In 2024, only 64% of adults in the United States could cover a $400 emergency without going into debt. For 18-29, it's only 47%. Only 55% of the population had 3 months of expenses savings, and personal bankruptcy rose 11.2% from the year before.

• But most "Real" financial planning is out of price for many as most plans can start $3,000 or $120-$300/per hour to speak to a professional. 
• Institutions answer to shareholders
• Shareholders want higher returns
• That results in higher interest margins
• More Fees 
• Scaled Volume and 
• Profit over People.

This is not EVIL-it's structure. 

The Government can't solve the problem without politics, and nonprofits need more funding.

So, where is help coming from for the average person? 

The 8:18 Plan Platform. How? 

Trust & Structure

We don't ask for blind trust. We show how we safeguard our members.

It’s a legally structured, member-owned cooperative with governance and fiduciary oversight. 📖 Proverbs 20:18

• Paid members. One share. One vote. No special power tiers.
• Accountable leadership + professional financial partners control the money based on members' voted initiatives
• As the cooperative grows, members can benefit individually.
• Judge the structure. Judge the fruit. Not the hype.

   

A business-funded digital cooperative that gives people free, Bible-based financial literacy and wealth-building tools.

Most platforms sell tools. The 8:18 Platform is built for impact with a digital cooperative designed to help businesses grow and help people become financially free through Bible-based financial education.

Only Businesses can join the cooperative, but people benefit, and churches contribute together, so individuals never have to shoulder the cost of financial wellness. It’s built on stewardship, shared responsibility, and long-term impact—not quick fixes or hype.

Not a business? Don't worry, we have a lane just for you.  Discover your God-given purpose, and let's help you build wealth with your talents, abilities, and causes.

“Remember the Lord your God, for it is He who gives you power to get wealth.” — Deuteronomy 8:18

 People (free tools), Businesses (grow + lower marketing costs), Churches (equip members without hiring).

It's understandable to be skeptical. Scams are harder to figure out and getting faster with technology. But the truth will always set us apart!

8:18 Plan is not a promise. It's a system.

We don't sell shortcuts. We don't rush the process. We apply God's wisdom- step by step, with openness and accountability (God's way). It's not "Faith-filler" wishful thinking- it IS "Faith-Fulfilled" plans built on structure and discipline.

The 8:18 Plan works because it's grounded on scripture, turns purpose into practical income, and uses community to help build wealth together!

Businesses & churches contribute → people get free tools → the community grows stronger over time.

A Real Plan. A Real System.Each business joins based on the level of impact it wants its business to have on the cooperative's initiatives.  Every business gets 1 share, 1 vote- no one "pays to play".  Our model is built on transparency and collaborative cooperation--to build wealth together.

The programs help people, the cooperative builds communities, and the platform grows businesses for a lasting legacy that reflects values and faith, ensuring our resources continue to make a positive impact beyond our lifetime. 

Practical financial tools, credit/debt readiness, and Bible-based strategies—no ads, no data selling.  

Practical Tools: Many programs offer practical tools and resources, such as budgeting templates, financial planning software, and personalized coaching, to help members effectively manage their finances. When you become a member you become a part of a collective. Now together we find the professionals, products and services that will help ALL of us create the wealth that God purposed for us in Deuteronomy 28.

Lower long-term marketing costs through trust, referrals, and a values-aligned advocacy network. 

A digital outreach + financial impact system that works beyond Sunday—without adding staff burden.

Churches receive a digital financial outreach system that equips members beyond Sunday—without hiring additional staff. The platform helps churches address real-life financial stress among members while freeing leaders to focus on teaching, care, and vision.