Money Matters promotes financial responsibility and independence among Club members ages 13 to 18. Participants learn how to manage a checking account, budget, save and invest, start small businesses and pay for college. The Facilitator's Guide provides Club staff and volunteers with basic financial information and instructions for easy-to-implement small-group activities. The fun, attractive Teen Personal Finance Guide contains practical tips and activities to help teens learn to balance a checkbook, create a budget and save and invest for college and retirement.