Money Wise Builders: Smart Money Skills by Don D. Brown helps children ages 10–12 practice budgeting, saving, banking, smart shopping, and other essential financial literacy skills. A first earning opportunity. A purchase that looks like a bargain. A savings goal that requires patience. Everyday situations give young people opportunities to think carefully, compare choices, and check the numbers. Follow Jamie Carter, Sophia, Kai, Marcus, and Olivia as they explore money decisions with Ms. Rodriguez. Through fictional classroom stories, worked examples, and practical activities, readers move from understanding basic ideas to applying useful skills. Across 16 chapters, readers learn to: Make spending plans and set achievable savings goals. Compare prices, discounts, and the cost of purchases. Understand banking basics, digital payments, and borrowing. Explore small-business ideas, earning opportunities, and community giving. Recognize scams and protect personal financial information. The book includes money-math practice, learning resources, family discussion prompts, planning activities, and answer guidance. Readers are encouraged to explain their reasoning and consider what changes when a price, goal, or assumption changes. Book 2 of the four-book Money Wise series, Builders supports families, classrooms, and homeschool learning with practical financial education for growing independence. Build skills young people can use whenever they earn, save, spend, or plan.

Free companion Teachers Guide: Download lesson plans, printable activities, discussion questions, and assessments for Money Wise Builders, ages 10-12. Get the free Teachers Guide.