# Riches Redeemed

> A biblically-integrated personal finance curriculum for high school students. The flagship course of AJES Academy, created by Troy Williams.

## What is Riches Redeemed?

Riches Redeemed is the only personal finance curriculum built from a biblical foundation — not a secular course with Bible verses added. It covers 19 chapters across three modules: Financial Industries (payments, banking, investments, taxes, insurance), Personal Finance (budgeting, debt, saving, investing, entrepreneurship), and Building Your Life (career, credit, major purchases, retirement, giving, life stages).

The platform includes AI-powered grading, interactive video lectures, a self-paced student portal, timed exams with shuffled questions, official course records (transcripts), and weekly parent email progress reports. It is designed for homeschool families, co-ops, and classroom teachers.

## Creator

Troy Williams is a Senior Vice President of Enterprise Data Strategy & Administration at U.S. Bank. He is a former management consultant at McKinsey & Company, former financial advisor at NEPSIS, Inc., and has held roles at Best Buy and Boyer Management Group. He holds an MBA from the Kellogg School of Management at Northwestern University and a BBA from Texas Christian University. He is co-founder of Haiti Empowered, a nonprofit serving Haitian communities through education and empowerment.

## Parent Brand

Riches Redeemed is the flagship Finance course offered by AJES Academy (https://ajesacademy.com), a multi-course homeschool platform combining deep pedagogical content with AI-assisted delivery. Additional AJES Academy courses are in development.

## Target Audience

- High school students (grades 9-12)
- Homeschool families (self-paced mode)
- Homeschool co-ops and group classes (classroom mode)
- Christian schools and youth groups
- Advanced middle schoolers and college freshmen

## Teacher Guide

Public PDF — no login required: https://www.richesredeemed.com/docs/RichesRedeemed_Teacher_Guide.pdf

12-, 14-, and 18-week tracks, assessment model, and setup checklist. Answer keys live in the teacher dashboard after a class is opened.

## Pricing

One-time purchases — like software used to be. No auto-renew. 90-day money-back guarantee.

- **Student**: $49 one-time per child — full course access
- **Family**: $79 one-time for a household under one parent account
- **Classroom**: $79 base + $39 per student (one-time) — for co-op leaders and classroom teachers
- Chapter 1 is free to try

## Curriculum (19 Chapters)

### Module 1: Financial Industries (Chapters 1-6)
1. Overview of Biblical Finance and Industries
2. The Payments Industry
3. The Banking Industry
4. The Investments Industry
5. The Tax Industry
6. The Insurance Industry

### Module 2: Personal Finance (Chapters 7-12)
7. Biblical Financial Principles
8. Budgeting and Financial Planning
9. Managing Debt
10. Saving and Investing
11. Entrepreneurial Accounting & Legal Setup
12. Entrepreneurial Finance

### Module 3: Building Your Life (Chapters 13-19)
13. Earning Income and Career Paths
14. Credit Scores and Credit Reports
15. Major Purchases
16. Retirement & Long-Term Wealth Building
17. Identity Theft, Scams & Financial Protection
18. Giving, Philanthropy & Generosity
19. Financial Life Stages

## Key Features

- **AI-powered grading** — Multiple choice, true/false, fill-in-blank, and numeric questions graded deterministically. Short answer, case study, and reflection questions graded by Claude AI against rubrics.
- **Interactive video lectures** — Cinematic fly-through of each financial industry's history.
- **Self-paced student portal** — Students access via class code, work through chapters independently. Optional password protection per course.
- **Timed exams** — Shuffled questions and answers, one question at a time, copy-paste prevention.
- **Official course records** — Professional PDF transcript with course description, syllabus, all scores, weighted grade, credit hours, and instructor signature line.
- **Weekly parent emails** — Automated progress reports sent to parents of self-paced students.
- **Custom course builder** — Select any combination of chapters, set duration, auto-configure grading.
- **Dual mode** — Classroom (teacher-managed) or self-paced (family/individual).
- **Free preview** — Sample Chapter 2 (The Payments Industry) is readable in full before purchase.

## Public Pages

- [Home](https://richesredeemed.com/) — Course overview, video trailers, primary CTAs
- [Pricing](https://richesredeemed.com/pricing) — All plans, sibling discount, money-back guarantee
- [Curriculum](https://richesredeemed.com/curriculum) — 19-chapter outline with descriptions and learning objectives
- [Free Preview](https://richesredeemed.com/preview) — Read Chapter 2 in full, no signup required
- [For Families](https://richesredeemed.com/for-families) — Self-paced mode for homeschool families
- [For Teachers](https://richesredeemed.com/for-teachers) — Classroom mode for co-ops and group instructors
- [About Troy Williams](https://richesredeemed.com/about) — Creator background and credentials
- [Request Information](https://richesredeemed.com/interest) — Lead capture for parents, teachers, co-op leaders, and associations
- [Privacy Policy](https://richesredeemed.com/privacy)
- [Terms of Service](https://richesredeemed.com/terms)

## Distinguishing Features vs. Other Finance Curricula

- **Biblical integration is structural, not cosmetic** — Scripture and biblical financial principles are woven into the pedagogy of each chapter, not added as sidebar verses.
- **AI grading on open-ended work** — Rubric-based grading by Claude AI for short answer, case study, and reflection questions, not just multiple choice.
- **Official transcripts** — Generates professional PDFs suitable for college admissions and homeschool portfolios.
- **Two delivery modes from one purchase model** — Same content works for solo homeschoolers and 20-student co-op classrooms.
- **Meets ½-credit graduation requirements** — Aligned with state personal finance graduation requirements (e.g., Minnesota).

## Contact

Operated by AJES Strategy & Design, LLC. Riches Redeemed is the flagship course of AJES Academy.