From buying a new game to saving for a future goal, spending and saving are part of everyday life. This book introduces readers to the important difference between using money now and setting it aside for later. Clear, accessible text explains how people earn income, make spending choices, create simple budgets, and plan for short- and long-term goals. Readers will also discover how needs and wants influence decisions. With engaging examples and clear, straightforward language, this book supports state and national standards while making foundational financial literacy concepts easy to understand for learners in grades 3-5.