Join Pete and Penny Penguin on their journey of learning as these eager-to-spend youngsters learn a lesson about money and personal finances. Trouble strikes when Granny and Papa send Pete and Penny to the market for milk and bread, but they return with treats and toys! Pete and Penny must learn ways to earn money while discovering the difference between wants and needs. Granny and Papa teach smart spending, the importance of saving, and charitable giving through the Common Cents plan. But above all, learning about earning encourages Pete and Penny to dream about their future careers. Teaching primary grade students financial literacy ensures their ability to understand money in an increasingly cashless society and inspires them to consider career options for earning income, empowering their futures.