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 well-liked packages all declare that will help 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 put up, I’ll present an in-depth have a look at every program – breaking down the distinctive options, strengths, weaknesses, and what’s really 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 means that aligns along with your religion. Whether or not you’re deep in debt, constructing wealth, or just attempting 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
Relating to 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 out there 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 particular person in the event 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 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 cost effective 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 an attractive steadiness 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 instructing model 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 pals quite than aloof consultants. This strategy creates a protected, non-judgmental atmosphere the place contributors can brazenly focus on their monetary challenges and have a good time 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 aren’t solely memorable but in addition extremely actionable in serving to contributors take management of their cash and construct lasting wealth.
One other power of True Monetary Freedom is its emphasis on creating a personalised monetary technique. By means of interactive workshops, contributors are guided in growing a customized blueprint that matches their distinctive scenario, objectives, and values. This strategy acknowledges that there’s no one-size-fits-all resolution to non-public finance and empowers contributors 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 contributors keep away from the extremes of being “so heavenly-minded they’re no earthly good” or changing into so centered 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 steadiness wanted to vary 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 out there)
- Entry to their Actual Cash Budgeting course (their well-liked (un)Budgeting strategy)
- Interactive workouts and a workshop-style strategy
Course Define:
- Hope & Imaginative and prescient – Discover new hope on your funds by Biblical monetary rules, break freed from defining your value by your web value.
- Design Your Blueprint – Study the constructing block on 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 items and skills 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)
Financial Peace University, created by Dave Ramsey and his group 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 major purpose is to information contributors 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, powerful love instructing model. He delivers hard-hitting truths about cash with a way of urgency and conviction that evokes contributors 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 model 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 includes paying off money owed from smallest to largest, no matter rates of interest. This strategy has confirmed extremely efficient in maintaining contributors 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 economic stewardship.
Monetary Peace College is greatest suited to people and households who’re drowning in debt and want a transparent, actionable plan to get again on observe. This system’s structured strategy and intense motivation is usually a lifeline for these feeling overwhelmed by their monetary scenario. Nonetheless, these looking for a extra personalised, grace-filled strategy that deeply integrates biblical knowledge could 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 acquire 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 dwelling, construct wealth
- Smart Spending – Outsmart advertising and marketing 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, supplied by Crown Monetary, is a monetary training program that takes a deeply biblical strategy to cash administration. This system’s major 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 sources.
One in every of MoneyLife’s distinguishing options is its robust deal with biblical teachings and religious practices associated to cash. This system dives deep into exploring how our monetary selections can replicate our religion and values, encouraging contributors 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 instructing model in MoneyLife tends to be extra tutorial and classroom-like in comparison with different packages. Members can anticipate a big quantity of studying supplies and written assessments all through the course. Whereas this strategy could enchantment to those that want a studious studying atmosphere, it is probably not as partaking for people who thrive on interactive, video-based content material.
MoneyLife provides some distinctive components, akin to character assessments that assist contributors perceive how their pure tendencies affect their monetary selections. This system additionally contains workouts just like the switch of possession, which guides contributors in acknowledging God’s final possession of their sources. These introspective actions might be highly effective instruments for reshaping contributors’ 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 right for Christians who’re looking 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. Nonetheless, these primarily searching for a easy and simple monetary technique or a extra interactive studying expertise could discover different packages 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
- 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 fact and sensible instruments
- Saving – Set brief and long-term financial savings objectives to steward sources effectively
- Investing – Construct an funding portfolio to create a legacy of generosity
- Good Work – Establish your function 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 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) |
| Objective | To offer 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 rules, seeing Him as the last 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 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 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 style, making the course really feel like a dialog with smart, caring pals. |
-A whole lot of power and motivation, however his model 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 partaking for all studying varieties. |
| Personalization | -The interactive workshop model guides you in creating a personalised cash technique tailor-made to your distinctive scenario and objectives. -Nobody-size-fits-all plans, you construct a blueprint that really 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 permit as a lot flexibility for particular person circumstances. |
-Gives 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 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 robust deal with leveraging your distinctive God-given skills to extend your earnings. -Everlasting Influence as the last word purpose (giving, investing within the Kingdom, and many others..) |
-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. -Persona evaluation to search out and leverage your gifting. |
| Good 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 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 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 need a deeply biblical exploration of God’s position in our funds, with a deal with 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 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 model 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 personalised monetary technique was a game-changer for me, because it helped me develop a plan that match my distinctive scenario and objectives.
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 need 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 listing 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 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 route 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.
When you’re looking for a program that deeply explores the biblical rules behind cash administration, Crown’s MoneyLife may be the correct 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 deal with extremely sensible, actionable methods.
Finally, the perfect program for you’ll rely in your distinctive monetary scenario, studying model, and private objectives. When you’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. When you want a structured, intensive plan to get out of debt quick, Monetary Peace College may very well be your greatest guess. 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, an important factor is to take motion and put money into your monetary training. 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 along with your religion.
