A teen with a job faces all kinds of decisions about how to use that paycheck: go out to dinner or save for a car? A new iPod or college tuition? Spring break at the beach or a long-term investment? Program introduces the concepts of money management and financial planning for the future in a fun, easy-to-understand manner. Experts coach students on how to budget for expenses, set and attain savings goals, and choose the best ways to save and invest their money. Students learn how to make monthly budgets, how to estimate expenses, how to balance a checkbook, how internet banking works, how credit cards work, how to avoid credit traps, and how to protect themselves from identity theft. Students learn the basics about how to spend smart, save, and invest for the future. Humorous vignettes and solid advice make these important lessons entertaining for teens.