This book is designed to help students in grades 9-12 make better decisions as spenders, savers, borrowers, and managers of money. The learning experiences focus on personal finance and money management. The 10 lessons divided into 4 units include: (1) "Challenging Choices"; (2) "Learning, Earning, and Spending"; (3) "How Much Is Too Much?"; (4) "Prom Trade-offs"; (5) "Timing Is Everything"; (6) "Saving Selection"; (7) "The Urge to Splurge"; (8) "The Credit Connection"; (9) "Expect the Unexpected"; and (10) "Changes and Choices." Contains an extensive list of teacher resources. (EH)