Designed for youth ages 10 to 13. Monitor your cash flow and see where your money goes by developing a budget and good records to become a responsible consumer. Designed as a beginning-level book. Use the same book 1-2 years.

Teens ages 14 to 19 have the opportunity to organize their financial lives by analyzing spending, obtaining and managing banking services, making consumer decisions, and exploring financial careers. Use the same book 1-2 years.