Book excerpt: "Author Bair has serious finance credentials. She is a former chair of the Federal Deposit Insurance Corporation and current chair of Fannie Mae—and, now, an author of whimsical personal finance books for young children."—Booklist A serial spender discovers that there's a difference between wanting something and needing it. Billy the Blue-Footed Booby, who lived on the Galapagos, wanted to buy an umbrella, so he went to Selling Seal. But Billy didn't listen to Seal's explanation of what that umbrella would end up costing him. And then Billy wanted a fan like Arlene the tortoise's, a purple-striped wig like Ig the iguana's, neon-green shoes like Niels the lizard's, and Seal's anchovy grill. All his friends and his twin sister Bess tried to help, but Billy lost everything.