This learning guide is designed to connect personal, family, and job responsibilities for adults and out-of-school youth in economically depressed areas of the state (including transitional ex-offenders and corrections populations) so that these individuals learn to manage and balance these aspects of their lives in order to prepare for or continue successful employment. This learning guide contains four competency units that provide information on family and personal resources. The competency units cover the following topics: (1) determining the resources available to self and family; (2) describing how resource management affects goal achievement; (3) analyzing lifestyle patterns to determine how resources can be used; and (4) strategies and practices to determine how resources can be used to yield greater satisfaction. Each competency unit consists of learner outcomes, key ideas, definitions, teaching strategies and methods, and suggested learning activities. Twenty-six supplements include information and activity sheets on the following: types of resources; family resources; time, money, energy, and skills resources; matching resources; values; personal goals; case studies of various family situations; shopping; using resources; using money; family life cycles; lifestyle studies; increasing resources; and using time and energy. A bibliography lists 25 references. The Illinois goals for world-class education for the 21st century also are included. (KC)