Money Habitudes II uses the familiar playing card format and has contemporary graphics and Millennium-friendly language. They offer a non-judgmental, hands-on activity to begin to talk about money while discovering the hidden messages that motivate the way they make money decisions. Effective money management is really about making choices, balancing impulsive behavior, seeking acceptance, avoiding rejection and feeling empowered to plan for the future. The non-threatening, positive way the cards present these issues help 18-25+ year olds develop a healthier relationship with money so they are able to use their financial skills more successfully to manage money now and in the future. They can be used with individuals, couples or groups as a stand-alone activity or in conjunction with courses in financial literacy, couples/family counseling, career development, life skills, psychology and business. The Money Habitudes card sort takes about 15 minutes and the interpretation and discussion can be structured from 30 minutes to many hours depending on how they are being used.

Money Habitudes II is an adaptation of Money Habitudes for Teens. If you are working with older teens to young adults, it is recommended that you use this deck.

 Each deck of cards includes:

• 3 blue cards: Side 1 has Thinking Points/Discussion Ideas and Side 2 are the sorting cards for playing Money Habitudes Solitaire.
• 1 green card: Side 1 has directions to play Money Habitudes Solitaire. Side 2 has questions for additional discussion and taking next steps.
• 8 yellow interpretation cards for understanding the six habitudes and what they may mean. Each habitude has its own interpretation card which includes a motto, a description of how others may see a person with that habitude and typical advantages and disadvantages associated with that habitude. On the back of each card are suggestions for next steps.
• 54 white statement cards - nine for each of the six habitudes. Each is coded on the back with a colorful picture to identify the habitude with which it is associated.