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Christie Ryan, B.A., M.A., LMHC. As a licensed mental health counselor, she works with troubled and disadvantaged youth and their families, teaching budgeting and money management skills. She has also taught student success skills and psychology courses at Highline Community College and Tacoma Community College. She holds an Educational Staff Associate certificate in school counseling and has also worked as a case manager for Southwest Washington Aging and Disability Services. Joan Ryan has taught personal finance for more than 20 years. While teaching at Willamette High School in Eugene, Oregon, she developed the original personal finance course materials for publication. Dr. Ryan currently is a faculty member in the business department at Clackamas Community College, Portland, OR. She also teaches accounting at Portland State University and is a Certified Managerial Accountant.