A course for your church, small group or youth ministry

Nobody taught you how money works. That was never your fault.

Most of the people in your ministry are already paying for what nobody taught them: a car loan, a student loan, a card that never seems to go down. Nine short sessions, built for their age and their paycheck, that show them what it all really costs, and free them to say yes when God calls.

Watch session 1 freeSee all nine
The only loan math you need
you borrow

Say you borrow $55,000 for school, at today's rate. By the time it is paid off, how much have you handed back?

Pick one. No sign-up, no catch.

Where are you right now?

Start with the thing that is bugging you.

You do not have to start at the beginning. Pick the one that sounds like your life.

I've got a car paymentSee what the loan really costs, and whether you already owe more than the car is worth.Student loans are coming, or already herePut your own number in and watch what happens to it over ten years.My card balance never goes downWhy the minimum payment is designed that way, and how to get out.I have no idea where my money goesAdd up what life actually costs where you live, then see the wage it really takes.I want to save, but I'm brokeWhat a small amount does if you start now, versus a bigger one if you wait.I lead a group and want to teach thisEverything you need to run it: a guide for each session, a code for your group, and their results.
The course

Nine sessions, in the order life hands them to you.

Credit first, because it quietly sets the price of everything after it. Retirement last, because by then you can see what waiting costs.

No jargon, no homework, nothing you need to know beforehand. Every calculator used in a lesson is on this site, free, so you can put your own numbers in.

  1. 01The number that prices your lifeFreeWhat a credit score actually is, the five factors behind it, and the same card, car and house priced for two different people.
  2. 02The most expensive money you can borrowCredit cardsRevolving interest, minimum payments, and why $1,000 at 24% takes five years and change to clear if you pay what they ask.
  3. 03Getting outPaying off debtAvalanche versus snowball, what extra payments really do to a schedule, and the order to attack in.
  4. 04Where it all goesBudgetingBuilding a real budget from real local numbers, and finding the hourly wage it actually takes to cover your life.
  5. 05The eighth wonderSaving and compoundingTwo people, the same monthly amount, six years apart. The gap at 65 is the whole argument for starting now.
  6. …Four more: cars, housing, taxes, and putting it all togetherSee all

Get the rest of the course

Session 1 is free in full. We’ll tell you when the others land.