This packet contains 14 consumer education guides concerning financial and legal issues for families at various life stages. The guides are especially aimed at persons living in Montana. The guides cover the following topics: (1) helping people to cope with financial crisis; (2) using a check register to track expenses; (3) individual retirement accounts; (4) estimating the amount to save for retirement; (5) schedule of nonmonthly family living expenses; (6) power of attorney; (7) financing a college education; (8) living trusts; (9) estimating the amount to save for college; (10) legal and financial implications of marriage in Montana; (11) managing a seasonal income for family living expenses; (12) estate planning for families with minor children; (13) remarried families--making financial decisions; and (14) financial aspects of premarital agreements. (KC)