This BUCK AND PENNY book is written with the intent to introduce the basic principles of financial literacy. Because finance encompasses every aspect of human life, knowing how to properly handle money will allow children to make proper decisions in the areas of giving, saving, spending, investing and retirement. Many times little thought is given to the planning of expenses and financial obligations. Credit card usage and debt is a way of life for most people. In order to break that cycle, parents should strive to make sure their children understand basic financial principles and help them establish superior money habits so that future generations will be able to live happy fulfilling lives, DEBT FREE. Ramona Rogers has been an educator in the field of Early Childhood Education for 15 years. Her passion and expertise makes for excellent presentation of the financial principles of earning, managing and retaining money in an easy to understand format for children.