This BUCK AND PENNY book is written with the intent to introduce the basic principles of financial literacy. 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. These days hardly any 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 our children understand basic financial principals and help them establishing superior money habits so that future generations will be able to live happy fulfilling lives, DEBT FREE.