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 can assist you get management of your funds from a biblical perspective. Nonetheless, they go about it in numerous methods with various instructing types and philosophies.
On this submit, I’ll present an in-depth take 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 possibly can decide which one (if any) is the most effective match for remodeling your monetary life in a approach 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. 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 expenses $149 for a person/couple license with common offers making it accessible 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 for those who purchase a number of licenses. Or there’s an annual church subscription beginning as little as $750 per 12 months based mostly on common attendance.
Probably 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 anticipate them to be the most affordable route for congregations.
However as you’ll see, there are lots 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 ravishing 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 influence for God’s Kingdom.
One of many standout options of True Monetary Freedom is the participating and relatable instructing fashion of Bob and Linda. They share their very own monetary struggles and triumphs with humor, transparency, and beauty, making individuals really feel like they’re studying from clever, caring buddies quite than aloof consultants. This method creates a secure, non-judgmental atmosphere the place individuals can overtly focus on their monetary challenges and have fun 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 will not be 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. By means of interactive workshops, individuals are guided in growing 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 individuals to take possession of their monetary journey.
True Monetary Freedom is ideal for Christians who need to learn to thrive financially whereas staying grounded within the Bible. This system teaches individuals easy methods to keep away from the extremes of being “so heavenly-minded they’re no earthly good” or turning into so targeted on constructing worldly wealth that they lose sight of what actually 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 an enduring 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 accessible)
- Entry to their Actual Cash Budgeting course (their common (un)Budgeting method)
- Interactive workouts and a workshop-style method
Course Define:
- Hope & Imaginative and prescient – Discover new hope in your funds by Biblical monetary rules, 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 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 skills to earn extra within the digital period.
- Everlasting Influence – 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 workforce at Ramsey Options, is a extremely common monetary training program that has helped numerous people and households get out of debt and construct wealth. This system’s main aim is to information individuals by a confirmed, step-by-step method to taking management of their cash and attaining monetary peace.
Dave Ramsey, the face of Monetary Peace College, is understood for his high-energy, robust love instructing fashion. He delivers hard-hitting truths about cash with a way of urgency and conviction that evokes individuals to take motion. Nonetheless, some might discover his method a bit intense and even abrasive at instances, likening it to going by bootcamp. Whereas this fashion 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 method has confirmed extremely efficient in protecting 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 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 greatest suited to people and households who’re drowning in debt and wish a transparent, actionable plan to get again on observe. This system’s structured method and intense motivation could be a lifeline for these feeling overwhelmed by their monetary scenario. Nonetheless, these searching for a extra customized, 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 – Be taught the debt snowball methodology to eradicate 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 residence, 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 Residence – 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 training program that takes a deeply biblical method to cash administration. This system’s main 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 assets.
One among MoneyLife’s distinguishing options is its sturdy deal with 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 individuals to align their cash administration with biblical rules. This emphasis on the religious features of finance units MoneyLife other than different packages which will focus extra closely on sensible methods.
The instructing fashion in MoneyLife tends to be extra educational and classroom-like in comparison with different packages. Contributors can anticipate a big quantity of studying supplies and written assessments all through the course. Whereas this method might attraction to those that choose a studious studying atmosphere, it is probably not as participating for people who thrive on interactive, video-based content material.
MoneyLife presents some distinctive components, resembling persona assessments that assist individuals perceive how their pure tendencies influence their monetary choices. This system additionally contains workouts just like the switch of possession, which guides individuals in acknowledging God’s final possession of their assets. These introspective actions could be highly effective instruments for reshaping individuals’ mindsets and habits round cash.
Nonetheless, 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 right for Christians who’re searching for a deeply biblical understanding of cash administration and are keen to have interaction in a extra studious, reflective studying course of. This system is well-suited for individuals who need to discover the religious foundations of economic stewardship and align their cash habits with their religion. Nonetheless, these primarily on the lookout for a easy and straightforward 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
- Non secular 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 fact and sensible instruments
- Saving – Set quick and long-term financial savings targets to steward assets properly
- 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. needs 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 provide Christians a Biblical framework and sensible instruments to allow them to handle cash correctly, 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 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. |
| Method | -Strikes an efficient stability between biblical knowledge and sensible, actionable steerage. -Helps you handle cash in a approach that honors God and units you as much as thrive financially. |
-Closely targeted on getting out of debt utilizing a confirmed system of “Child Steps”. -Incorporates some biblical rules however is extra secular in its general method. |
-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 instances. |
| Educating Fashion | -Partaking, relatable, and empowering (feels up-to-date with the fashionable ‘YouTube’ period of on-line studying). -Actual-life tales with humor and beauty, making the course really feel like a dialog with clever, caring buddies. |
-Loads of power and motivation, however his fashion can come throughout as a bit harsh or stern at instances, 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 participating for all studying varieties. |
| Personalization | -The interactive workshop fashion 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 actually suits your life. |
-Gives 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. |
-Gives some useful customized instruments just like the MoneyLife Indicator assessment-Emphasis on “God as supplier” means this system has a really particular define to attain that aim which can really feel inflexible. |
| Distinctive Advantages | -The straightforward “By no means 100” rule for a done-is-better-than-perfect method to saving. -“Straight A” technique for automating your funds. -A robust deal with leveraging your distinctive God-given abilities to extend your earnings. -Everlasting Influence as the final word aim (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 assets. |
-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. |
| Excellent for… | -Those that need to learn 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 method 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 want a deeply biblical exploration of God’s function in our funds, with a deal with religious practices and mindset shifts. -Those that don’t thoughts a extra educational, reading-heavy method. |
Private Expertise and Suggestions
Having gone by all 3 packages, right here is my private expertise and proposals:
I can truthfully say that True Monetary Freedom was a life-changing expertise. Bob and Linda’s heat, relatable instructing fashion made me really feel like I used to be studying from trusted buddies 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 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 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 individuals 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 path wanted to deal with 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.
Should you’re searching for 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 could be extremely highly effective for individuals who need to develop of their understanding of God’s perspective on wealth. Nonetheless, be ready for a extra educational, reading-intensive studying expertise and fewer deal with extremely sensible, actionable methods.
In the end, the most effective program for you’ll rely in your distinctive monetary scenario, studying fashion, and private targets. Should you’re on the lookout for a grace-filled, sensible method that helps you thrive in God’s Kingdom whereas making an everlasting influence, I extremely suggest True Monetary Freedom. Should you want a structured, intensive plan to get out of debt quick, Monetary Peace College could possibly be your greatest wager. And for those who want a deep dive into the biblical foundations of cash administration, MoneyLife is value contemplating.
No matter which program you select, an important factor is to take motion and spend money on your monetary training. By doing so, you’ll be higher outfitted to deal with the assets God has entrusted to you and expertise the enjoyment and freedom that comes from aligning your funds together with your religion.