Because a woman's level of living and quality of life are determined to a great degree by the choices she makes while still in her teens, the purpose of the unit is to give American Indian girls some idea of what it costs to live, how to use their resources, and to help them develop skills for managing their resources. The unit includes the following concepts: (1) there are individual attitudes toward money; (2) managing money is based on goals; (3) values are related to spending; (4) a spending record is important; (5) there are resources besides money; (6) wants and needs are not the same; (7) a spending plan helps one control money; (8) a spending record and a spending plan go together; (9) managing money is related to choices; (10) sharing is part of managing money; and (11) saving is part of money management. The unit provides books for girls ages 9 to 11, 12 to 14, and 15 to 18. Most of the background information for the unit is in the book for 15 to 18 year olds. Exercises in the unit provide opportunities for girls to clarify their values, keep spending and saving records, and learn about the costs of living. There is also a set of quotations about money and a "$ Game" which includes a game board and a set of playing cards. The leaders' guide contains concepts, objectives and background information for learning activities for the unit. (Author/CM)