Why We Save For K-Second Grades: Lesson 8, Personal Finance Economics K-12: Pocketwise. Copyright ©1996, National Council on Economic Education, New York, NY 10036. Used with permission. Why Do I Want All This Stuff? For Third-Fifth Grades: Lesson 4, Personal Finance Economics 3-5: Smart Saving and Spending. Copyright ©1996, National Council on Economic Education, New York, NY 10036. Used with permission. M&M Interesting. For Sixth-Eighth Grades: Lesson 4, Personal Finance, Economics 608: Money in the Middle. Copyright ©1996, National Council on Economic Education, New York, NY 10036. Used with permission. Consumer Credit: Buy Now, Pay Later, and More. For Ninth-Twelfth Grades: Lesson 10, Personal Decision Making: Focus on Economics. Copyright ©1996, National Council on Economic Education, New York, NY 10036. Used with permission.