Biblical financial literacy for every generation

Financial education rooted in faith and built for real life.

369 Learning Tree helps children, adults, and families understand money, practice wise habits, and build a stronger foundation for the future.

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The story behind 369

Hard-earned lessons became a mission to help families learn together.

369 Learning Tree grew from resilience: turning financial struggle into practical education and turning personal lessons into a pathway other families can use. The organization exists 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.”

A note from the founder

The 3·6·9 framework

Faith. Discipline. Growth.

Three principles give every lesson a clear purpose, from a child’s first savings goal to an adult’s long-term financial plan.

Faith

Ground financial decisions in biblical wisdom, purpose, gratitude, and stewardship.

Discipline

Build consistent systems for budgeting, saving, responsible borrowing, and goal setting.

Growth

Use knowledge to create opportunity, practice generosity, and prepare a lasting legacy.

Programs by audience

Start where you are.

Choose the audience that fits. The complete catalog includes every age-specific, adult, family, leadership, and business-readiness program.

01YouthAges 5–25

Build strong habits early.

Age-appropriate financial education that grows from first lessons in saving and giving to career readiness and financial independence.

369 Explorers · 369 Builders · 369 NextGen · Young Professionals

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02AdultsIndependent and guided

Make money concepts practical.

Clear instruction, useful tools, and a structured learning plan for adults who want to understand financial systems and act with confidence.

Financial Wellness Essentials · Self-Paced Masterclass · Premier Experience

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03Families & LeadersLegacy and community

Carry the learning forward.

Programs for families, facilitators, community leaders, and business owners who are preparing to serve, lead, and build lasting impact.

369 Legacy · Leadership Academy · Ambassador Academy · Business Funding Readiness

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The 90-day structure

Learning becomes a habit through practice.

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

Days 1–30
See clearly
Organize financial information, notice patterns, and set meaningful learning goals.
Days 31–60
Practice consistently
Use a spending plan, strengthen saving habits, and understand responsible borrowing.
Days 61–90
Plan forward
Review progress and create a practical plan for continued financial learning.

Frequently asked questions

Clear answers before you begin.

What does 369 Learning Tree provide?+

General financial-literacy education, faith-centered curriculum, and practical learning tools. The organization does not dispute credit reports, contact bureaus or creditors for participants, promise score changes, or provide personalized financial or legal advice.

Who are the programs for?+

Programs serve children beginning at age five, teens, young adults, independent adult learners, families, future facilitators, community leaders, and business owners.

Is every program faith-based?+

Biblical stewardship is central to the learning approach, alongside practical financial literacy, entrepreneurship, leadership, and legacy education.

Choose your next step

Find the program that fits your life stage.

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