – Keep away from mortgage missteps – hire vs purchase knowledge
- Outrageous Generosity – Uncover the enjoyment of outrageous generosity
MoneyLife (Crown Monetary)
MoneyLife, supplied by Crown Monetary, is a monetary schooling program that takes a deeply biblical strategy to cash administration. This system’s main objective is to information Christians in understanding and making use of God’s monetary rules to their lives, emphasizing the significance of seeing God as the last word supplier and proprietor of all sources.
Considered one of MoneyLife’s distinguishing options is its robust concentrate on biblical teachings and religious practices associated to cash. This system dives deep into exploring how our monetary selections can mirror our religion and values, encouraging individuals to align their cash administration with biblical rules. This emphasis on the religious elements of finance units MoneyLife aside from different packages that will focus extra closely on sensible methods.
The educating model in MoneyLife tends to be extra educational and classroom-like in comparison with different packages. Individuals can count on a major quantity of studying supplies and written assessments all through the course. Whereas this strategy could attraction to those that favor a studious studying atmosphere, it is probably not as partaking for people who thrive on interactive, video-based content material.
MoneyLife provides some distinctive parts, corresponding to character assessments that assist individuals perceive how their pure tendencies influence their monetary selections. This system additionally contains workouts just like the switch of possession, which guides individuals in acknowledging God’s final possession of their sources. These introspective actions may be highly effective instruments for reshaping individuals’ mindsets and habits round cash.
Nonetheless, one potential downside of MoneyLife is that its emphasis on biblical rules and religious practices could come on the expense of offering extremely actionable, sensible monetary methods.
MoneyLife is good for Christians who’re in search of a deeply biblical understanding of cash administration and are prepared to interact in a extra studious, reflective studying course of. This system is well-suited for many who wish to discover the religious foundations of monetary stewardship and align their cash habits with their religion. Nonetheless, these primarily searching for a easy and simple monetary technique or a extra interactive studying expertise could discover different packages that higher match their wants.
Included:
- 10 self-paced video classes
- MoneyLife Indicator monetary evaluation
- Numerous studying supplies, PDFs, homework
- Course syllabus and schedule
- Religious practices like prayer logs
Course Define:
MoneyLife (Crown Monetary)
- Unwavering Hope – Discover unshakable hope in God because the true supplier
- The Plan – Develop a practical spending plan aligned with God’s perspective
- Ditching Debt – Obtain debt freedom utilizing biblical reality and sensible instruments
- Saving – Set quick and long-term financial savings targets to steward sources nicely
- Investing – Construct an funding portfolio to create a legacy of generosity
- Good Work – Determine your function to expertise success in your profession
- Beneficiant Dwelling – Overcome obstacles to expertise the enjoyment of dedicated giving
- Paying It Ahead – Uncover methods to switch knowledge to future generations
- True Riches – Align spending with wants vs. desires to pursue true wealth
- The Selection – Commit to decide on God’s path for cash to expertise freedom
Fast Comparability:
| Characteristic | True Monetary Freedom (SeedTime) | Monetary Peace College (Ramsey) | MoneyLife (Crown Monetary) |
| Aim | To offer Christians a Biblical framework and sensible instruments to allow them to handle cash properly, expertise true monetary freedom, and make an everlasting influence for God’s Kingdom. | To assist people and households get out of debt, construct wealth, and take management of their cash utilizing a confirmed, step-by-step strategy. | To information Christians in understanding and making use of God’s monetary rules, seeing Him as the last word supplier, and aligning their funds with Biblical values. |
| Method | -Strikes an efficient steadiness between biblical knowledge and sensible, actionable steerage. -Helps you handle cash in a method that honors God and units you as much as thrive financially. |
-Closely centered on getting out of debt utilizing a confirmed system of “Child Steps”. -Incorporates some biblical rules however is extra secular in its general strategy. |
-Leans deeply into the biblical and religious aspect of cash administration. -Emphasizes seeing God as the last word supplier.-Can really feel a bit extra theoretical at occasions. |
| Educating Model | -Participating, relatable, and empowering (feels up-to-date with the fashionable ‘YouTube’ period of on-line studying). -Actual-life tales with humor and style, making the course really feel like a dialog with clever, caring associates. |
-Numerous power and motivation, however his model can come throughout as a bit harsh or stern at occasions, which doesn’t resonate with everybody. -Comes throughout as extra of a lecture than a workshop. |
-Extra educational and classroom-like, with a heavy emphasis on studying supplies and assessments. -Is probably not as partaking for all studying varieties. |
| Personalization | -The interactive workshop model guides you in creating a customized cash technique tailor-made to your distinctive state of affairs and targets. -Nobody-size-fits-all plans, you construct a blueprint that really matches your life. |
-Offers a transparent, prescriptive set of “Child Steps” to comply with for getting out of debt and constructing wealth. -Whereas confirmed, it could not enable as a lot flexibility for particular person circumstances. |
-Affords some useful personalised instruments just like the MoneyLife Indicator assessment-Emphasis on “God as supplier” means this system has a really particular define to attain that objective which can really feel inflexible. |
| Distinctive Advantages | -The easy “By no means 100” rule for a done-is-better-than-perfect strategy to saving. -“Straight A” technique for automating your funds. -A powerful concentrate on leveraging your distinctive God-given abilities to extend your revenue. -Everlasting Impression as the last word objective (giving, investing within the Kingdom, and many others..) |
-Iconic “debt snowball” methodology for accelerating debt payoff and staying motivated. -Entry to EveryDollar budgeting app. -Monetary teaching sources. |
-Scripture memory-The “switch of possession” train to assist align your mindset and habits with biblical monetary rules. -Persona evaluation to search out and leverage your gifting. |
| Good for… | -Those that wish to discover ways to actually stay and thrive within the methods of the Kingdom (not being so heavenly-minded that they’re of no earthly good, but additionally not getting caught up in constructing their very own earthly kingdom) -A grace-filled, sensible strategy to expertise true monetary freedom and make an everlasting influence! |
-People and households who’re drowning in debt and wish a transparent, confirmed, step-by-step plan to get out of debt and begin constructing wealth, with some biblical grounding and intense motivation. | -Those that need a deeply biblical exploration of God’s function in our funds, with a concentrate on religious practices and mindset shifts. -Those that don’t thoughts a extra educational, reading-heavy strategy. |
Private Expertise and Suggestions
Having gone by means of all 3 packages, right here is my private expertise and suggestions:
I can truthfully say that True Monetary Freedom was a life-changing expertise. Bob and Linda’s heat, relatable educating model made me really feel like I used to be studying from trusted associates who actually cared about my success. This system’s emphasis on creating a customized monetary technique was a game-changer for me, because it helped me develop a plan that match my distinctive state of affairs and targets.
The “By no means 100” rule and “Straight A” technique have turn into cornerstones of my monetary habits, serving to me stay under my means and automate my financial savings and giving. It was excellent for somebody like myself who didn’t need a difficult, jargon-filled monetary class – and wasn’t going to join an intense ‘disgrace & blame’ session both.
Personally, True Monetary Freedom struck that steadiness higher than any of the opposite packages on the listing and gave me the technique to maneuver ahead. My financial savings, giving, and incomes have all elevated in vital methods since taking this system.
For individuals who are drowning in debt and wish a transparent, structured plan to get out, I extremely advocate Monetary Peace College. Dave Ramsey’s no-nonsense strategy and the step-by-step “Child Steps” system can present the motivation and route wanted to sort out debt head-on. The debt snowball methodology, particularly, has helped numerous folks expertise fast wins and construct momentum on their debt-free journey. Simply be ready for a extra intense, boot camp-style studying atmosphere.
In case you’re in search of a program that deeply explores the biblical rules behind cash administration, Crown’s MoneyLife is perhaps the best match for you. This system’s emphasis on religious practices and aligning your funds together with your religion may be extremely highly effective for many who wish to develop of their understanding of God’s perspective on wealth. Nonetheless, be ready for a extra educational, reading-intensive studying expertise and fewer concentrate on extremely sensible, actionable methods.
In the end, the most effective program for you’ll rely in your distinctive monetary state of affairs, studying model, and private targets. In case you’re searching for a grace-filled, sensible strategy that helps you thrive in God’s Kingdom whereas making an everlasting influence, I extremely advocate True Monetary Freedom. In case you want a structured, intensive plan to get out of debt quick, Monetary Peace College might be your finest guess. And when you need a deep dive into the biblical foundations of cash administration, MoneyLife is value contemplating.
No matter which program you select, crucial factor is to take motion and put money into your monetary schooling. By doing so, you’ll be higher geared up to deal with the sources God has entrusted to you and expertise the enjoyment and freedom that comes from aligning your funds together with your religion.
