I just lately accomplished three of the highest Christian monetary teaching programs for church buildings: SeedTime’s True Monetary Freedom, Dave Ramsey’s Monetary Peace College, and Crown Monetary’s MoneyLife.
These common packages all declare that will help you get management of your funds from a biblical perspective. Nevertheless, they go about it in numerous methods with various educating types and philosophies.
On this publish, 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 aim is to provide the actual deal on these programs so you may decide which one (if any) is one of the best match for remodeling your monetary life in a means that aligns together with your religion. Whether or not you’re deep in debt, constructing wealth, or just making an attempt 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 the case of pricing, Monetary Peace College from Dave Ramsey sits within the center. For a person membership, it’s $69.99. In addition they provide bulk pricing for church buildings beginning at round $800 for 10 memberships.
On the upper finish, Seedtime’s True Monetary Freedom costs $149 for a person/couple license with common offers making it out there 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 particular person should you purchase a number of licenses. Or there’s an annual church subscription beginning as little as $750 per 12 months primarily based on common attendance.
Essentially the most reasonably priced possibility 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 a lot extra variations past simply the value 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 phenomenal stability between biblical knowledge and sensible cash administration methods. This system’s aim is to equip Christians with the instruments and mindset they should expertise true monetary freedom whereas making an everlasting impression for God’s Kingdom.
One of many standout options of True Monetary Freedom is the participating and relatable educating type of Bob and Linda. They share their very own monetary struggles and triumphs with humor, transparency, and beauty, making members really feel like they’re studying from clever, caring pals somewhat than aloof specialists. This method creates a protected, non-judgmental setting the place members can overtly talk about their monetary challenges and rejoice their progress.
This system presents a number of distinctive advantages, such because the “By no means 100” rule (their ‘done-is-better-than-perfect’ method 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 members 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, members are guided in creating a customized blueprint that matches their distinctive scenario, targets, and values. This method acknowledges that there’s no one-size-fits-all resolution to non-public finance and empowers members 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 members the right way 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 really issues.
With its grace-filled method and sensible instruments, True Monetary Freedom helps Christians discover the stability wanted to alter their monetary life and make a long-lasting distinction on the earth within the course of.
Included:
- 6 on-demand video classes (round 60 minutes every)
- Printable worksheets, instruments, and calculators (bodily workbook additionally out there)
- Entry to their Actual Cash Budgeting course (their common (un)Budgeting method)
- Interactive workout routines and a workshop-style method
Course Define:
- Hope & Imaginative and prescient – Discover new hope to your funds by Biblical monetary rules, break freed from defining your value by your web value.
- Design Your Blueprint – Study the constructing block to your new plan, the “By no means 100” rule to manage earnings/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 abilities to earn extra within the digital period.
- Everlasting Impression – Redefine giving as an everlasting funding and epic journey (not an obligation).
- Multiply & Get pleasure from – 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 common monetary schooling program that has helped numerous people and households get out of debt and construct wealth. This system’s major aim is to information members by a confirmed, step-by-step method to taking management of their cash and reaching monetary peace.
Dave Ramsey, the face of Monetary Peace College, is thought for his high-energy, robust love educating type. He delivers hard-hitting truths about cash with a way of urgency and conviction that conjures up members to take motion. Nevertheless, some might discover his method a bit intense and even abrasive at occasions, likening it to going by bootcamp. Whereas this type resonates with some, it will not be everybody’s most well-liked studying setting.
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 includes paying off money owed from smallest to largest, no matter rates of interest. This method has confirmed extremely efficient in holding members motivated and serving to them expertise fast wins on their debt-free journey.
Whereas Monetary Peace College does incorporate some biblical rules, its total method 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 economic stewardship.
Monetary Peace College is finest fitted to people and households who’re drowning in debt and wish a transparent, actionable plan to get again on monitor. This system’s structured method and intense motivation generally is a lifeline for these feeling overwhelmed by their monetary scenario. Nevertheless, these searching for a extra personalised, grace-filled method that deeply integrates biblical knowledge might discover different packages extra interesting.
Included:
- 9 video classes strolling by the 7 Child Steps
- 1 12 months entry to the video classes
- 3 months entry to EveryDollar budgeting app
- Group monetary teaching for 1 12 months
- 1 free one-on-one teaching session
- Digital workbook
Course Define:
- Child Step 1 & Budgeting – Construct your $1,000 emergency buffer and achieve management by 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 school, repay house, construct wealth
- Smart Spending – Outsmart advertising and marketing techniques to curb impulsive spending
- Understanding Insurance coverage – The 8 important and pointless insurance coverage sorts defined
- Constructing Wealth – Simplify retirement investing to construct lasting wealth
- Shopping for & Promoting Your House – Keep away from mortgage missteps – lease 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 method to cash administration. This system’s major aim 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 final word supplier and proprietor of all sources.
One in all MoneyLife’s distinguishing options is its sturdy give attention to biblical teachings and religious practices associated to cash. This system dives deep into exploring how our monetary choices can mirror our religion and values, encouraging members to align their cash administration with biblical rules. This emphasis on the religious elements of finance units MoneyLife other than different packages which will focus extra closely on sensible methods.
The educating type in MoneyLife tends to be extra tutorial and classroom-like in comparison with different packages. Contributors can count on a major quantity of studying supplies and written assessments all through the course. Whereas this method might attraction to those that favor a studious studying setting, it will not be as participating for people who thrive on interactive, video-based content material.
MoneyLife presents some distinctive parts, akin to character assessments that assist members perceive how their pure tendencies impression their monetary choices. This system additionally consists of workout routines just like the switch of possession, which guides members in acknowledging God’s final possession of their sources. These introspective actions might be highly effective instruments for reshaping members’ mindsets and habits round cash.
Nevertheless, one potential disadvantage of MoneyLife is that its emphasis on biblical rules and religious practices might come on the expense of offering extremely actionable, sensible monetary methods.
MoneyLife is good for Christians who’re searching for a deeply biblical understanding of cash administration and are keen 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 economic stewardship and align their cash habits with their religion. Nevertheless, these primarily in search of a easy and simple monetary technique or a extra interactive studying expertise might discover different packages that higher match their wants.
Included:
- 10 self-paced video classes
- MoneyLife Indicator monetary evaluation
- Plenty of 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 sensible spending plan aligned with God’s perspective
- Ditching Debt – Obtain debt freedom utilizing biblical reality and sensible instruments
- Saving – Set brief and long-term financial savings targets to steward sources nicely
- Investing – Construct an funding portfolio to create a legacy of generosity
- Good Work – Establish your objective to expertise achievement in your profession
- Beneficiant Residing – 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. needs to pursue true wealth
- The Alternative – 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) |
| Purpose | To present Christians a Biblical framework and sensible instruments to allow them to handle cash correctly, expertise true monetary freedom, and make an everlasting impression 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 method. | To information Christians in understanding and making use of God’s monetary rules, seeing Him as the final word supplier, and aligning their funds with Biblical values. |
| Strategy | -Strikes an efficient stability between biblical knowledge and sensible, actionable steering. -Helps you handle cash in a means 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 total method. |
-Leans deeply into the biblical and religious aspect of cash administration. -Emphasizes seeing God as the final word supplier.-Can really feel a bit extra theoretical at occasions. |
| Educating Fashion | -Partaking, relatable, and empowering (feels up-to-date with the trendy ‘YouTube’ period of on-line studying). -Actual-life tales with humor and beauty, making the course really feel like a dialog with clever, caring pals. |
-Lots of power and motivation, however his type 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 tutorial and classroom-like, with a heavy emphasis on studying supplies and assessments. -Will not be as participating for all studying sorts. |
| Personalization | -The interactive workshop type guides you in creating a customized cash technique tailor-made to your distinctive scenario and targets. -Nobody-size-fits-all plans, you construct a blueprint that really matches your life. |
-Supplies a transparent, prescriptive set of “Child Steps” to observe for getting out of debt and constructing wealth. -Whereas confirmed, it might not enable as a lot flexibility for particular person circumstances. |
-Presents some useful personalised instruments just like the MoneyLife Indicator assessment-Emphasis on “God as supplier” means this system has a really particular define to realize that aim which can really feel inflexible. |
| Distinctive Advantages | -The easy “By no means 100” rule for a done-is-better-than-perfect method to saving. -“Straight A” technique for automating your funds. -A robust give attention to leveraging your distinctive God-given abilities to extend your earnings. -Everlasting Impression as the final word aim (giving, investing within the Kingdom, and so forth..) |
-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. -Character evaluation to seek out and leverage your gifting. |
| Excellent for… | -Those that wish to discover ways to really dwell 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 method to expertise true monetary freedom and make an everlasting impression! |
-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 position in our funds, with a give attention to religious practices and mindset shifts. -Those that don’t thoughts a extra tutorial, reading-heavy method. |
Private Expertise and Suggestions
Having gone by all 3 packages, right here is my private expertise and proposals:
I can actually say that True Monetary Freedom was a life-changing expertise. Bob and Linda’s heat, relatable educating type made me really feel like I used to be studying from trusted pals who really 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 scenario and targets.
The “By no means 100” rule and “Straight A” technique have grow to be cornerstones of my monetary habits, serving to me dwell under my means and automate my financial savings and giving. It was good for somebody like myself who didn’t desire a sophisticated, jargon-filled monetary class – and wasn’t going to join an intense ‘disgrace & blame’ session both.
Personally, True Monetary Freedom struck that stability higher than any of the opposite packages on the checklist and gave me the technique to maneuver ahead. My financial savings, giving, and incomes have all elevated in important methods since taking this system.
For many who are drowning in debt and wish a transparent, structured plan to get out, I extremely suggest Monetary Peace College. Dave Ramsey’s no-nonsense method and the step-by-step “Child Steps” system can present the motivation and course wanted to sort out debt head-on. The debt snowball methodology, particularly, has helped numerous individuals expertise fast wins and construct momentum on their debt-free journey. Simply be ready for a extra intense, boot camp-style studying setting.
If you happen to’re searching for a program that deeply explores the biblical rules behind cash administration, Crown’s MoneyLife is perhaps the precise match for you. This system’s emphasis on religious practices and aligning your funds together with your religion might be extremely highly effective for many who wish to develop of their understanding of God’s perspective on wealth. Nevertheless, be ready for a extra tutorial, reading-intensive studying expertise and fewer give attention to extremely sensible, actionable methods.
In the end, one of the best program for you’ll rely in your distinctive monetary scenario, studying type, and private targets. If you happen to’re in search of a grace-filled, sensible method that helps you thrive in God’s Kingdom whereas making an everlasting impression, I extremely suggest True Monetary Freedom. If you happen to want a structured, intensive plan to get out of debt quick, Monetary Peace College could possibly be your finest guess. And should 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 spend money on 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.
