"How you learn how to handle your money now will go a long way in determining which financial track you will take in life. Financial literacy is generally defined as having the right habits and knowledge about money that lead to financial security and the ability to weather an unexpected emergency expense"--

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Gr 7 Up—This primer on handling money will be a great boon for teens just learning about saving and spending. Do they want to start making and saving money for a car, new tennis shoes, or even to attend a dream college? Ferry offers guidance in an accessible way. He teaches young people that being financially literate means having both math and reading skills to make good decisions about managing their finances. This guide provides insight on the 50/30/20 rule, a budget that encourages people to use 50 percent of their after-tax pay on needs, 30 percent on wants, and 20 percent on savings or paying off debt; making SMART (Specific, Measurable, Attainable, Relevant, and Timely) goals; and more. The author even includes interactive vocabulary word sections in every chapter. This work will answer all of teens' financial literacy questions. It is an easy and quick read for parents, educators, and students. This practical yet informative guide will help teens make better financial decisions that will impact their future. VERDICT A good choice for financial literacy programs and economic high school courses.—Amanda Austin

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