Designed primarily for administrators, staff developers, counselors, and teachers of adult basic education (ABE) and English as a second language (ESL), this book provides resources for a staff development program for trainers of ABE and ESL teachers. There are four sections. The staff development manual provides a procedure for introducing teachers to the relationships between cultural patterns and financial practices. A series of four staff development workshops are detailed with all necessary handouts and activities provided. Listings of references are appended. The next section, "Planning Staff Development Workshops: A Process Model," provides the concepts and processes upon which the workshop program is built. It informs the workshop leader of the steps necessary for the delivery of effective staff development workshops. The Resource Data Manual provides selected research data about the relationship of financial planning to cultural diversity. All data are referenced. (References appear at the end of the section.) The teacher's manual, containing resources for ABE teachers, is divided into three parts: a process approach for teaching multicultural ABE/ESL students, three complete curriculum modules (each containing objectives, classroom strategies, pre- and posttests, and handouts), and an annotated student reference section. Teacher resources are also cited. (YLB)