This article recognizes that money is a key problem in retirement and takes the approach that a review of past satisfactions and of future hopes is the best starting point in sound financial planning. Planning aids and worksheets are included. (Author/MLF)

The guide was developed to aid teachers in planning and developing programs in personal finance education which will prepare students to function as intelligent consumers. Three case studies illustrating common consumer problems are followed by the body of the guide, focusing on five major topics and incorporating economic, social, and physical…