Dollars & Scholars: Smart Money Moves for Your Present and Future is the go-to financial guide for students and young adults who want to take control of their money—without the fluff, lectures, or boring jargon. Whether you're trying to avoid debt, stretch your refund check, or finally understand credit, this workbook breaks it all down with straight-up advice and real-world application. You'll learn how to make smart financial decisions now that will position you for success later. Inside, you’ll discover: Cash Codes — unbreakable financial rules to live by - Budgeting strategies that actually make sense - The truth about credit cards, student loans, and saving - How to spot scams, avoid silent money traps, and grow your financial confidence - Reflection questions, commitment statements, and interactive exercises to help you apply what you learn Designed for students, first-gen scholars, and anyone ready to stop guessing and start winning with money. You don’t need to be perfect. You just need to get started.