Matt is a selfish, prideful, worldly "every man" in the first half of the movie who is obsessed with competition, looking good, and having "stuff." He is married to Tara and is the father of three children, two teens and a younger son. He believes in God and attends church sporadically, but sees religion as little more than something you do on Sunday, sometimes. He lives a duality in that he knows he lives in a financial house of cards and suffers the agony of indebtedness, but doesn't have the courage to face his situation or communicate with his wife about the problem. He has no vision for his life or his family. He has poor relationships with his wife and children as he has sacrificed all in pursuit of a great career, house, and toys. He has been a poor leader to his family and has largely created an environment of disconnection and isolation in his home. He is humbled through a series of financial failures and family crisis and seeks help from his younger brother, Josh. After coming to Christ, he repents and is humbled. He transforms into a loving husband, who unites his family, learns and applies principles of self-reliance, and becomes a courageous leader in his home and in the community.

Tara is an attractive, vain, shallow, and prideful woman. She is married to Matt. Tara has few homemaking or parenting skills, and little desire to do either. She is flippant and sarcastic in her communications. She is motivated by appearances, the esteem of her "friends," and strives to personally look good and to keep her surroundings looking good all the time. She has expensive tastes, loves beautiful things, and is a perfectionist. She shows love by keeping her home immaculate looking. Since she has no skills and loves to spend money, she hires out every need from her own personal beauty care to maid service, grocery service, fast food, home decoration, party services, etc. She has no connection with the family finances and spends endlessly due to her feeling of entitlement. Through financial failures, and family crisis, Tara seeks the Lord, is humbled and learns to submit to her husband. Her heart is softened and she seeks the forgiveness of her children and becomes committed to applying her faith and beliefs to her life, the way she lives and choices she makes. Her sister-in-law, Rachel mentors her in mothering and in the home arts and encourages and inspires her to keep learning. She learns to become a Proverbs 31 woman.

Josh is Matt's younger "perfect" brother. Josh loves the Lord, is humble, purposeful, wise, circumspect, attentive, caring, kind, warm, and funny. He takes his roles as husband, father and provider seriously as he applies his religious beliefs to every aspect of his life. He is a man of vision and action. He loves the scriptures, truth, virtue and freedom and is seen as an idealist. He is the happily married father of six children under twelve years old. He is an independent financial advisor largely working from home. He constantly seeks opportunities to teach and guide his children and regularly serves others. He is frugal, and skilled in living principles of self-reliance to a high degree. His example greatly impacts Matt for good though Matt initially and strongly resists him.

Rachel is Josh's wife. She is loving, kind, virtuous, humble, hospitable, giving and talented. She loves and serves the Lord and is a woman of great faith and prayer. She is attractive and simple in her manners and dress. She teaches her children at home, and delights in learning, serving, and creating with her children. She is skilled in the home arts and is supportive and submissive to her husband as he leads and directs the family. She is intelligent, creative and frugal and often collaborates, and shares ideas with Josh in their family business. She serves in many neighborhood, church, and community projects. Her Christ-like service and faith serve as an example, and inspiration to Tara and Megan in their softening and embrace of virtuous and true womanhood.

Brendan is a good, likeable, and smart, recent high school graduate who is undecided about his future and lacks motivation to apply himself to progression. He is the eldest child of Matt and Tara. He is skilled in art and graphics art. He is a pleasure and thrill seeker who enjoys entertainment through playing video games, spending time on social networking sites, riding his toys, extreme sports, and "hanging out" with friends above all else. He experiences a near death accident that causes him to rethink and discover his true priorities, focus, direction and mission. He becomes the inspiration and catalyst of change for his parents, as well as his sister, Megan through their relationship. He turns his heart to his father and unites in purpose and vision with him in continuing his education and building a family business.

Megan is a slim, attractive, and intelligent teen. She is the second child of Matt and Tara. She is fiercely independent, defies authority, and often communicates disrespectfully to her parents. She flirts with disobedience and debates lowering her religious and personal standards to show rebellion and to be popular with the many friends she spends time with. She prefers her friends and her social life to family and home life. She is fashionable, worldly, expresses feminist beliefs and enjoys all the "in" things such as constant cell phone texting and listening to an mp3 player. She is impacted through the influence of her father, her brother, Rachel, her cousins, and ultimately her mother before she is willing to turn her heart to Christ. As she is the most hard-hearted, her transformation requires the most effort, experience and example.

Cameron is the youngest child of Matt and Tara. He is quiet, sweet and pure hearted. He has been largely ignored by his older siblings and even his parents as they have pursued their own selfish interests. He is withdrawn, forlorn and nearly "invisible" in his home. He longs for a younger sibling to play with, and to spend time with his uncle Josh's family, particularly with his best friend, and cousin, Jacob. He is painfully aware of the dysfunction in his home and prays to change it.

Mary is the mother of Matt and Josh. She enjoys grand-parenting and often spends time with Josh's kids. She is saddened by Matt's pride and disconnection from family. She is prayerful

Fun, outgoing, entrepreneurial eldest daughter of Josh and Rachel.

Jacob is the eldest son of Josh and Rachel and the first cousin of Cameron, his best friend. He is a happy and obedient boy who loves the Lord. He loves reading about and playing knights. He also loves freedom, virtue, action and adventure. He serves as friend, comforter and mentor to Cameron.

Andrew's sweet and kind wife. Neighbor of Josh and Rachel.

Andrew is a thrifty, creative and funny mechanic. He often does mechanical work in trade for financial and investment advice from Josh.

Randy is Matt's co-worker and long-time friend. Randy is a passive follower, who often takes his lead in whatever Matt is doing. He is married to Barbara.

Barbara is quiet and timid. She is later impacted by changes in Tara.

Brad is a sharp looking friend of Matt's who is prideful and given to bragging about himself, his wife, his kids, his house, and his job. He is shallow, conceited and rude. He is married to Ashley.

Ashley is attractive, vain and proud. She brags constantly and snubs and puts down others, particularly Rachel when she attends Matt and Tara's party. She is married to Brad.

Rick is a compassionate, inspirational, and positive example of service and kindness to others. He has a determined and happy personality and encourages others to do their best. His example motivates the Webster's to better love the Lord and love and serve others.

 Kind hearted doctor .