This newsletter presents four articles designed to help business educators educate learners in grades K-12 about personal finance. "Now More Than Ever: The Need for Financial Literacy" examines the following topics: evidence that the United States is becoming a nation of debtors; the plummeting personal savings rate; the increasing complexity of economic decision making; strategies for addressing gaps in education; and steps business teachers can take now. "Teaching Fiscal Fitness" highlights effective strategies for incorporating personal finance into classroom activities, recommends useful educational resources, and discusses the importance of instruction in the following topics: budgeting, credit, comparison shopping, taxes, saving and investing, and the importance of diversification. "Women and Money" explains why financial literacy is especially important for women. "Twelve Principles That Every Young Person Should Know" lists and discusses the following principles of personal finance: (1) map your financial future; (2) don't expect something for nothing; (3) high returns equal high risk; (4) know your take-home pay; (5) compare interest rates;(6) pay yourself first; (7) money doubles by the "rule of 72"; (8) your credit past is your credit future; (9) start saving young; (10) stay insured; (11) budget your money; and (12) don't borrow what you can't repay. A list of 15 resources is included. (MN)