Money is one of the most practical subjects a parent can teach, yet it is often one of the most overlooked in homeschooling.
Between math, reading, Bible, and life skills, the idea of teaching money can feel intimidating.
But what if money was not just another school subject?
What if it became a way to disciple your children, shaping their hearts and habits for life?
This guide will help you discover the best Christian homeschool money curriculum for kids, explore why teaching biblical money principles early matters, and show how Rest Over Riches helps families plant seeds of wisdom long before wealth ever enters the picture.
Why a Christian Homeschool Money Curriculum Matters
By age seven, most kids already form lasting attitudes about money: how they feel about spending, saving, and what “enough” means.
The world is teaching them something every day: buy more, compare constantly, and chase the next thing.
That is why a Christian homeschool money curriculum for kids is not simply about math or economics. It is about heart formation, helping children see money through a biblical lens before culture teaches them otherwise.
“For where your treasure is, there your heart will be also.” — Matthew 6:21
When we teach money from Scripture, we remind our kids that money is not bad but powerful. It can build or break character. It can serve or enslave. It can reflect gratitude or reveal greed.
The earlier they learn to view money as a tool from God rather than a treasure to chase, the freer and wiser they will be as adults.
What to Look for in a Christian Homeschool Money Curriculum for Kids
Not all programs are created equal. Some teach technical terms but skip biblical context, while others share great faith lessons but miss practical application.
Here is what makes a strong curriculum stand out:
1. Faith-first integration
Scripture should not appear as an afterthought or a “bonus verse.” It should anchor every concept, from work to saving to generosity.
2. Age-appropriate simplicity
Children ages six to fourteen need stories, visuals, and examples, not balance sheets. They should learn why before how.
3. Interactive learning
Discussion-based lessons, games, and hands-on exercises help kids experience principles rather than simply memorize them.
4. Focus on purpose over profit
Kids should see that work is part of God’s design, generosity brings joy, and contentment shows strength.
5. Homeschool-ready flexibility
Parents should be able to lead lessons confidently without needing a finance degree.
A great Christian homeschool money curriculum helps you guide your children toward financial wisdom that is rooted in faith, gratitude, and stewardship.
The Gap in Most Homeschool Programs
Many parents say, “We will teach budgeting later, once they are older.”
But if we wait until teens are ready to drive or get a job, we have already missed the window when money mindsets take shape.
Elementary and middle school years are when kids
- Learn what work means
- Notice what others have
- Form opinions about “more” versus “enough”
- Start linking effort with reward
That is why financial literacy for kids should start with principles, not percentages.
They do not need investment calculators. They need stories about honesty, purpose, and diligence.
That is what a Christian homeschool money curriculum for kids like Rest Over Riches provides: a bridge between biblical values and everyday decisions.
Introducing Rest Over Riches: A Christian Homeschool Money Curriculum for Kids
When we say “wisdom before wealth,” we mean it.
Rest Over Riches helps kids ages six to fourteen see money through the eyes of faith, connecting biblical truths to daily life in a way they will actually remember.
The flagship program, Money Explorers, includes thirty lessons that grow with your family. It is divided into three sections:
1. What Is Money?
Kids explore how money began, from bartering to coins to credit cards, and what it reveals about trust and value. They learn that God’s provision is never limited by paper or coins.
2. Earning Money
Work is not a punishment; it reflects God’s image in us.
Kids learn how effort, creativity, and integrity matter more than quick money.
They explore entrepreneurship ideas without the pressure to start a business project. Instead, they study how serving others creates real value.
3. Stewarding Money
This section introduces the “Four Baskets”: spend, save, give, and invest.
Kids practice balance, generosity, and delayed gratification. They also learn simple investing ideas, not with heavy math but clear concepts.
Each lesson connects back to Scripture and includes family prompts, printable activities, and creative challenges.
Sample lesson one of the Money Explorers course
How Rest Over Riches Differs from Other Programs
Unlike most curriculums that start in high school, Rest Over Riches begins when curiosity and imagination are strongest, in the early and middle years.
It is not about budgets first but about beliefs first.
It is not about creating entrepreneurs overnight but about teaching stewardship for life.
The goal is to raise kids who can someday make a budget with wisdom behind it.
Kids can know how to make a great budget on paper, but if they do not 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.
Compare how Rest Over Riches stacks up against other Christian programs in our Curriculum Comparison Guide.
Why It Fits the Homeschool Lifestyle Perfectly
Homeschool parents often worry about adding one more subject.
But this is one of those rare curriculums that integrates naturally into daily life.
You can talk about giving when your child donates toys.
You can discuss work when they do chores.
You can explain saving when they want something big.
Rest Over Riches turns everyday moments into discipleship moments without extra prep or long lectures.
Families love it because it is
- Faith-first: God’s Word anchors every concept.
- Flexible: Works for individual families or co-ops.
- Multi-age: Perfect for siblings aged six to fourteen.
- Simple: Short lessons and meaningful conversations.
- Interactive: Printable games, stories, and creative exercises.
Homeschool parents often say it is one of the few programs where everyone learns something, even the grown-ups.
Wisdom Before Wealth: The Heart of Rest Over Riches
Our culture tells kids to dream big, but often that means “get rich.”
God tells us to dream right, to be faithful with what we have and trust Him for more.
That is why Rest Over Riches, a Christian homeschool money curriculum for kids, flips the order. It teaches wisdom before wealth and stewardship before success.
“Whoever is faithful with very little will also be faithful with much.” — Luke 16:10
When kids learn to manage little things with integrity, they are preparing for the big responsibilities ahead: careers, giving, investing, and generosity that changes lives.
Start Teaching Stewardship That Lasts
It is never too early to teach your kids that money is more than numbers. It is a reflection of trust, gratitude, and purpose.
The Christian homeschool money curriculum for kids from Rest Over Riches equips families to start those conversations now in ways that are simple, scriptural, and memorable.
Whether you are a first-year homeschool family or a veteran mom of five, this curriculum gives you a way to teach life-changing lessons about stewardship without overwhelm.
Join the Rest Over Riches Homeschool Community Facebook Group and connect with parents teaching kids biblical wisdom about money.
