This booklet, written with the beginning investor in mind, will help readers set clear-cut financial goals and develop a savings and investment program for achieving them. It is suitable for personal use by adults or for classroom use in junior high through adult consumer education classes. The booklet provides information on a variety of savings and investment options as well as some basic guidelines on investing money to meet present and future needs. Specific topics covered by this guide include the following: the dynamics of the financial world; building financial security; financial institutions, products, and services; investments for growth and income; investing in yourself; retirement planning; and estate planning. A glossary of savings and investment terms and a list of suggested resources are included in the guide. (KC)