I not too long ago 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 in style packages all declare that can assist 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 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 once you purchase in.
My aim 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 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
In the case 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 costs $149 for a person/couple license with common offers making it out there as little as $74. However they’ve some strong offers for Church buildings – you may get a bulk scholar 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.
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 anticipate them to be the most affordable route for congregations.
However as you’ll see, there are a lot 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 gorgeous steadiness 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 style, making contributors really feel like they’re studying from smart, caring associates relatively than aloof consultants. This strategy creates a secure, non-judgmental setting the place contributors can brazenly focus on their monetary challenges and have a good time 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 will not be solely memorable but additionally extremely actionable in serving to contributors 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. By interactive workshops, contributors are guided in creating a customized blueprint that matches their distinctive scenario, targets, and values. This strategy acknowledges that there’s no one-size-fits-all answer to non-public finance and empowers contributors 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 contributors methods to keep away from the extremes of being “so heavenly-minded they’re no earthly good” or changing into so targeted 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 the planet within the course of.
Included:
- 6 on-demand video periods (round 60 minutes every)
- Printable worksheets, instruments, and calculators (bodily workbook additionally out there)
- Entry to their Actual Cash Budgeting course (their in style (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 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 regulate 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 items and skills to earn extra within the digital period.
- Everlasting Affect – 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 in style monetary schooling program that has helped numerous people and households get out of debt and construct wealth. This system’s main aim is to information contributors 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, powerful love educating type. He delivers hard-hitting truths about cash with a way of urgency and conviction that conjures up contributors to take motion. Nevertheless, some might discover his strategy a bit intense and even abrasive at instances, likening it to going by means of bootcamp. Whereas this type resonates with some, it will not be everybody’s most popular 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 preserving contributors motivated and serving to them expertise fast wins on their debt-free journey.
Whereas Monetary Peace College does incorporate some biblical ideas, its total 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 scenario. Nevertheless, these looking for a extra customized, grace-filled strategy that deeply integrates biblical knowledge might discover different packages extra interesting.
Included:
- 9 video classes strolling by means of 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 means of budgeting
- Child Step 2 – Be taught 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 residence, construct wealth
- Sensible Spending – Outsmart advertising 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 House – Keep away from mortgage missteps – hire 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 aim 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 assets.
Considered one of 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 contributors to align their cash administration with biblical ideas. This emphasis on the religious features of finance units MoneyLife aside from different packages that 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. Individuals can anticipate a major quantity of studying supplies and written assessments all through the course. Whereas this strategy might attraction to those that desire a studious studying setting, it will not be as participating for people who thrive on interactive, video-based content material.
MoneyLife gives some distinctive parts, comparable to persona assessments that assist contributors perceive how their pure tendencies impression their monetary choices. This system additionally contains workouts just like the switch of possession, which guides contributors in acknowledging God’s final possession of their assets. These introspective actions may be highly effective instruments for reshaping contributors’ mindsets and habits round cash.
Nevertheless, one potential disadvantage 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 good for Christians who’re looking 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 many who need to discover the religious foundations of monetary stewardship and align their cash habits with their religion. Nevertheless, 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
- Plenty 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 practical spending plan aligned with God’s perspective
- Ditching Debt – Obtain debt freedom utilizing biblical fact and sensible instruments
- Saving – Set brief and long-term financial savings targets to steward assets effectively
- Investing – Construct an funding portfolio to create a legacy of generosity
- Good Work – Establish your goal 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:
| Function | 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 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 steadiness between biblical knowledge and sensible, actionable steering. -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 ideas however is extra secular in its total 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 instances. |
| 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 smart, caring associates. |
-A variety of power and motivation, however his type 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. -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 suits your life. |
-Offers a transparent, prescriptive set of “Child Steps” to comply with for getting out of debt and constructing wealth. -Whereas confirmed, it might 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 realize that aim 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 robust give attention to leveraging your distinctive God-given skills to extend your revenue. -Everlasting Affect as the final word aim (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 ideas. -Character evaluation to seek out and leverage your gifting. |
| Excellent for… | -Those that need 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 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 function in our funds, with a give attention to 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 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 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 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 beneath my means and automate my financial savings and giving. It was excellent for somebody like myself who didn’t desire 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 record 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 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, 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 setting.
In the event you’re looking for a program that deeply explores the biblical ideas behind cash administration, Crown’s MoneyLife may be the best match for you. This system’s emphasis on religious practices and aligning your funds along with your religion may be extremely highly effective for many 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 give attention to extremely sensible, actionable methods.
Finally, the perfect program for you’ll rely in your distinctive monetary scenario, studying type, and private targets. In the event you’re on the lookout for a grace-filled, sensible strategy that helps you thrive in God’s Kingdom whereas making an everlasting impression, I extremely advocate True Monetary Freedom. In the event you want a structured, intensive plan to get out of debt quick, Monetary Peace College might be your finest wager. And in the event 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 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.
