We break you free from debt, grow in financial wisdom, and align your money habits with your faith through our books and programs.

With over 35 years in business management, accounting, and coaching—and more than 30 years walking faithfully with Christ—Ray Smit brings a rare blend of professional expertise and spiritual grounding.

As a teacher, coach, and lifelong student of Scripture, Ray’s mission is simple:

Help 5 million Christians transform their financial lives by applying the principles God intended us to live by.

“It’s not just about dollars and cents. It’s about stewardship, purpose, and trust.”

– Ray Smit