Sally Saver

Sally’s mom and dad died in a car accident so she is being raised by her grandmother and grandfather. Both retired, home paid off, no debt because they paid it all off. Sally’s grandfather taught her the importance of credit and her grandmother taught her the importance of saving. Both grandparents are very active in the community and try to instill old fashion values in their grandchild. Sally is a straight ‘A’ student who wants to teach all of her friends the importance of saving and investing, as well as how to have great credit, start a business, give back to the community.

When money realizes that it is in good hands, it wants to stay and multiply in those hands.

Idowu Koyenikan

Frugal Freddie

Raised in a single family household, mom is struggling to make ends meet. Freddie has learned through his struggle to make something out of nothing. He is a survivor and can make do with the smallest amount of money. His mom does not buy designer name brands at the store. He is humble.

Balancing your money is the key to having enough.

Elizabeth Warren

Casey Cash

Casey and her mom live with her grandmother who is retired and lost her husband so she is living off his pension, as well as her retirement, so she’s very comfortable. Casey’s mom does not help financially, she blows through money. Casey watches her mom and loves the lifestyle and wants it as well. She wants to get her hair done, her nails done, buy shoes and handbags. She is the shop-til-you-drop kinda girl. Sally is trying to teach Casey to be more responsible with her spending.

If you buy things you do not need, soon you will have to sell things you need.

Warren Buffet

Rick Slickster

Rick came up in an abusive household. His father was a gambler who waged all of his earnings at the casino. He was always looking for a way to come up or hustle. Rick watched his dad and picked up his bad habits. This made him very unpleasant to be around. When his dad lost, he took it out on Rick. That is why Rick is not nice to his friends.

You must gain control of your money or the lack of it will forever control you.

Dave Ramsey

Billy Budget

Bill grew up with a background strong in Asian values. His father is the owner of a very successful tech company and his mother is a realtor. Since his mom has to financially appeal to her clients, she shares stories with them about purchasing a house, investing, saving, and making wise financial decisions to help them obtain a mortgage. Billy goes with her to show house listings and hears her tell these stories to help her clients. Billy wants to be a real estate investor when he grows up.

Know what you own, know why you own it.

Peter Lynch

Sam Spender

Sam’s father is a bank president and his mother is a housewife who is very active in the community. Sam’s father is well-off and believes in buying all of the finer things in life. Sam sees his father spending, however, he does not see the hard work his father does to acquire his riches. Sam just wants to spend money fast, but does not know or want to know how to earn it.

Do not save what is left after spending; spend what is left after saving.

Warren Buffet