Financial literacy has never been more important than it is today. Dollars & Sense for Teens is written by a residential mortgage banker with over 20 years of experience. The book is designed to help teens form financial habits and skills to last a lifetime. This is a powerful book that can be used for decades as a financial reference book. The first chapter shares the habits of financially successful people. This is a critical chapter, as it gives the foundation for financial success. To continue building a strong financial foundation, guidelines for income, debt and building great credit are covered in detail. Additionally, a section of questions, with answers, is given to anchor the teachings of the book.