Book excerpt: Did you know that the average American teenager spends nearly $3,000 a year? Sounds like a lot, doesn't it? But with money gifts from birthday and Christmas, allowances, and part-time jobs, teenagers have gained purchasing power in this country. But when you turn 20, will you know where that $21,000 went? We like to have money, save money, and especially spend money, but few people put learning about money at the top of their priority list. As a teen, maybe you don't feel that you have enough money to worry about it, but even though you don't have much, you have enough to matter-especially to the people that sell products for teens Don't get caught in the web of marketing gurus. Take control of your money, so no one else will. In the "Money Matters Workbook for Teens," Larry Burkett and Todd Temple will show teens how to: Pay fair price for quality items Avoid being ripped off by misleading ads and salespeople Stay out of debt Save for a car, college, your own business Give money away that will make a difference in the world Save money to do fun things with your friends Learn skills that will help you right now, and prepare for a successful financial future