You’re parents were right: money doesn’t grow on trees. It actually grows on other money—which is where we get
the old saying, “It takes money to make money.” Money does have an amazing ability to make more money. The
good news is it doesn’t take much money to take advantage of this.
You already have several powerful tools for reaching your financial goals, including a financial plan to help you map
out the route and a spending plan to help you get there. In this unit, you will be introduced to two more powerful
tools—saving and investing—which will really put your money to work for you.