Monetary Peace College vs. True Monetary Freedom vs. Crown Monetary MoneyLife

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 packages all declare that will help 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 put up, I’ll present an in-depth take a look at every program – breaking down the distinctive options, strengths, weaknesses, and what’s truly included whenever you purchase in. 

My purpose is to provide the actual deal on these programs so you possibly can decide which one (if any) is the very best match for remodeling your monetary life in a approach that aligns together with your religion. Whether or not you’re deep in debt, constructing wealth, or just attempting to honor God together with your cash, this comparability will assist information your journey.

Let’s dive into the nitty-gritty particulars of every program:


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 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 may get a bulk pupil license for as little as $48 per individual when 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 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 truly 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 a gorgeous 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 affect for God’s Kingdom.

screenshot of Seedtime homepage for True Financial Freedomscreenshot of Seedtime homepage for True Financial Freedom

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 contributors really feel like they’re studying from clever, caring associates slightly than aloof consultants. This strategy creates a protected, non-judgmental atmosphere the place contributors can overtly 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 are usually not 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. By means of interactive workshops, contributors 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 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 changing into so centered 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 stability wanted to vary their monetary life and make an enduring distinction on the earth within the course of.


  • 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 fashionable (un)Budgeting strategy)
  • Interactive workout routines and a workshop-style strategy

Course Define:

  1. Hope & Imaginative and prescient – Discover new hope in your funds via Biblical monetary rules, break freed from defining your value by your internet value.
  2. Design Your Blueprint – Be taught the constructing block in your new plan, the “By no means 100” rule to regulate earnings/spending.
  3. Straight A Technique – Automate your funds utilizing a easy 4-step ‘set it and neglect it’ course of.
  4. Earn Extra – Unlock your God-given items and skills to earn extra within the digital period.
  5. Everlasting Influence – Redefine giving as an everlasting funding and epic journey (not an obligation).
  6. 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 staff at Ramsey Options, is a extremely fashionable 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 contributors via a confirmed, step-by-step strategy to taking management of their cash and attaining monetary peace.

Dave Ramsey's Baby StepsDave Ramsey's Baby Steps

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 evokes contributors to take motion. Nevertheless, some could discover his strategy a bit intense and even abrasive at occasions, likening it to going via bootcamp. Whereas this fashion resonates with some, it might not be everybody’s most popular 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 technique, which includes paying off money owed from smallest to largest, no matter rates of interest. This strategy has confirmed extremely efficient in conserving 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 non secular implications of monetary stewardship.

Monetary Peace College is finest 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 could be a lifeline for these feeling overwhelmed by their monetary state of affairs. Nevertheless, these looking for a extra personalised, grace-filled strategy that deeply integrates biblical knowledge could discover different packages extra interesting.


  • 9 video classes strolling via 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 via budgeting
  • Child Step 2 – Be taught the debt snowball technique 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 faculty, repay dwelling, construct wealth
  • Smart Spending – Outsmart advertising ways 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 Residence – 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 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 sources.

Considered one of MoneyLife’s distinguishing options is its sturdy give attention to biblical teachings and non secular practices associated to cash. This system dives deep into exploring how our monetary choices can replicate our religion and values, encouraging contributors to align their cash administration with biblical rules. This emphasis on the non secular elements of finance units MoneyLife other than different packages 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 packages. Individuals can count on a big quantity of studying supplies and written assessments all through the course. Whereas this strategy could attraction to those that desire a studious studying atmosphere, it might not be as participating for people who thrive on interactive, video-based content material.

MoneyLife gives some distinctive components, corresponding to character assessments that assist contributors perceive how their pure tendencies affect their monetary choices. This system additionally contains workout routines just like the switch of possession, which guides contributors in acknowledging God’s final possession of their sources. These introspective actions will be highly effective instruments for reshaping contributors’ mindsets and habits round cash.

Nevertheless, one potential disadvantage of MoneyLife is that its emphasis on biblical rules 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 interact in a extra studious, reflective studying course of. This system is well-suited for many 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 straightforward monetary technique or a extra interactive studying expertise could discover different packages that higher match their wants.


  • 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)

  1. Unwavering Hope – Discover unshakable hope in God because the true supplier
  2. The Plan – Develop a sensible spending plan aligned with God’s perspective
  3. Ditching Debt – Obtain debt freedom utilizing biblical reality and sensible instruments
  4. Saving – Set brief and long-term financial savings targets to steward sources effectively
  5. Investing – Construct an funding portfolio to create a legacy of generosity
  6. Good Work – Establish your function to expertise achievement in your profession
  7. Beneficiant Dwelling – Overcome obstacles to expertise the enjoyment of dedicated giving
  8. Paying It Ahead – Uncover methods to switch knowledge to future generations
  9. True Riches – Align spending with wants vs. needs to pursue true wealth
  10. 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 provide Christians a Biblical framework and sensible instruments to allow them to handle cash properly, 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 steerage.
-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 non secular aspect of cash administration. -Emphasizes seeing God as the last word supplier.-Can really feel a bit extra theoretical at occasions.
Educating Type -Participating, 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 clever, caring associates.
-Numerous 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 personalised cash technique tailor-made to your distinctive state of affairs and targets.
-Nobody-size-fits-all plans, you construct a blueprint that actually 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 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 give attention to leveraging your distinctive God-given abilities to extend your earnings.
-Everlasting Influence as the last word purpose (giving, investing within the Kingdom, and so on..)
-Iconic “debt snowball” technique 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.
-Character evaluation to search out and leverage your gifting.
Good for… -Those that wish to discover ways to actually 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 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 give attention to 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 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 fashion 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 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 under my means and automate my financial savings and giving. It was good for somebody like myself who didn’t need a sophisticated, 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 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 sort out debt head-on. The debt snowball technique, particularly, 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.

In case you’re looking for a program that deeply explores the biblical rules behind cash administration, Crown’s MoneyLife is perhaps the correct match for you. This system’s emphasis on non secular practices and aligning your funds together with your religion will be extremely highly effective for many 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 give attention to extremely sensible, actionable methods.

In the end, the very best program for you’ll rely in your distinctive monetary state of affairs, studying fashion, and private targets. In case 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. In case you want a structured, intensive plan to get out of debt quick, Monetary Peace College could possibly be your finest guess. And when you want 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 outfitted to deal with the sources God has entrusted to you and expertise the enjoyment and freedom that comes from aligning your funds together with your religion.

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