I just lately 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 fashionable applications all declare that can assist you get management of your funds from a biblical perspective. Nevertheless, they go about it in several methods with various instructing types and philosophies.
On this put up, I’ll present an in-depth take a look at every program – breaking down the distinctive options, strengths, weaknesses, and what’s really included whenever you purchase in.
My aim is to provide the actual deal on these programs so you’ll be able to decide which one (if any) is the very best 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 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
With regards 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 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 for those who purchase a number of licenses. Or there’s an annual church subscription beginning as little as $750 per yr primarily based on common attendance.
Probably 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 count on them to be the most affordable route for congregations.
However as you’ll see, there are loads 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 an attractive 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 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 charm, making contributors really feel like they’re studying from smart, caring associates moderately than aloof consultants. This strategy creates a protected, non-judgmental setting the place contributors can overtly talk about their monetary challenges and have fun 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 aren’t solely memorable but in addition 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 personalised monetary technique. Via interactive workshops, contributors are guided in creating a customized blueprint that matches their distinctive scenario, objectives, and values. This strategy acknowledges that there’s no one-size-fits-all answer to private 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 the best way to keep away from the extremes of being “so heavenly-minded they’re no earthly good” or turning 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 alter their monetary life and make a long-lasting distinction on the earth 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 fashionable (un)Budgeting strategy)
- Interactive workout routines and a workshop-style strategy
Course Define:
- Hope & Imaginative and prescient – Discover new hope to your funds via Biblical monetary ideas, break freed from defining your price by your internet price.
- Design Your Blueprint – Be taught the constructing block to 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 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)
Financial Peace University, created by Dave Ramsey and his workforce at Ramsey Options, is a extremely fashionable 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 contributors via 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 instructing fashion. He delivers hard-hitting truths about cash with a way of urgency and conviction that evokes contributors to take motion. Nevertheless, some could discover his strategy a bit intense and even abrasive at instances, likening it to going via bootcamp. Whereas this fashion resonates with some, it will 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 methodology, which entails paying off money owed from smallest to largest, no matter rates of interest. This strategy has confirmed extremely efficient in holding contributors motivated and serving to them expertise fast wins on their debt-free journey.
Whereas Monetary Peace College does incorporate some biblical ideas, 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 non secular implications of monetary 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 monitor. This system’s structured strategy and intense motivation generally is a lifeline for these feeling overwhelmed by their monetary scenario. Nevertheless, these looking for a extra personalised, grace-filled strategy that deeply integrates biblical knowledge could discover different applications extra interesting.
Included:
- 9 video classes strolling via 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 via budgeting
- Child Step 2 – Be taught 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 house, construct wealth
- Clever Spending – Outsmart advertising and marketing techniques 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 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 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 ideas to their lives, emphasizing the significance of seeing God as the last word supplier and proprietor of all assets.
One in every of MoneyLife’s distinguishing options is its sturdy concentrate on biblical teachings and non secular practices associated to cash. This system dives deep into exploring how our monetary selections can mirror our religion and values, encouraging contributors to align their cash administration with biblical ideas. This emphasis on the non secular facets of finance units MoneyLife aside from different applications that will focus extra closely on sensible methods.
The instructing fashion in MoneyLife tends to be extra tutorial and classroom-like in comparison with different applications. Individuals can count on 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 setting, it will not be as participating for people who thrive on interactive, video-based content material.
MoneyLife gives some distinctive components, comparable to character assessments that assist contributors perceive how their pure tendencies influence their monetary selections. This system additionally contains workout routines just like the switch of possession, which guides contributors in acknowledging God’s final possession of their assets. These introspective actions could be highly effective instruments for reshaping contributors’ mindsets and habits round cash.
Nevertheless, one potential downside of MoneyLife is that its emphasis on biblical ideas and non secular 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 have interaction in a extra studious, reflective studying course of. This system is well-suited for individuals who wish to discover the non secular foundations of monetary stewardship and align their cash habits with their religion. Nevertheless, these primarily searching for 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 practical spending plan aligned with God’s perspective
- Ditching Debt – Obtain debt freedom utilizing biblical reality 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 – Establish 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:
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 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 ideas, seeing Him as the last word supplier, and aligning their funds with Biblical values. |
Strategy | -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 centered on getting out of debt utilizing a confirmed system of “Child Steps”. -Incorporates some biblical ideas however is extra secular in its general strategy. |
-Leans deeply into the biblical and non secular aspect of cash administration. -Emphasizes seeing God as the last word supplier.-Can really feel a bit extra theoretical at instances. |
Instructing Model | -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 associates. |
-A number 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 tutorial 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 fashion 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 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. |
-Provides some useful personalised 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 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 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 ideas. -Character evaluation to seek out and leverage your gifting. |
Excellent 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 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 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 position in our funds, with a concentrate on non secular practices and mindset shifts. -Those that don’t thoughts a extra tutorial, reading-heavy strategy. |
Private Expertise and Suggestions
Having gone via all 3 applications, 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 instructing fashion 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 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 stay under 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 steadiness 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 important methods since taking this system.
For individuals 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 course 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 setting.
If you happen to’re looking for a program that deeply explores the biblical ideas behind cash administration, Crown’s MoneyLife is perhaps the suitable match for you. This system’s emphasis on non secular practices and aligning your funds along with your religion could be extremely highly effective for individuals who wish to develop of their understanding of God’s perspective on wealth. Nevertheless, be ready for a extra tutorial, reading-intensive studying expertise and fewer concentrate on extremely sensible, actionable methods.
In the end, the very best program for you’ll rely in your distinctive monetary scenario, studying fashion, and private objectives. If you happen to’re searching for a grace-filled, sensible strategy that helps you thrive in God’s Kingdom whereas making an everlasting influence, I extremely advocate True Monetary Freedom. If you happen to want a structured, intensive plan to get out of debt quick, Monetary Peace College might be your greatest guess. And for those who 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 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.