Money touches every part of life, and kids start forming beliefs about it long before they ever earn their first dollar.
That’s why many Christian families and homeschool parents are searching for a financial literacy program that not only teaches budgeting or saving, but also builds character, gratitude, and a biblical mindset about stewardship.
The challenge?
Most financial literacy programs start late, often at age 13 or 14, or they’re entirely secular, focusing only on math and money mechanics. When comparing Christian financial literacy curriculum for kids, parents often find that most programs focus on teens. Rest Over Riches fills that gap with a faith-based money curriculum built for kids ages 6–14, blending biblical wisdom with hands-on learning.
That’s where Rest Over Riches comes in. Designed for kids ages 6–14, it helps families discover how to view money not as something to chase, but as something to steward for God’s purposes.
In this post, we’ll compare Rest Over Riches with several well-known values-based and Christian financial literacy curriculum for kids and explain what makes it stand out for elementary and middle-school learners.
The Financial Curriculums We Reviewed
To help parents and educators make informed choices, we looked at the most recognized names in Christian financial education:
- The Kingdom Code
- Boss Club
- MoneyTime Kids
- Foundations in Personal Finance: Homeschool Edition (Dave Ramsey)
- 7 Sisters Homeschool – Financial Literacy from a Christian Perspective
- Compass Financial Ministry
- Personal Finance Illustrated
Each has something valuable to offer — but as you’ll see, they serve slightly different ages, learning styles, and levels of biblical integration.
Quick Comparison at a Glance
| Program | Ages | Faith Integration | Format | Best For | Limitation |
| The Kingdom Code | 10-14 | Strong | Text + Activities | Aspiring entrepreneurs | More complex for ages <10 |
| Boss Club | 11-18 | Christian | Video + Projects | Teen entrepreneurs | Less parent-guided |
| MoneyTime Kids | 10-14 | Light / Values-neutral | Gamified online | Self-paced learners | Minimal faith tie-in |
| Foundations (Ramsey) | 14+ | Christian worldview | Video + Workbook | High-school courses | Too advanced for < 8th grade |
| 7 Sisters Homeschool | 14+ | Christian | Text workbook | Older teens | High-school focus |
| Compass Financial Ministry | 10+ | Deeply Biblical | Lesson series | Church groups | Not kid-specific |
| Personal Finance Illustrated | 13+ | Faith-optional | Illustrated text | Visual learners | Teen focus |
| Rest Over Riches | 6-14 | Faith-first | Interactive online + printables | Families + co-ops | Newer program (expanding) |
What Families Should Look For in a christian financial literacy curriculum for kids
When choosing a Christian financial literacy curriculum for kids, consider:
- Age-fit – Does it truly engage both elementary and middle-school students?
- Faith foundation – Is Scripture woven in, or simply sprinkled on?
- Core money skills – Does it teach earning, saving, giving, and investing in age-appropriate ways?
- Values emphasis – Does it develop contentment, generosity, and wisdom — not just wealth?
- Format – Are there stories, visuals, and hands-on projects?
- Parent role – Can parents learn alongside or lead easily at home?
- Group flexibility – Is it usable for homeschool co-ops, families, and church settings?
- Cost/licensing – One-time purchase, per-student, or family license?
How Financial curriculums compare
Most of the existing programs do an excellent job for teens, particularly those ready to start a business or plan for college. But for younger learners (ages 6–14), the content often skips the “heart work” and assumes kids already understand what money is or why it matters.
- The Kingdom Code: Outstanding for middle-school entrepreneurship but dense for younger children.
- Boss Club: Inspiring for older teens; less faith depth, more business practicality.
- MoneyTime Kids: Fun, interactive online game — secular, but strong concept reinforcement.
- Ramsey Foundations & 7 Sisters: Great biblical truth, but both target high-school level comprehension.
- Compass Financial Ministry: Theologically solid, yet written mainly for adults and church studies.
- Personal Finance Illustrated: Creative and visual, but assumes a teen audience.
Each offers something worthwhile — yet there’s a clear gap for younger, faith-driven learners.
Where Rest Over Riches Shines
1. Created for Ages 6–14
While most curricula start at 12 +, Rest Over Riches begins earlier — when money mindsets are still forming. Lessons are written in everyday language with visuals, stories, and short activities that grow in depth as children mature.
2. Faith Is the Foundation
Every unit connects financial wisdom to Scripture, not as an afterthought but as the core theme. Kids learn how work, earning, saving, and giving all reflect God’s character and design.
3. Heart Transformation, Not Just Head Knowledge
Instead of simply learning how to budget, students discover why stewardship matters: to serve others, honor God, and find peace in contentment.
4. Hands-On and Interactive
Rest Over Riches uses both printable activities and interactive online elements. Each section includes printable activities, creative games, and reflection questions to make learning active.
5. Three Core Sections
- What Is Money? – History, purpose, and mindset
- Earning Money – Work, gifts, integrity, and purpose
- Stewarding Money – Spending, saving, giving, investing wisely
These lessons progress naturally from curiosity to competence.
6. Unique Add-Ons
- The Payday Path: A practical “earn and manage” track where kids practice simple budgeting and planning.
- 10/10/10 Investment Challenge: Teaches saving and investing early in a fun, simulated way. Investing according to this program, if followed, could turn into to a meaningful retirement account when the child is decades older.
7. Built for Families + Co-ops
Flexible group licenses let parents, co-ops, or churches teach together. Lessons include “With Your Grown-Up” sections that turn teaching moments into real conversations.
Which christian financial literacy curriculum for kids Fits Your Family?
Each family’s goals and learning style are different. Some kids are just beginning to grasp what money is, while others are ready to explore how business ideas and creativity can serve others. Here’s a simple guide to help you compare curriculums and find the best fit for your child’s age and learning goals:
| Family Situation | Recommended Program | Why It Fits |
|---|---|---|
| Ages 6–9 — first exposure to money concepts | Rest Over Riches | Gentle, story-based lessons introduce what money is, why work matters, and how God calls us to steward it well. |
| Ages 10–14 — exploring work, purpose, and entrepreneurship concepts | Rest Over Riches | Teaches how businesses serve people, how honesty and creativity matter in earning, and how entrepreneurship fits into God’s design — without requiring a full business project. |
| Ages 11–14 — ready to launch an actual business project | The Kingdom Code | A strong Christian entrepreneurship curriculum that guides students step-by-step in creating and managing a real small business. |
| Teens 14+ — ready for advanced personal finance | Boss Club, Ramsey Foundations, or 7 Sisters | High school–level lessons covering budgeting, debt, investing, and business management. |
| Church group or adult Bible study setting | Compass Financial Ministry | A thorough, Scripture-rich study on biblical stewardship for older learners and adults. |
| Kids who love gamified, visual learning (light faith tie-in) | MoneyTime Kids or Personal Finance Illustrated | Fun, interactive online experiences ideal for visual learners or families wanting secular reinforcement. |
The Bottom Line
Choosing a Christian financial literacy curriculum for kids isn’t just about worksheets or videos — it’s about shaping how your kids see money, purpose, and God’s provision.
If your family wants a faith-based, age-appropriate, and values-rich course that helps kids ages 6–14 understand money through the lens of stewardship and simplicity, Rest Over Riches stands apart.
Through stories, Scripture, and hands-on learning, kids discover that money is not a treasure to chase — but a tool to serve and glorify God.
👉 Ready to Explore?
Visit RestOverRiches.com to learn more. Preview lesson one and enjoy the printable activity and end-of-lesson video, or join the Rest Over Riches Facebook group.
