Designed for teachers in high schools and adult education settings, this guide provides accurate and objective information for teaching basic personal financial planning, saving, and investing. It can be the framework for a short course or a supplement to existing high school or community college courses in mathematics, home economics, business education, economics, and personal finance. The six units each begin with a topic outline and contain learning objectives, background information for teachers and students, suggested activities, overhead transparency masters, student handouts and worksheets, additional resources, and a unit test and key. Unit topics are as follows: (1) financial decisions; (2) how financial markets work; (3) investment choices; (4) investment information; (5) investment fraud; and (6) ethics and fraud. The appendix includes sources of additional information and assistance and a glossary of terms. (YLB)