Money Matters promotes financial responsibility and independence among Club members ages 13-18 by building their basic money management skills. Participants learn how to manage a checking account, budget, save and invest. They also learn about starting small businesses and paying for college. Money Matters features three components. The Teen Personal Finance Guide is a fun, attractive booklet containing practical tips and activities to help teens learn the important skills of balancing a checkbook, creating a budget and saving and investing for college and retirement. The Facilitator's Guide provides Club staff and volunteers with basic financial information and instructions for easy-to-implement small-group activities. The Money Matters Web site, offers teens an engaging online tool for building their financial management knowledge and skills through interactive activities, games and tools like a savings and financial aid calculator to plan for college.