Faith. Discipline. Growth. Education that strengthens generations.

Biblical financial literacy for every generation

Learn the principles.
Build lasting habits.

Faith-centered financial education that makes money concepts understandable, builds confidence, and encourages thoughtful stewardship for every stage of life.

Explore the programs ↗Explore the 3·6·9 framework ↓
90day learning journey
9wellness principles
1legacy-focused path
369 Learning Tree: Learn, Grow, Achieve
✦
Built on principles.Designed for generations.
Financial literacy ✦ Biblical stewardship ✦ Healthy money habits ✦ Entrepreneurship ✦ Generational learning

A whole-life learning journey

Knowledge for today.
Wisdom for tomorrow.

Consumer credit is one topic within a much bigger financial story. 369 Learning Tree combines general financial education, biblical stewardship, and practical learning activities to help families make more informed decisions.

“A good person leaves an inheritance for their children’s children.” Proverbs 13:22

01
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Financial literacy

Learn how budgets, borrowing, interest, and consumer credit work through general educational lessons.

02
⌁

Healthy money habits

Practice goal setting, spending plans, saving, and thoughtful approaches to managing debt.

03
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Entrepreneurial thinking

Explore business fundamentals, leadership, and responsible financial decision-making.

04
♜

Legacy planning

Build knowledge around homeownership, wealth-building concepts, and family stewardship.

369 Learning Tree mission: Learn, Grow, Achieve

The story behind 369

From hard-earned lessons
to a learning legacy.

369 Learning Tree grew from a story of resilience—turning struggle into purpose and practical lessons into a pathway families can share. The mission is to replace confusion with knowledge, impulse with wisdom, and short-term thinking with faithful stewardship.

“Finish what you start. Apply what you learn. Choose wisdom over impulse.”
Education excellenceLeadership developmentEconomic empowermentCommunity impact

The 3·6·9 learning framework

Three principles.
A lifetime of growth.

Our 3·6·9 model makes financial learning memorable, meaningful, and practical.

3
Faith

Believe a better story.

Ground your financial decisions in biblical wisdom, purpose, and hope.

6
Discipline

Build habits that last.

Create consistent systems for budgeting, debt reduction, saving, and stewardship.

9
Growth

Multiply the impact.

Use growing financial knowledge to support opportunity, generosity, and legacy.

Learning for every generation

A lifetime pathway to
financial confidence.

From a child’s first savings jar to a family legacy plan, every stage reinforces faith, discipline, leadership, and practical financial skill.

01Ages 5–8

369 Explorers™

Stewardship through saving, giving, responsibility, and gratitude.

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02Ages 9–12

369 Builders™

Good money habits, leadership, and an introduction to entrepreneurship.

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03Ages 13–18

369 NextGen™

Financial literacy, investing concepts, career readiness, business, and a five-year life plan.

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04Ages 18–25

Young Professionals™

Consumer credit basics, taxes, insurance, salary negotiation, and financial independence.

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05Adults & families

369 Financial Wellness Essentials™

A focused educational starting point with practical tools and a 90-day learning plan.

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06Independent adult learners

369 Self-Paced Masterclass™

Recorded lessons, a digital workbook, practical templates, and learning-community access.

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07Adults seeking guided support

369 Premier Experience™

The full self-paced curriculum plus live teaching, action labs, and accountability.

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08Families

369 Legacy™

Family vision, estate planning, insurance, investing, and generational stewardship.

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09Future facilitators

Leadership Academy™

Adult learning, public speaking, ethical facilitation, curriculum delivery, and program evaluation.

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10Community leaders

Ambassador Academy™

Leadership, outreach, event planning, mentorship, professional conduct, and community impact.

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11Business owners

Business Funding Readiness™

Organize your funding request, business profile, financial documents, and application questions before pursuing capital.

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A curriculum designed for action

Learn it. Practice it.
Carry it forward.

The learning materials connect clear explanations with age-appropriate activities, reflection, and practical routines. Lessons are educational and encourage participants to ask informed questions of qualified professionals when individual guidance is needed.

01

Know your picture

Understand income, expenses, financial terms, banking, interest, and the purpose of an emergency fund.

02

Practice wise habits

Use a spending plan, pause before purchases, distinguish needs from wants, save consistently, and review goals.

03

Understand the systems

Learn in general terms how consumer credit, taxes, insurance, renting, homeownership, and retirement work.

04

Lead and build

Explore entrepreneurship, public speaking, career readiness, service, investing concepts, and family legacy conversations.

Learning in action

A 90-day rhythm for building knowledge.

Participants move from awareness to consistent practice, then finish with a forward-looking personal learning plan.

  1. Days 1–30See clearly

    Organize financial information, notice spending patterns, and set meaningful learning goals.

  2. Days 31–60Practice consistently

    Create a budget, strengthen saving habits, and learn responsible approaches to debt and borrowing.

  3. Days 61–90Plan forward

    Review progress, identify next questions, and build a long-term financial learning strategy.

Program materials may include

Tools that turn lessons into practice.

✓ Financial stewardship study guide✓ Monthly budget planner✓ Spending reflection activities✓ Debt-awareness tracker✓ Savings challenge workbook✓ 90-day learning journal

Education with purpose

Practical knowledge.
Biblical perspective.

Our curriculum connects everyday money concepts with stewardship, leadership, entrepreneurship, homeownership education, investing concepts, and family legacy conversations.

  • Understand common financial terms and systems
  • Practice budgeting, saving, and goal setting
  • Build a foundation for lifelong learning
See what’s included ↘
LearnBuild knowledge.
GrowBuild potential.
AchieveBuild futures.

Frequently asked questions

Clarity before
your next step.

What kind of organization is 369 Learning Tree?+

369 Learning Tree provides general financial-literacy education. We do not review or dispute consumer credit reports, contact credit bureaus or creditors for participants, promise score changes, or sell services intended to alter a person’s credit record or rating.

What is included in the financial wellness program?+

The educational program includes learning materials such as a workbook, budget planner, debt-awareness tracker, goal-setting activities, and a 90-day personal learning plan.

Is the program only for adults?+

No. 369 Learning Tree offers age-specific learning from ages 5–8 through young adulthood, plus financial wellness, family legacy, leadership, and ambassador learning pathways.

Is the curriculum faith-based?+

Yes. Biblical stewardship is central to the curriculum, alongside general financial literacy, entrepreneurship, leadership, and legacy learning.

Does the program provide personalized financial or legal advice?+

No. Program materials are for general educational purposes and do not replace advice from a licensed attorney, financial professional, lender, or nonprofit credit counselor.

Begin a new learning journey

Build your knowledge.
Build your legacy.

Ready to explore which financial-literacy program fits your life stage?

Choose a program ↗General education only—no report disputes, legal advice, or personalized financial advice.