Developing financial fitness requires developing a knowledge base and then applying it. This teacher guide and student workouts package contains 15 lessons from students at grades 3-5, divided into 4 theme areas of earning and income, saving, spending and borrowing, and managing money. The development of knowledge for use in the everyday life of students is a main goal of the lessons in this guide. Besides the fitness focus, the materials are based on the National Council on Economic Education's Voluntary National Content Standards for Economics. Assessment questions are provided at the end of each theme. Nine lessons in the guide are estimated to take one to two class periods, while the other six generally take between two to four class periods. The activities are categorized as those that are suitable for all students at grades 3-5 and those that may be challenging for some students at the 3-5 grade level. All the lessons focus on having students do various activities and think about or reflect upon their actions. The teacher guide provides a lesson description and background, lists equipment needed, and gives student objectives. It includes activity sheets and visuals for the lessons and cross training activities, an integral part of the curriculum. (Contains a language arts matrix, a mathematics matrix, an economics matrix, and a personal finance management guidelines matrix at the beginning of the guide.) (BT)