Personal and Family Finance

Course Description:
How do our personal financial habits affect our financial future? How can we make smart decisions with our money in the areas of saving, spending, and investing? How can we honor God with our finances? This course introduces students to basic financial habits, such as setting financial goals, budgeting, and creating financial plans. Students learn more about topics such as taxation, financial institutions, credit, giving, and money management. 

The course also addresses how occupations and educational choices can influence personal financial planning, as well as how individuals can protect themselves from identity theft. Students explore biblical teaching on eternal investments and rewards, as well as debt forgiveness and redemption. Finally, students explore how to honor God with their money as they seek to be wise stewards of the precious resources He has blessed them with. 

Recommended Prerequisites:

Grade Level:
9th – 12th Grade recommended

Approved by:

Course Types Available:

  • 1/2 credit course ( 6 weeks minimum / 6 months maximum)

Biblical Integration:


When God created humans and put them in the Garden of Eden, he met all their needs. They had an excess of food and water, perfect jobs, and perfect relationships with both God and others (see Genesis 1–2).


As a result of sin, however, the world is now a place marked by greed, self-interest, and limited resources. Another implication of the Fall is that no economic system—capitalism and socialism included—is without its faults and drawbacks. The primary reason for this is that all economic systems require the governed to trust the governing—all of whom, according to Scripture, are sinners (Romans 3:9–11).


Though God brought the world under his curse (Genesis 3), he mercifully redeemed a people for himself—Israel first and then the Church—and graciously taught them his ways. Included in this was a great deal of instruction on a wide variety of ethical topics, though perhaps none more pressing than finances. For instance, God demands nothing less from his people than that they cheerfully steward their time, gifts, and money in service to both him and neighbor (Matthew 25:14–30; 2 Corinthians 9:7; 1 Peter 4:10). Among other things, this includes a refusal to deceive or manipulate others in financial matters (Deuteronomy 25:13–16; Proverbs 11:1; 20:10, 23); tithing, or giving ten percent of one’s income, as a responsible, baseline standard for charitable giving (see, e.g., Leviticus 27:30–33; Malachi 3:6–12); and even respectfully paying one’s taxes (Luke 20:20–26). It also includes transparency, accountability, and especially loving self-sacrifice in finances, business, and government (cf. John 3:19–21; 1 Corinthians 13:1–3).

Required Materials:

Common household items, and access to research materials as well as word processing and presentation software, may be required for the completion of lab activities and/or other assignments.  See course for details.