Be Free University exists for the person who works hard, pays the bills and still wonders why there’s so little to show for it. It was built by a man who believes that person isn’t bad with money. They were simply handed a system that was never designed to let them keep it.

Be Free University (BFU) is a financial freedom system founded by George M. Howard Jr., known as “Financial Moses,” a minister, real estate investor, longtime radio host and author of 11 books, including The Land of More Than Enough. BFU teaches people to measure money by what they own instead of what they earn, using two frameworks George created: the BFU Money Ladder and the F.R.E.E.D.O.M. Framework. Its mission: “We don’t teach you to get rich. We teach you to get free.”

Key takeaways

George M. Howard Jr. is the founder and CEO of Be Free University, a minister, a real estate investor who has bought more than 150 houses, and the author of 11 books.
He hosted a live daily call-in radio show across five states for five years, and has written financial education programs for the NAACP and the Urban League Young Professionals.
George reports that his work has helped people eliminate more than $500 million in debt and create more than $200 million in cash flow.
He is known as “Financial Moses” because his work is about leading people out of financial bondage and into freedom.
Be Free University is a freedom system, not a catalog of classes. Its goal is passive income greater than your expenses.
BFU is built for everyone, of every background, who wants to stop serving their paycheck and start owning their future.

Who is George M. Howard Jr.?

George M. Howard Jr. is the founder and CEO of Be Free University. He wears several hats, and they all point in the same direction. As a minister, he teaches that God’s plan for His people is freedom, not bondage. As a real estate investor, he knows firsthand what it means to own assets that pay you whether or not you clock in. As an author, he wrote The Land of More Than Enough, a story about breaking the chains of a broken money system and building a life of abundance and legacy.

George M. Howard Jr.’s track record

Real estate investor: George has purchased more than 150 houses, through tax lien and tax deed sales as well as traditional purchases.
Author of 11 books: the seven-book Real Estate Success System (The Secrets to Tax Deeds and Liens Library), the three-volume Edit Your Credit series, and The Land of More Than Enough, which also has a companion workbook. His next book, Holidays from Hell, is coming soon.
Radio host: for five years he hosted a live call-in radio show on 880 AM WMDB (“The Big Mouth”) and 1240 AM WNSG, on the air every day of the week across five states, taking listeners’ money questions in real time.
Curriculum author: he has written financial education programs for the NAACP and the Urban League Young Professionals.
Results: George reports that his teaching and coaching have helped people eliminate more than $500 million in debt and create more than $200 million in cash flow.

People call him “Financial Moses” because of the work he’s chosen: leading people out of financial Egypt, the place where provision controls you, and across the water into freedom. He teaches the way he lives, with a pastor’s heart and a businessman’s math. Warm, direct, and always ready to show you the numbers.

George’s own understanding of freedom was tested when a serious hand injury kept him from working the way he normally did. His rental income kept paying the bills while he healed. That experience sharpened the message at the center of everything BFU teaches: rich is when the money comes in; free is when it comes in whether you can work or not. You can read the full idea in Rich vs. Free.

Books by George M. Howard Jr.

All of George’s books are available on Amazon.

The Land of More Than Enough

The Real Estate Success System: The Secrets to Tax Deeds and Liens Library (7 books)

Edit Your Credit (3 volumes)

Coming soon

Holidays from Hell

What is Be Free University?

Be Free University is a freedom system. It isn’t a library of classes to collect or a credit, debt or budgeting company. Debt, credit and cash flow all get handled along the way, but they’re tools on the path, not the destination. The destination is freedom: getting your time back through income from what you own.

The heart of BFU is a simple contrast. Most of us were taught what George calls Slave Arithmetic: add up housing, transportation, taxes, debt, insurance and giving, and you’ve spent roughly 100% of your income before you buy groceries. BFU teaches Owner’s Math: measure what you own, put every dollar to work, and build toward passive income greater than your expenses. The full breakdown, with worked numbers, lives on the Owner’s Math page.

Members of BFU are called Freedom Fighters, and they gather in a community called Free Nation, where people climbing the same road encourage each other along the way.

The mission

“We don’t teach you to get rich. We teach you to get free.”

The full version of that line is the reason BFU exists: we teach you to get free, so the day life hits, you can afford to show up for what matters most. Freedom isn’t retirement at 65. It’s passive income greater than active income, and George believes it can be built by ordinary people with ordinary paychecks once they’re given a different system. He explains that idea in Freedom Is Not Retirement at 65.

Who is Be Free University for?

Be Free University is for everyone. It’s for the nurse, the engineer, the teacher, the small-business owner, the pastor and the young professional who earn real money and still feel stuck, stretched or squeezed. It’s for families of every background, in every part of the country, who want to stop wondering where the money went and start deciding where it goes.

If you’ve ever said, “I make more than my parents ever did, so why do I feel further behind?”, you’re exactly who George built this for. You’re not bad with money. The system wasn’t built for you to keep it. A good place to start is this post on why the system works the way it does.

The frameworks behind Be Free University

George created two frameworks that work together. One shows where you are. The other shows how to climb.

The BFU Money Ladder measures financial freedom by what you control, across seven levels: Survival, Insecure, Secure, Free, More Than Enough, Wealthy and Philanthropic. Level 4, Free, is the waterline: below it, money controls you; above it, you control money.
The F.R.E.E.D.O.M. Framework is the path up the ladder, in seven pillars: Free Your Mind, Release Your Flow, Escape Bondage, Elevate Your Name, Defend Your Wealth, Own Assets and Move Generations.

Faith runs through all of it, never as pressure, always as foundation. If that’s where you’d like to begin, visit the Faith and Money hub. For everything else, the BFU blog covers cash flow, debt, credit, taxes, real estate and legacy, all through the lens of Owner’s Math.

Start your road to Free

Take the free Freedom Quiz. In two minutes you’ll have your first move, and a front-row seat to what school never taught: how money multiplies, how passive income is built, and the money rules wealthy families pass down.

Take the Freedom Quiz →

How do I contact Be Free University?

Questions about Be Free University, speaking requests or partnership ideas can go through our contact page, which reaches the BFU team directly.

Elsewhere

Find George M. Howard Jr. and Be Free University here: