Learn to Manage Money for God’s Glory without the guilt or shame
In this grace-filled class, we arm you with specific strategies that work today and Biblical mindsets to develop. You’ll leave encouraged, inspired, and with a personalized money system thatâs clear and easy to follow so you can begin living a life of True Financial Freedom.
A 21st-century Christian Financial Class for your church or small group
Our brand new True Financial Freedom 6-session course is a Biblically sound financial class where you don’t just learn textbook theory but the exact apps and tools that we use to simplify your financial life.
And it’s kind of like having coffee with friends who are here to encourage, inspire, and help rekindle the dreams God put in your heart.
“4 months later, people are still telling of the new levels of freedom they found.”
Lifegate Church has tried several Christian financial curriculums over the last five years. They found that they all focused on the spiritual side with no real-world application or just on the nuts and bolts without integrating Biblical truths.
In October 2023, they invited their church to join, and they ended up getting over 110 attendees to the program. Over the months that followed, the attendees made significant financial progress in their own lives, and Lifegate saw generosity increase across the board from everyone who attended.
They told us, “What I love the most about what you guys do is it’s incredibly practical and deeply spiritual at the same time… This was incredible that it did both and in such a clear and easy way.”
“After the giving session, my wife and I decided to double our giving from 10% to 20%
âUriah F. (TFF student)
See what True Financial Freedom is all about:
We donât teach textbook âtheoryâ that worked two decades ago.
Instead, we obsessively study what is actually working today while filtering it all through a Biblical lens.
We then test it ourselves, and then we share our firsthand experience of what works with our students.
So this is less âtextbookâ theory and more learning directly from mentors who have been there and worked through it.
The True Financial Freedom Philosophy
We help you live totally free for the advancement of the kingdom
The True Financial Freedom class is a whole new way of looking at money. Less about constantly saying NO with your money and more about discovering the freedom to say YES. Less penny-pinching and more thriving in your God-given gifts and talents.
Spend less time thinking about money and get far better results.
Here’s the thing. You don’t have to be a financial expert, spend 10 hours a week budgeting, or read 100 money books to succeed financially. We focus on teaching our set-it-and-forget-it methods of managing money because we always prioritize simplicity. This leaves you with a simple money system that will help you spend less time managing money than you currently are.
We can’t serve God and money, but we can serve God with money
As Christians, we have a different set of money rules. Yet most of us are unknowingly playing by the world’s rules and wondering why it isn’t working out. We help you tap into the unfair advantage we (as Christians) have with our financial lives.
We help you quickly and easily get your money sorted out because you need to get on with your life and the work God has called you to without money getting in the way.
Money is simply a tool God provides to help us do the task He’s given us
True financial freedom is less about yachts and private islands and more about being free to fulfill your God-given purpose. Money is simply a tool God provides to help us do the task He has given us. Sure, when you can afford it, get your private island and send us an invite đ but the key is always in seeking Him first, never the stuff.
“… after attending your True Financial Freedom class, we increased our annual giving percentage by 14%“
âTyson and Meesah K. (TFF Students)
Most financial experts use guilt and shame; we prefer grace and empathy
Most financial experts use guilt and shame; we prefer grace and empathy. After teaching 10,000+ students over 15 years, we’ve learned that people are already burdened with financial guilt and shame. We don’t need to add more.
Instead, we lead with grace and create a judgment-free space to learn, grow, and discover the freedom that comes from aligning your finances with God’s will. Our approach empowers you to break free from shame and embrace hope, purpose, and abundance on your unique financial journey.
Bring True Financial Freedom to your church or group today!
Course Overview
The True Financial Freedom class/workshop is divided into 6 on-demand video sessions designed to last about 90 minutes each.
Each session is full of specific and practical action steps, real-life stories, life-changing revelations, and, dare we even say, fun.
And each is designed to inspire and give hope in this area of finances where there is so much guilt and shame present.
How True Financial Freedom is laid out:
Session 1: Hope & Vision
In 2 Chron 20, God required Judah to show up to the battle line (even though He was fighting the battle for them).
The same is true with our finances… The Battle Is His, but We Have to Show Up!
One practical way we show up to the battle with our finances is by tracking exactly what God has entrusted us to manage.
This is because we are not owners but managers of everything in our possession.
In this session, you’ll be given the assignment of calculating what we call ‘Assets Under Management’ (a term we feel is more Biblically rooted than ‘Net Worth’). This number will serve as our “scoreboard” moving forward to motivate you toward progress and show you exactly how to manage your resources well for your success & His glory!
Session 2: Design Your Blueprint
Here’s the problem: You can learn tactics on how to save more money, how to increase your income, or how to invest, but none of that matters if you’re spending 105% of your monthly income.
If you want to succeed financially, you have to start with the Never 100 Rule.
Simply put, the rule is this: never spend 100% of your monthly income. It doesn’t matter how wildly your income fluctuates; do absolutely everything in your power to never spend 100% of what you earn in a given month. By doing so, you will be able to give with joy and set the foundation to save/invest for the future.
In this session, students are given 3 different approaches that will clarify spending habits and you’ll leave more motivated than ever to tell your money exactly where you want it to go.
Session 3: Simplify & Declutter
Now that you know the Never 100 rule, how do you use it?
In this lesson, I’ll show you how to use the “Straight-A Strategy” as your step-by-step process to achieve the Never 100 rule consistently, month after month, year after year:
- Pay Attention – According to Pearson’s law, when performance is measured, performance improves.
- Start Automating – Financial success never depends on willpower; instead, make the most important financial tasks automatic.
- Make Adjustments – Have a plan before your income fluctuates so you can manage the peaks and valleys of your finances with grace.
- Get Accountability – Make your money go where YOU want it to go through simple budgeting that makes accountability effortless.
Regardless of whether your income follows the curve of a pro athlete, a career janitor, or anything in between, the Straight-A Strategy will accelerate your financial and generosity goals faster than you thought possible.
Session 4: Earn (More) With Purpose
Earn more ‘with purpose’ through your God-given gifts!
Whether you’re an employee, freelancer, stay-at-home parent, business owner, or anything else, you were meant to thrive in the work that God created you to do.
In this session, we’ll show you how:
You’ll begin by identifying skills to better serve your boss, clients, co-workers, or anyone else with what we call the ’11-star experience’ exercise (that AirBNB claims as a ‘secret sauce’ to their success).
We’re giving you the keys to earning more in the digital era so you can stop dreading Monday morning and actually enjoy meaningful work that supports your financial goals.
Session 5: Make Eternal Impact
Are you ready to see giving in a whole new light?
We believe our financial success shouldn’t be measured by how much we accumulate but by how much we give.
So, in this session, we’ll shift your view of giving from an unwelcome obligation into the real adventure of a lifetime that God invites us to join Him on.
Plus, we’ll let you in on the practical strategies we’ve used to grow in generosity and make giving more fun than you would ever imagine.
Session 6: Multiply & Enjoy
Did you know in less than 30 years, every human on the planet could have their own apple orchard? All it would take is the well-managed seeds from one single apple.
The connection to our lives is clear: when we work with (and not against) God’s system of Multiplication, financial progress is simple and exponential.
How do we work with God to get this benefit? By never eating all our ‘seed’!
According to 2 Cor 9:10, some is meant to be eaten, and some is meant to be given (and invested). This means taking a percentage every month to give, save, or invest.
In this session, you will learn practical ways to “plant seeds” that will grow for you in the natural realm (through compound interest) and in the spiritual realm (through our giving).
âBob’s giving away all of the tips, tricks, and tactics he employed to personally overcome $400,000 in debt and hit his own generosity stretch goal of giving away a million dollars. His story is amazing, but it doesn’t have to be unique! (It’s) full of big steps made in faith, and it’s also full of practical, actionable advice to help you reach your own financial goals.âÂ
âMark Batterson, Pastor & NY Times bestselling author
Available formats:
1. On-demand for churches & small groups
If you are looking for an on-demand financial class/curriculum for your church, then this is the best option. Anyone can be a facilitator because, basically, all that is required is to press play and pause to allow for a few moments of discussion.
2. LIVE for larger groups (100+)
Occasionally, and as the schedule allows, we will present the class to a large group over Zoom. This is great for those groups who want more of a personalized interaction with us and want to be able to ask us questions directly as well as on-going email consulting with us.
3. Individual & couples
You (and your spouse) can go through the class with our on-demand class. Many couples like to fast Netflix/Hulu for a week and just watch a session of TFF each evening (with a big bowl of ice cream) đ But we aren’t picky. You can choose whatever snacks you like and whatever pace works best.
What students are saying…
About Bob & Linda
Bob and Linda Lotich, the dynamic duo behind the award-winning book Simple Money, Rich Life, the SeedTime Money podcast, and the True Financial Freedom course, have dedicated the last 15 years to helping millions discover true financial freedom. What sets them apart from most financial experts is their approach: they lead with grace over judgment and focus on creating hope while washing away the shame that so many carry when it comes to money.
Bob, a Certified Educator in Personal Finance, loves spreadsheets and pie charts just a little too much. On the other hand, Linda has spent a lifetime perfecting the art of avoiding boring conversations. Together, they create a unique learning experience that is far from what you’d expect from typical “financial experts.” In fact, learning from Bob and Linda is more akin to spending time with Chip and Joanna Gaines â informative, engaging, and always entertaining.
With their relatable and compassionate approach, Bob and Linda have become trusted guides for countless individuals seeking to transform their financial lives and discover the joy and freedom that comes with mastering money management.
Got questions? We have answers!
What’s included?
When you enroll in the True Financial Freedom class for your church, organization, or small group, you will get digital access to all six video sessions and printable PDF worksheets, discussion questions, and other resources for each session. Additionally, we have physical workbooks as an optional add-on.
Will there be homework?
Yes, each week, there will be a little bit of (very simple) homework for each student to complete to put action to what they learned.
Where can I find out more about Bob & Linda?
You can find out more about them here and some of their core beliefs here. Additionally, checking out their appearance on Focus on the Family would be a great place to get to know them as well:
Is the class suitable for all financial stages and ages?
We believe that there is no “one-size-fits-all” when it comes to personal finance. But at the same time, there are Biblical strategies and principles that will always be relevant and applicable to our lives. This class focuses less on a bunch of dogmatic rules, and more on identifying the key principles so that you can apply them to your specific situation, regardless of your financial stage of life. As a result, we have had students who were teenagers, 70+, multi-millionaires, on the poverty line, financial advisors, stay-at-home moms who have given the class glowing reviews.
Can the class be customized to fit our congregation’s specific needs?
Yes, just reach out and let us know what you need, and we will provide suggestions on how to best go about it. For example, we have helped churches adapt it to shorter sessions instead of 90 minutes, and to 4 weeks instead of 6, and we are even able to offer sermon ideas to accompany the content. Bottom line: Just contact us and let’s chat.
Some Christian financial classes promote the prosperity gospel – does this one?
Simply put, we believe following Jesus for how He can prosper us is kind of like marrying someone for money. Itâs a shell of a relationship. Jesus is the true prize, and God loves us too much to let us settle for anything less. And yes, like any good father, God loves to bless His kids, but chasing the provision rather than the Provider is a mistake. Jesus is always our greatest gift and treasure, far greater than any financial blessings that may come our way.
Some Christian financial classes promote the prosperity gospel – does this one?
Simply put, we believe following Jesus for how He can prosper us is kind of like marrying someone for money. Itâs a shell of a relationship. Jesus is the true prize, and God loves us too much to let us settle for anything less. And yes, like any good father, God loves to bless His kids, but chasing the provision rather than the Provider is a mistake. Jesus is always our greatest gift and treasure, far greater than any financial blessings that may come our way.
What is True Financial Freedom’s view on the tithe?
Bob and Linda have tithed to their local church for over two decades. While they donât view tithing as a law-based obligation, they do see it as a biblical principle that predates the law, was reinforced during it, and continues into the New Covenant. For them, tithing is a meaningful mile-marker on the journey of generosity.
The reality is that most Christians today give only 2-3% of their income, and many tithers may even see 10% as the âfinish lineâ of giving. True Financial Freedom aims to change that mindset. This program is designed to help participants start wherever they areâwhether thatâs 2%, 10%, or beyondâand to build a sustainable, joyful habit of generosity that grows over time.
Bob and Lindaâs own practice of incrementally increasing their giving has allowed them to go far beyond the tithe. Theyâve seen firsthand how generosity can be one of the most fulfilling aspects of a financial life, and theyâre passionate about inviting others to experience that same joy.
How is this different from Dave Ramsey’s Financial Peace University?
We want to start by honoring Dave Ramsey and the Ramsey team for all the great work they have done and all the lives they have impacted. They have greatly impacted our lives, and we owe a debt of gratitude to them (pun intended).
While both True Financial Freedom and Financial Peace University are finance classes for churches and have some similarities, there are some key differences that our students and facilitators have said set TFF apart:
1. A strong Biblical focus + insanely practical tips
Generally, students say TFF is more Biblically focused. At the same time, it leaves the student with more specific practical action steps. It is less theory and more practical application. One pastor described TFF like this:
“What I love the most about what you guys do is it’s incredibly practical and deeply spiritual at the same time… It was incredible that it did both and in such a clear and easy way.”
2. A more holistic view of finances (not just debt)
Dave Ramsey is the guy to go to if you want the tough love, kick in the rear to get your debt paid off. And we have pointed people over to them countless times over the last decade for that.
But we have discovered that there is more to our financial lives than just paying off debt. Yes, we believe it is an important aspect of stewardship, but we view it as more of a by-product of getting simple money systems in place. And while we put it high on the priority list, it isn’t at the top of our priority list.
3. It’s a grace-filled financial literacy curriculum that leaves students with hope
Some other Christian financial classes can leave students feeling guilt or shame for their money management decisions. Our students consistently comment that the class is inspirational, hopeful, and that it feels like “a conversation with friends”.
Do I have to be a financial expert to facilitate the class?
Nope, not at all. Anyone can facilitate! You really just need to be able to press play and pause!
What are the logistical requirements for hosting the class?
We sought to make this as simple as possible for you. All that is needed is internet access and a screen large enough to display to the group you bring.
We recommend that you either print off the included worksheets for each session with your own printer, at Kinkos, or purchase the optional workbooks to go along with the class that have the worksheets built in.
Do you have assets to help promote the class to our community?
Absolutely, upon signing up, we will provide you with graphics that you can use for social media, ProPresenter for announcements, and email campaigns.
We also provide a couple different versions of short info videos that can be shown during service to give people a feel for what the class will be like.
And best of all, we have an included case study from a church who had 130 students enroll where they share Youtube video clips showing how they pitched the class from stage, the exact emails they sent to their community, and the exact copy they used to have such a successful class.
Can the session length be adjusted?
Yes. We know that every church/organization has differing needs, so we have worked to adapt to whatever your needs might be.
Most churches just carve out 90 minutes once a week for 6 weeks to go through the class. That allows for the whole group to watch the session video (somewhere from 55-70 mins in length) and have a couple points for short discussion.
Some churches opt to block out 2 hours to be able to facilitate more group discussion during and after.
And some who are limited to a 30-60 time frame will have students watch the session at home and then meet together at church/or in their small group just to discuss.
How is True Financial Freedom different from your other courses?
This is completely different than our other courses (Real Money Method, 10x Investing, Pay Off 10k). TFF is more of a Biblically based all-in-one financial class, whereas our other courses are narrow and topically focused.
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