This packet of four brochures focuses on money management for four stages of life, from early adulthood to preretirement. The first brochure, for young adults, discusses early financial tasks, such as selecting a financial institution, and checking and savings accounts, credit establishments, and employee benefits. The second brochure, for young married couples, covers sharing financial tasks, spending and saving, using credit responsibly, meeting changing needs, and getting professional financial advice. The third brochure examines the middle family years, including preparing for emergencies through buying insurance, having credit to use in an emergency, coping with crises by scaling back and stretching dollars, and the "sandwich generation" and financial support of elderly parents. The fourth brochure makes suggestions for planning for financial independence in later life. Topics include taking stock of one's financial situation, looking ahead at sources and amounts of retirement income, money management, legal matters, relocation or staying put, handling emergencies, and planning to stay independent. All four brochures stress the need for financial planning and suggest resources for further information. (KC)