I 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 fashionable packages all declare that can assist you get management of your funds from a biblical perspective. Nevertheless, they go about it in several methods with various educating types and philosophies.
On this publish, I’ll present an in-depth take a look at every program – breaking down the distinctive options, strengths, weaknesses, and what’s truly included whenever you purchase in.
My purpose is to provide the actual deal on these programs so you may decide which one (if any) is the perfect match for reworking your monetary life in a manner 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
With regards to pricing, Monetary Peace College from Dave Ramsey sits within the center. For a person membership, it’s $69.99. Additionally they supply bulk pricing for church buildings beginning at round $800 for 10 memberships.
On the upper finish, Seedtime’s True Monetary Freedom expenses $149 for a person/couple license with common offers making it obtainable as little as $74. However they’ve some strong offers for Church buildings – you will get a bulk scholar license for as little as $48 per individual for those who 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.
Probably the most inexpensive 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 anticipate them to be the most affordable route for congregations.
However as you’ll see, there are loads extra variations past simply the value tags when evaluating what’s truly included in every program.
True Monetary Freedom (SeedTime)
True Monetary Freedom, created by Bob Lotich and his spouse Linda from SeedTime, is a monetary literacy video course designed for church buildings that strikes an exquisite stability between biblical knowledge and sensible cash administration methods. This system’s purpose is to equip Christians with the instruments and mindset they should expertise true monetary freedom whereas making an everlasting affect for God’s Kingdom.
One of many standout options of True Monetary Freedom is the partaking and relatable educating type of Bob and Linda. They share their very own monetary struggles and triumphs with humor, transparency, and style, making members really feel like they’re studying from sensible, caring pals somewhat than aloof specialists. This strategy creates a secure, non-judgmental atmosphere the place members can overtly focus on 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 will not be solely memorable but in addition 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 growing a customized blueprint that matches their distinctive scenario, targets, and values. This strategy acknowledges that there’s no one-size-fits-all answer to private finance and empowers members to take possession of their monetary journey.
True Monetary Freedom is ideal for Christians who need to discover ways to thrive financially whereas staying grounded within the Bible. This system teaches members the best 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 actually issues.
With its grace-filled strategy and sensible instruments, True Monetary Freedom helps Christians discover the stability wanted to alter their monetary life and make an enduring distinction on the 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 fashionable (un)Budgeting strategy)
- Interactive workout routines and a workshop-style strategy
Course Define:
- Hope & Imaginative and prescient – Discover new hope in your funds via Biblical monetary ideas, break freed from defining your value by your web value.
- Design Your Blueprint – Be taught 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 overlook it’ course of.
- Earn Extra – Unlock your God-given presents and abilities to earn extra within the digital period.
- Everlasting Influence – 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)
Monetary Peace College, created by Dave Ramsey and his staff at Ramsey Options, is a extremely fashionable monetary schooling program that has helped numerous people and households get out of debt and construct wealth. This system’s main purpose is to information members via 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, powerful love educating type. He delivers hard-hitting truths about cash with a way of urgency and conviction that evokes members to take motion. Nevertheless, some might discover his strategy a bit intense and even abrasive at occasions, likening it to going via bootcamp. Whereas this type resonates with some, it is probably not everybody’s most popular 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 includes paying off money owed from smallest to largest, no matter rates of interest. This strategy has confirmed extremely efficient in maintaining members motivated and serving to them expertise fast wins on their debt-free journey.
Whereas Monetary Peace College does incorporate some biblical ideas, 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 greatest 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 strategy and intense motivation could be a lifeline for these feeling overwhelmed by their monetary scenario. Nevertheless, these searching for a extra personalised, grace-filled strategy that deeply integrates biblical knowledge might discover different packages extra interesting.
Included:
- 9 video classes strolling via 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 via budgeting
- Child Step 2 – Be taught the debt snowball methodology to get rid of 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 house, construct wealth
- Sensible Spending – Outsmart advertising and marketing ways 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 Dwelling – Keep away from mortgage missteps – lease vs purchase knowledge
- Outrageous Generosity – Uncover the enjoyment of outrageous generosity
MoneyLife (Crown Monetary)
MoneyLife, provided by Crown Monetary, is a monetary schooling program that takes a deeply biblical strategy to cash administration. This system’s main purpose is to information Christians in understanding and making use of God’s monetary ideas to their lives, emphasizing the significance of seeing God as the final word supplier and proprietor of all sources.
One in every of MoneyLife’s distinguishing options is its sturdy 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 members to align their cash administration with biblical ideas. This emphasis on the religious elements of finance units MoneyLife aside from different packages which will focus extra closely on sensible methods.
The educating type in MoneyLife tends to be extra educational and classroom-like in comparison with different packages. Contributors can anticipate a major quantity of studying supplies and written assessments all through the course. Whereas this strategy might enchantment to those that desire 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, reminiscent of persona assessments that assist members perceive how their pure tendencies affect their monetary selections. This system additionally contains workout routines just like the switch of possession, which guides members in acknowledging God’s final possession of their sources. These introspective actions may be highly effective instruments for reshaping members’ mindsets and habits round cash.
Nevertheless, one potential downside of MoneyLife is that its emphasis on biblical ideas and religious practices might come on the expense of offering extremely actionable, sensible monetary methods.
MoneyLife is right for Christians who’re searching for 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 individuals who need to discover the religious foundations of monetary stewardship and align their cash habits with their religion. Nevertheless, these primarily searching for 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
- 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 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 success 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. 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) |
| 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 affect 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 ideas, seeing Him as the final word supplier, and aligning their funds with Biblical values. |
| Method | -Strikes an efficient stability between biblical knowledge and sensible, actionable steering. -Helps you handle cash in a manner 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 ideas however is extra secular in its general strategy. |
-Leans deeply into the biblical and religious facet of cash administration. -Emphasizes seeing God as the final word supplier.-Can really feel a bit extra theoretical at occasions. |
| Instructing 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 sensible, caring pals. |
-Lots of vitality 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 educational and classroom-like, with a heavy emphasis on studying supplies and assessments. -Is probably not as partaking 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 suits your life. |
-Supplies a transparent, prescriptive set of “Child Steps” to comply with for getting out of debt and constructing wealth. -Whereas confirmed, it could not permit 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 attain that purpose which can really feel inflexible. |
| Distinctive Advantages | -The straightforward “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 Influence as the final word purpose (giving, investing within the Kingdom, and so on..) |
-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 ideas. -Character evaluation to search out and leverage your gifting. |
| Good for… | -Those that need to discover ways to actually reside and thrive within the methods of the Kingdom (not being so heavenly-minded that they’re of no earthly good, but in addition 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 affect! |
-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 via 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 type made me really feel like I used to be studying from trusted pals 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 scenario and targets.
The “By no means 100” rule and “Straight A” technique have change into cornerstones of my monetary habits, serving to me reside under my means and automate my financial savings and giving. It was excellent for somebody like myself who didn’t need a sophisticated, jargon-filled monetary class – and wasn’t going to enroll in an intense ‘disgrace & blame’ session both.
Personally, True Monetary Freedom struck that stability 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 many 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 course wanted to sort out debt head-on. The debt snowball methodology, specifically, 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 atmosphere.
If you happen to’re searching for a program that deeply explores the biblical ideas behind cash administration, Crown’s MoneyLife may be the appropriate match for you. This system’s emphasis on religious practices and aligning your funds together with your religion may be extremely highly effective for individuals who need to develop of their understanding of God’s perspective on wealth. Nevertheless, be ready for a extra educational, reading-intensive studying expertise and fewer concentrate on extremely sensible, actionable methods.
Finally, the perfect program for you’ll rely in your distinctive monetary scenario, studying type, and private targets. If you happen to’re searching for a grace-filled, sensible strategy that helps you thrive in God’s Kingdom whereas making an everlasting affect, I extremely advocate 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 greatest guess. And for those who 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 outfitted 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.
