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This book is a practical financial literacy tutorial for children, young adults and their families. This is a translated book (from English into Russian language) The information in this book will help you understand what money is; what is the value of money; how much is time worth, why it is impossible to buy everything you want and answer other difficult questions about personal finance.

By reading this book you will:

Develop positive spending habits;

Learn to save for a specific goal

Learn to establish good credit from the start;

Learn to protect your assets (and the assets of your parents); and

Even learn a bit about retirement savings.

And most importantly Ð by reading this book, you and your family will have a great time together as a family and learn a valuable lifelong skill Ð how to manage your personal finances!