The student workbook was designed for a high school unit on personal income management, part of a family financial education program which also includes a unit on accepting credit responsibility. The student guide follows the same format as the teacher's guide and is based on three experiences--understanding checks, using a checking account, and using a savings account--which are linked together by a fictitious case history. The following is included for each of the three experiences: a situation involving the case history, several illustrations (information and drawings which provide a focal point for discussion), banking vocabulary terms, and activities and problems (with step-by-step directions) that provide experiences in managing finances. For some problems, workspace is provided in the book. Blank bank forms at the back of the workbook can be removed for use with certain problems. (Author/MS)