This unit of lesson plans is designed to introduce the client to spending and saving money intentionally and wisely. The lessons cover the tools to manage an income by creating a budget; setting long- and short- term financial goals; taking advantage of the banking system; reducing and eliminating debt; investing into the stock and bond markets; and giving responsibly. Additionally, these lessons provide natural teaching opportunities for acquiring a signature, check writing, ATM and debit/credit card usage, and exploring a bank.