The teacher's guide is 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. It can be used by teachers of any subject attempting to develop in students habits and attitudes in the area of earning, saving, and spending. The unit 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. An introduction explains the objectives andorganization of the unit, and lists specific informational learnings and attitudinal aspects. The following is included for each of the three experiences: list of what students should learn, a situation involving the case history, several illustrations (information and drawings which provide a focal point for discussion), discussion questions, banking vocabulary terms, and suggested activities and problems (with answers) that provide experiences in managing finances. The guide is designed to be used with the coordinated "Student Problem Book." (Author/MS)