four basic functions of money. Spender Bear, Saver Bear, Investor Bear, and Giver Bear can each do good and bad things with their money. When they work together they learn to build a budget and teach each other how to better manage their money. The Four Money Bears and their friends share their stories and give kids fun financial tips. They come together in their forest home to teach everyone money management skills. These skills serve as building blocks for strong financial literacy and expose young children to healthy financial habits. Parents can also help kids create their own budget for every month of the year at the end of the story!