Honest financial discipleship — written for the kids who actually have money decisions.
Four lessons. One save/give/spend rhythm. One take-home $20 Trail Experiment that turns every student into a real-world steward for four weeks. It’s the topic almost every middle-school curriculum skips, even though every middle schooler has money decisions — allowance, in-app purchases, first jobs, gift money. Built on the DiviNav trail metaphor: what you carry shapes how far you can walk and who you can walk with.
The 4-lesson arc
- It Was Never Mine — God owns it all; I’m a steward, not an owner.
- The Stuff Trap — Stuff promises what only Jesus can give.
- The Open Hand — Generosity is how you stay free.
- The Trail Wallet — Save, give, spend: a rhythm for the long walk.
What’s included
For the leader: A Leader Guide with prep, “Looking for…” hints, Leader Notes, and a per-lesson Family-Context note (for students from homes where money is plentiful and untalked about, and homes in financial stress — written for both). Plus Quick-Start, Materials List, and a 4-Week Scope & Sequence.
For the student: A Student Workbook with journaling lines, the Two Treasures activity, the tear-out Trail Wallet Card, and the take-home $20 Trail Experiment Card — four weeks of real stewardship.
For the family: A Parent Letter explaining the $20 Experiment and how to support the conversation at home.
What makes it different
Not a fundraiser. Not a Dave-Ramsey-for-tweens. It pairs an honest theology of stewardship with practical save/give/spend at a tween level, plus a real-world take-home test. Every lesson runs on the same predictable rhythm — Bearing Check, The Bearing, Compass Work, Trail Activity, Set the Heading — in about 30 minutes. Scripture is the Berean Standard Bible throughout.
Trail Wallet License
A one-time license — not a subscription. Unlimited reproduction within your ministry, in perpetuity. Includes every file: leader guide, student workbook, parent letter, certificate, and more.
One local church or independent youth ministry.
Up to five campuses, congregations, or partner ministries.
Your organization’s name is collected at checkout for the license agreement · 30-day refund guarantee · secure payment via Stripe.
Need a denomination or publisher-wide license? Request a quote ›
Try Lesson 1 free
Want to see it run first? Get the complete first lesson — the leader guide and the matching student pages — free. One email and it’s yours instantly.
Free Sample Lesson
Honest financial discipleship — written for the kids who actually have money decisions.
Trail Wallet is a 4-lesson discipleship program for ages 10–14 on money, ownership, and stewardship. Get the complete first lesson free — “It Was Never Mine” — the leader guide and the matching student pages, ready to run.
Built so a busy volunteer can lead it with 30 minutes of prep. Theologically anchored, written to work across denominations — see what we believe.
Your free Lesson 1 includes:
- Leader Guide — Everything you need to lead the lesson — no ministry degree required
- Student Workbook — The matching pages your students write in
- The 5-block rhythm — Bearing Check, the Bearing, Compass Work, Trail Activity, Set the Heading — 30 minutes