Object: A checkbook.

Good morning, boys and girls. What have I in my hand today? That's right. This is a checkbook. None of you are old enough to have one of these yet. Some day you will have one. A checkbook is a good way to keep track of your money. You can write out checks to pay for things, and keep money in your checking account until you need it later.

If I had a million dollars in my checking account would I be rich? (Talk it over.) It sounds as though I would really be rich if I had that much money in my checking account. But now let me tell you what I think. I think that if I had a million dollars in my checking account, I would not be rich. I would simply have a checking account with a lot of money in it.

Sometimes we read stories about people who have a lot of money but they …