This book is designed to help students in grades 6-8 make better decisions as spenders, savers, borrowers, and managers of money. The learning experiences focus on personal finance and money management. The 10 lessons divided into 4 units include: (1) "Check It Out"; (2) "Party Planners"; (3) "What Would You Do?"; (4) "M&M Interesting"; (5) "The Great Millionaire Race"; (6) "Purchasing Power (Cash vs. Credit)"; (7) "Savers, Bankers, and Borrowers"; (8) "Who Gets the Money?"; (9) "What Works for Us!"; and (10) "At the Margin: Education Pays!" (EH)