table of contents Spend or Save 4 Making Interest 22 Glossary 24 Index 24 About the author Jennifer Colby is a school librarian in Michigan She saves for her retirement About the illustrator Jeff Bane and his two business partners own a studio along the American River in Folsom California home of the 1849 Gold Rush When Jeff’s not sketching or illustrating for clients he’s either swimming or kayaking in the river to relax 3
spend or save Do you have money You can do two things with it You can spend it You can save it 4
