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Acknowledgements

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Special thanks to the people who encouraged me to write this workbook, particularly my teenage nephew and niece, Denzeyl and Brianna Morris. This workbook is based on their lives, but I have taken the liberty of changing events to make specific points. Therefore, this is not a 100% portrayal of their lives. Denzeyl and Brianna have worked as consultants on this workbook, having worked through the entire book and providing very valuable insight.

I would also like to thank the 2008 8th Grade students at Turn of the River Middle School in Stamford, CT who provided an audience for a focus group and who also served as students for a pilot class on Income and Expenses. This group of students was very enthusiastic about the book. They provided the family names, requested that I added a chapter on Personal Value, and also rated the importance of the topics in their teenage lives.

Additionally, a warm thank you to the 2008 After School program of the George Washington Carver Center in Norwalk, CT, who also provided an audience for a focus group. These students likewise provided valuable comments as I taught an overview class on the entire workbook. To these students: “Thank you very much for your input and recommendations.”

To the students who participated in the photo shoot, thanks so much for your time and participation. Thanks to your parents as well, who gave their permission.

I also extend my thanks to the adults who prodded me to complete this workbook, and to those who made sure I went from concept and initial chapters, to final completion. Also, to those adults who reassured me of the need for this book, and the value they would have derived from it, had it been available in their teenage years.

My genuine thanks to the teenagers, young adults and adults who made up my editorial team.

Thanks to all for an enjoyable journey through my various careers that led to the ability to write this book.

Most importantly, thanks be to God, who has blessed me with the education, experiences and wherewithal to work through to this part of my destiny.

Teen Money 101

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