volume i: preparing for the real world (grades 1-4)a workbook designed to teach children how to create a lifetime plan towards learning specific methods about spending and saving, budgeting, separating their wants and needs, and how to overcome overspending. lavica m. chandler is passionate about developing children's financial literacy. knowing that today's children are the upcoming future leaders of generations to come, lavica created this three tiered curriculum to empower children and teens with the necessary knowledge to be financially free from the negative consequences of poor financial decisions. as a credit professional, entrepreneur, and mother, lavica used her academic, business, and personal experience to design this original interactive series. her hope is that adults will gather the children in their lives to utilize this resource to its greatest potential.