Money can be one of the hardest topics to teach — even for adults who love Jesus and want to live wisely. But when it comes to our kids, the earlier we start shaping how they think about money, the better.
That’s why many Christian homeschool families are searching for the best Christian financial literacy curriculum for kids — a faith-based program that teaches not only math and money, but also purpose, stewardship, and gratitude.
This 2025 guide will walk you through the top options available for kids and pre-teens and explain why Rest Over Riches is uniquely designed to meet children where they really are: learning to connect money with meaning.
Why Start Financial Literacy Early?
Research shows that by age 7, most children already form lasting ideas about money — what it means, how it’s used, and how it feels to have or lack it.
Yet nearly all financial courses begin in high school.
That’s a huge gap.
Elementary and middle-school kids don’t need balance sheets or retirement plans — they need stories, examples, and hands-on activities that make money make sense.
Between the constant pull of ads, social media trends, and “I want it now” culture, kids today are forming money habits long before they have their first job.
Kids can know how to make a great budget on paper, but if they don’t understand God’s principles for managing money wisely, that budget can only take them so far. True financial literacy starts with the heart, not just the numbers — teaching children why to handle money well before how to.
A good Christian curriculum for ages 6–14 should:
- Teach that money is a tool, not a treasure
- Connect work and effort with purpose
- Build gratitude, generosity, and self-control
- Use simple terms and fun examples
- Root every lesson in biblical truth
What Makes a Financial Curriculum “Christian”?
Faith-based financial education isn’t just about tacking on a Bible verse.
It’s about framing money the way God does — as something to steward, not to serve.
A Christian financial curriculum should:
- Integrate Scripture naturally (not as decoration)
- Show how work, giving, and saving reflect God’s design
- Encourage character — honesty, diligence, generosity
- Balance practicality with spiritual formation
This approach turns money from a math lesson into a discipleship moment — helping kids connect their choices to their faith.
Top Christian Financial Literacy Programs for Kids & Families (2025)
Here’s a look at some of the leading curriculums Christian parents are using today:
| Program | Ideal Ages | Faith Depth | Format | Highlights |
|---|---|---|---|---|
| The Kingdom Code | 10 – 14 | Strong | Text + Activities | Teaches entrepreneurship & responsibility |
| Boss Club | 11 – 18 | Christian | Video + Projects | Business-launch experience for teens |
| MoneyTime Kids | 10 – 14 | Light / Values-neutral | Online Gamified | Fun & visual; minimal faith tie-in |
| 7 Sisters Homeschool | 14 + | Christian | Text Workbook | Biblical lessons for high schoolers |
| Compass Financial Ministry | 10 + | Deeply Biblical | Lesson Series | Stewardship studies for families / churches |
| Rest Over Riches | 6 – 14 | Faith-first | Interactive Online + Printables | Foundational introduction to money, work & stewardship |
These are some of the best Christian financial literacy curriculum for kids.
Each of these has its strengths, but if you’re teaching younger learners (elementary through middle school), there’s one clear gap most families discover:
The missing introduction, where biblical principles and basic money concepts come together.
Compare other Christian financial literacy curriculum for kids
Why Rest Over Riches Fills the Gap
Many Christian courses dive straight into budgeting, debt, and investing.
Those lessons are excellent for high schoolers — but most 8-year-olds (or even 12-year-olds) aren’t managing credit cards or income streams.
Rest Over Riches takes a different approach: it builds the heart first.
Ages 6–14 Appropriate
Designed for families, co-ops, and Christian schools, Rest Over Riches introduces key ideas through:
- Interactive stories
- Hands-on activities
- Printable lessons
- Biblical reflection and prayer prompts
Kids don’t just learn about money — they learn about motives, purpose, and God’s design for work and provision.
Inside the Money Explorers Course
At the heart of Rest Over Riches is the Money Explorers course — a 30-lesson journey built around three simple questions:
- What Is Money?
- The history and purpose of money
- Why it’s limited — and why God isn’t
- Fun timeline and real-world examples
- Earning Money
- Why work is good (Ephesians 2:10)
- Discovering gifts, time, and effort
- Exploring entrepreneurship and business concepts without requiring a project
- Building integrity in earning
- Stewarding Money
- The “four baskets” — spend, save, give, invest
- Early introduction to saving and simple investing ideas
- Understanding how generosity and wisdom grow together
It’s an introductory curriculum — a “first step” into financial literacy that lays biblical and emotional foundations before diving into budgets or advanced planning.
And that’s exactly what’s missing in most other programs.
Rest Over Riches may not be the best Christian financial literacy curriculum for kids, but it fills a huge gap in Christian curriculum for elementary and middle school kids today.
See the full Money Explorers lesson overview
What Kids Learn
- Purpose — Work is part of God’s good design.
- Contentment — Happiness doesn’t come from having more.
- Responsibility — We’re managers of what God gives.
- Generosity — Giving is how we join God’s work in the world.
- Wisdom — Simple habits today shape tomorrow’s freedom.
These lessons help families raise peaceful, purposeful, financially aware kids — long before “personal finance” ever becomes a school subject.
Why Homeschool Families Love It
- Faith-first, not faith-added — every concept flows from Scripture.
- No business start-up pressure — entrepreneurship is taught, not assigned.
- Hands-on learning — printables, activities, and family discussion prompts.
- Multi-age friendly — ideal for siblings 6–14 learning together.
- Designed for home or co-op use — easy to facilitate, low prep.
How Rest Over Riches Compares to Others
| Rest Over Riches | The Kingdom Code | Boss Club | MoneyTime Kids | |
|---|---|---|---|---|
| Ages Served | 6 – 14 | 10 – 14 | 11 – 18 | 10 – 14 |
| Faith Integration | Core to every lesson | Strong | Moderate | Light |
| Entrepreneurship | Conceptual (no project) | Full business project | Launch project | None |
| Depth of Finance Topics | Introductory | Intermediate | Advanced | Intermediate |
| Format | Print + Online Interactive | Text + Workbook | Video Projects | Gamified Online |
| Family Use | Ideal for homeschool | Best for individual | Teen-focused | Self-paced |
Setting the Right Expectations
Parents sometimes ask, “Does Money Explorers teach full budgeting or investing strategies?”
Not yet, and that’s intentional. Rest Over Riches focuses on the why before the how.
It’s the foundation before spreadsheets — the mindset before math.
Kids come away understanding that:
Money is something God entrusts to us, not something that defines us.
When that truth sinks in early, budgeting and investing later make sense and stay rooted in faith.
Foundational money lessons for ages 6–14
The Takeaway
When looking for the best Christian financial literacy curriculum for kids, there’s no shortage of financial courses, but few speak to the heart of a child, or help them connect faith with finances.
If your goal is to build a biblical foundation that helps your kids see money as a tool to serve God and others, Rest Over Riches and its Money Explorers course are where to begin.
It’s the missing first step — the bridge between Bible stories and financial wisdom — for the next generation of stewards.
Start Exploring
Visit RestOverRiches.com to learn more about the Money Explorers course, preview sample lessons, or join our Christian homeschool financial literacy community for family resources and updates.
