In this latest book, Joe the Monkey’s friends are spending all their money on “Stuff,” and Joe can't figure out why. In this final installment of the “Share & Save & Spend Smart” trilogy that includes the Dr. Toy Awards winners “Joe the Monkey Saves for a Goal” and “Joe the Monkey Learns to Share,” children learn that spending smart doesn’t always mean spending less. They also learn about the importance of local business, discretionary spending and smart consumer behavior. financial literacy