Personal Finance

Riches Redeemed · Scope & Sequence

Three modules,
one school year.

“Whoever is faithful with a little will be faithful with much.” — Luke 16:10

Available now · $49 Student · $79 Family · one-time

3 Modules
One school year
5 Learning Modes
1.0 Credit
Grades IX–XII

Modules

Modes

95+

Assignments

1.0

Credit

IX–XII

Grades

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Table of Contents

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What the year covers.

Module I

Foundations & Industries · The Story of Money

The story of money from clay tokens to crypto, and the industries that move it. Banking, payments, investing, taxes, insurance — what they are, how they began, and what Scripture says about each.

Overview of Biblical Finance and Industries

· Foundation

“The earth is the Lord’s, and everything in it.” Psalm 24:1

Payments & The Modern Dollar

· Payments

“The borrower is slave to the lender.” Proverbs 22:7

The Banking Industry

· How Money Works

“A faithful man will abound with blessings.” Proverbs 28:20

Investments & The Capital Markets

· Investing

“Divide your portion to seven, or even eight.” Ecclesiastes 11:2

Taxes, Government & Civic Duty

· Taxes

“Render to Caesar the things that are Caesar’s.” Matthew 22:21

Insurance & The Cost of Risk

· Insurance

“The prudent see danger and take refuge.” Proverbs 27:12

Module II

Earning & Spending · The Daily Disciplines

The personal disciplines a high-school student needs to leave home with: vocation, budgets, debt, credit, savings, the first apartment, the first business.

Earning & The Theology of Work

· Work

“Whatever you do, work heartily, as for the Lord.” Colossians 3:23

Budgeting & Cash Flow

· Budgeting

“The plans of the diligent lead surely to abundance.” Proverbs 21:5

Managing Debt

· Debt & Freedom

“Owe no one anything, except to love each other.” Romans 13:8

Saving & The Long Game

· Saving

“In the house of the wise are stores of choice food.” Proverbs 21:20

Entrepreneurship & Calling

· Entrepreneurship

“She perceives that her merchandise is profitable.” Proverbs 31:18

Credit & Its Reputation

· Credit

“A good name is to be chosen rather than great riches.” Proverbs 22:1

Housing & The First Big Purchase

· Housing

“By wisdom a house is built.” Proverbs 24:3

III

Module III

Building & Protecting · The Long Horizon

The decisions that compound over a lifetime: vehicles, education, retirement, estate, generosity. Closing with the whole story — single, married, retired, leaving well.

Transportation & Total Cost

· Vehicles

“The simple believes everything, but the prudent gives thought.” Proverbs 14:15

Education & The Cost of Knowledge

· Education

“Get wisdom, get understanding.” Proverbs 4:5

Retirement & The Long Horizon

· Retirement

“The wise store up choice food.” Proverbs 21:20

Protection & Estate

· Estate

“A good man leaves an inheritance to his children’s children.” Proverbs 13:22

Giving & Generosity

· Giving

“God loves a cheerful giver.” 2 Corinthians 9:7

Life Stages & The Whole Story

· Capstone

“To everything there is a season.” Ecclesiastes 3:1

·✦·

A Multi-Modal Course

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Read. Watch. Listen. Practice. Be Graded.

Read

Primary-source-rich textbook reading

Watch

Short video lectures (12–18 min) for every chapter

III

Listen

Audio companions for every chapter + verse

Practice

95+ template assignments across 7 question types

Be Graded

All work is graded automatically against a robust rubric. You can override any suggested grade.

Official transcript

A Real Transcript

RICHES REDEEMED

•MMXXVI•

Student: _______________________________ Year: 2026–27
Instructor: Troy Williams Grade: __ / 100

Modules Completed:
I. Foundations & Industries
II. Earning & Spending
III. Building & Protecting

Official AJES Academy Transcript — upon request

Parent / Instructor Signature

AJES Academy Seal