I not too long ago accomplished three of the highest Christian monetary education schemes 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 educating kinds 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 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 most effective match for remodeling your monetary life in a approach 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 terms 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 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 will get a bulk scholar license for as little as $48 per individual if you happen to purchase a number of licenses. Or there’s an annual church subscription beginning as little as $750 per yr primarily based on common attendance.
Essentially the most reasonably priced possibility 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 lots extra variations past simply the worth 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 attractive 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 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 associates reasonably than aloof specialists. This strategy creates a secure, non-judgmental atmosphere the place members can brazenly talk about their monetary challenges and have a good time their progress.
This system presents 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 are usually not solely memorable but in addition 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 personalised monetary technique. By means of interactive workshops, members are guided in growing a customized blueprint that matches their distinctive state of affairs, targets, and values. This strategy acknowledges that there’s no one-size-fits-all answer to non-public finance and empowers members 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 members tips on how to 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 stability wanted to vary their monetary life and make a long-lasting 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 accessible)
- Entry to their Actual Cash Budgeting course (their common (un)Budgeting strategy)
- Interactive workouts and a workshop-style strategy
Course Define:
- Hope & Imaginative and prescient – Discover new hope in your funds by way of Biblical monetary rules, break freed from defining your price by your internet price.
- Design Your Blueprint – Be taught 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 items and abilities 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)
Monetary Peace College, created by Dave Ramsey and his group at Ramsey Options, is a extremely common monetary schooling program that has helped numerous people and households get out of debt and construct wealth. This system’s major aim is to information members by way 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 understood 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. Nonetheless, some could discover his strategy a bit intense and even abrasive at occasions, likening it to going by way of bootcamp. Whereas this type 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 strategy has confirmed extremely efficient in preserving 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 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 state of affairs. 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 way of the 7 Child Steps
- 1 yr entry to the video classes
- 3 months entry to EveryDollar budgeting app
- Group monetary teaching for 1 yr
- 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 way of 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 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 House – 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 schooling program that takes a deeply biblical strategy to cash administration. This system’s major 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 last word supplier and proprietor of all assets.
Considered one of MoneyLife’s distinguishing options is its robust concentrate on biblical teachings and religious practices associated to cash. This system dives deep into exploring how our monetary choices can replicate our religion and values, encouraging members to align their cash administration with biblical rules. This emphasis on the religious points 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. Members can anticipate a major quantity of studying supplies and written assessments all through the course. Whereas this strategy could enchantment to those that favor a studious studying atmosphere, it is probably not as partaking for people who thrive on interactive, video-based content material.
MoneyLife presents some distinctive parts, comparable to persona assessments that assist members perceive how their pure tendencies affect their monetary choices. This system additionally consists of workouts just like the switch of possession, which guides members in acknowledging God’s final possession of their assets. These introspective actions will 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 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 individuals who need 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 straightforward 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 lot 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 reality and sensible instruments
- Saving – Set brief 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 goal 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 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) |
| Objective | 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 rules, seeing Him as the last 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 approach 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 aspect of cash administration. -Emphasizes seeing God as the last word supplier.-Can really feel a bit extra theoretical at occasions. |
| Instructing Fashion | -Partaking, relatable, and empowering (feels up-to-date with the trendy ‘YouTube’ period of on-line studying). -Actual-life tales with humor and style, making the course really feel like a dialog with sensible, caring associates. |
-Numerous 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. -Will not be as partaking for all studying varieties. |
| Personalization | -The interactive workshop type guides you in creating a personalised cash technique tailor-made to your distinctive state of affairs and targets. -Nobody-size-fits-all plans, you construct a blueprint that actually matches your life. |
-Gives a transparent, prescriptive set of “Child Steps” to observe 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 personalised 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 powerful concentrate on leveraging your distinctive God-given abilities to extend your earnings. -Everlasting Influence as the last word aim (giving, investing within the Kingdom, and so forth..) |
-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. -Character evaluation to seek out and leverage your gifting. |
| Excellent for… | -Those that need to learn to really 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 want a deeply biblical exploration of God’s position 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 by way of 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 associates 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 state of affairs and targets.
The “By no means 100” rule and “Straight A” technique have turn into cornerstones of my monetary habits, serving to me reside beneath 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 join an intense ‘disgrace & blame’ session both.
Personally, True Monetary Freedom struck that stability 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 vital 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 strategy and the step-by-step “Child Steps” system can present the motivation and path wanted to sort out debt head-on. The debt snowball methodology, 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 atmosphere.
When you’re looking for a program that deeply explores the biblical rules behind cash administration, Crown’s MoneyLife may be the precise match for you. This system’s emphasis on religious practices and aligning your funds along with your religion will 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 concentrate on extremely sensible, actionable methods.
In the end, the most effective program for you’ll rely in your distinctive monetary state of affairs, studying type, and private targets. When you’re in search of a grace-filled, sensible strategy that helps you thrive in God’s Kingdom whereas making an everlasting affect, I extremely suggest True Monetary Freedom. When you want a structured, intensive plan to get out of debt quick, Monetary Peace College could possibly be your finest guess. And if you happen to want a deep dive into the biblical foundations of cash administration, MoneyLife is price contemplating.
No matter which program you select, a very powerful factor is to take motion and put money into your monetary schooling. By doing so, you’ll be higher geared up 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.
