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 well-liked applications 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 kinds 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 purpose is to provide the actual deal on these programs so you possibly can decide which one (if any) is one of the best match for remodeling your monetary life in a method that aligns along with your religion. Whether or not you’re deep in debt, constructing wealth, or just making an attempt to honor God along with your cash, this comparability will assist information your journey.
Let’s dive into the nitty-gritty particulars of every program:
Pricing
On the subject 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 fees $149 for a person/couple license with common offers making it accessible as little as $74. However they’ve some strong offers for Church buildings – you may get a bulk pupil license for as little as $48 per individual in the event you 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 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 count on them to be the most affordable route for congregations.
However as you’ll see, there are lots extra variations past simply the value tags when evaluating what’s really 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 influence for God’s Kingdom.
One of many standout options of True Monetary Freedom is the participating and relatable educating fashion of Bob and Linda. They share their very own monetary struggles and triumphs with humor, transparency, and charm, making members really feel like they’re studying from smart, caring pals reasonably than aloof specialists. This strategy creates a protected, non-judgmental setting the place members can overtly talk about their monetary challenges and rejoice their progress.
This system gives 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 should not solely memorable but additionally extremely actionable in serving to members take management of their cash and construct lasting wealth.
One other energy 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 state of affairs, objectives, 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 wish to discover ways to thrive financially whereas staying grounded within the Bible. This system teaches members how one can 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 really 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 a long-lasting distinction on the planet within the course of.
Included:
- 6 on-demand video periods (round 60 minutes every)
- Printable worksheets, instruments, and calculators (bodily workbook additionally accessible)
- Entry to their Actual Cash Budgeting course (their well-liked (un)Budgeting strategy)
- Interactive workout routines and a workshop-style strategy
Course Define:
- Hope & Imaginative and prescient – Discover new hope in your funds by Biblical monetary rules, break freed from defining your price by your web price.
- Design Your Blueprint – Study the constructing block in your new plan, the “By no means 100” rule to regulate 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 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)
Monetary Peace College, created by Dave Ramsey and his workforce at Ramsey Options, is a extremely well-liked monetary training program that has helped numerous people and households get out of debt and construct wealth. This system’s main purpose is to information members by 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 fashion. He delivers hard-hitting truths about cash with a way of urgency and conviction that conjures up members to take motion. Nonetheless, some could discover his strategy a bit intense and even abrasive at occasions, likening it to going by bootcamp. Whereas this fashion resonates with some, it might 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 technique, which includes paying off money owed from smallest to largest, no matter rates of interest. This strategy has confirmed extremely efficient in protecting members 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 greatest fitted to people and households who’re drowning in debt and want 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 searching for a extra customized, grace-filled strategy that deeply integrates biblical knowledge could discover different applications 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 acquire management by budgeting
- Child Step 2 – Study the debt snowball technique 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 faculty, repay dwelling, construct wealth
- Sensible 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 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 training 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 rules to their lives, emphasizing the significance of seeing God as the last word supplier and proprietor of all assets.
One in all 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 rules. This emphasis on the religious features of finance units MoneyLife aside from different applications that will focus extra closely on sensible methods.
The educating fashion in MoneyLife tends to be extra tutorial and classroom-like in comparison with different applications. Contributors can count on a major quantity of studying supplies and written assessments all through the course. Whereas this strategy could enchantment to those that want a studious studying setting, it might not be as participating for people who thrive on interactive, video-based content material.
MoneyLife gives some distinctive parts, resembling character assessments that assist members perceive how their pure tendencies influence their monetary selections. This system additionally consists of workout routines just like the switch of possession, which guides members in acknowledging God’s final possession of their assets. These introspective actions might be highly effective instruments for reshaping members’ 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 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 monetary stewardship and align their cash habits with their religion. Nonetheless, these primarily in search of a easy and simple monetary technique or a extra interactive studying expertise could discover different applications that higher match their wants.
Included:
- 10 self-paced video classes
- MoneyLife Indicator monetary evaluation
- A number of 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 objectives to steward assets properly
- Investing – Construct an funding portfolio to create a legacy of generosity
- Good Work – Determine your objective 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:
| Function | True Monetary Freedom (SeedTime) | Monetary Peace College (Ramsey) | MoneyLife (Crown Monetary) |
| Objective | To present 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. |
| Strategy | -Strikes an efficient stability 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 targeted 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 facet of cash administration. -Emphasizes seeing God as the last word supplier.-Can really feel a bit extra theoretical at occasions. |
| Educating Type | -Partaking, relatable, and empowering (feels up-to-date with the fashionable ‘YouTube’ period of on-line studying). -Actual-life tales with humor and charm, making the course really feel like a dialog with smart, caring pals. |
-Loads of vitality and motivation, however his fashion 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. -Might not be as participating for all studying varieties. |
| Personalization | -The interactive workshop fashion guides you in creating a customized cash technique tailor-made to your distinctive state of affairs and objectives. -Nobody-size-fits-all plans, you construct a blueprint that actually matches 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. |
-Provides 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 purpose 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 earnings. -Everlasting Impression as the last word purpose (giving, investing within the Kingdom, and so forth..) |
-Iconic “debt snowball” technique 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. -Character evaluation to search out and leverage your gifting. |
| Good for… | -Those that wish to discover ways to really 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 want 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 concentrate on religious practices and mindset shifts. -Those that don’t thoughts a extra tutorial, reading-heavy strategy. |
Private Expertise and Suggestions
Having gone by all 3 applications, 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 fashion 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 state of affairs and objectives.
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 good for somebody like myself who didn’t desire a difficult, 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 applications on the checklist 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 want 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 path wanted to deal with debt head-on. The debt snowball technique, specifically, 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 setting.
In case you’re searching for a program that deeply explores the biblical rules behind cash administration, Crown’s MoneyLife is likely to be the precise match for you. This system’s emphasis on religious practices and aligning your funds along with your religion might 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 tutorial, reading-intensive studying expertise and fewer concentrate on extremely sensible, actionable methods.
In the end, one of the best program for you’ll rely in your distinctive monetary state of affairs, studying fashion, and private objectives. In case you’re in search of 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 could possibly be your greatest wager. And in the event you want a deep dive into the biblical foundations of cash administration, MoneyLife is price contemplating.
No matter which program you select, an important factor is to take motion and put money into 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 along with your religion.
