Each teen must visit merchants to select housing, transportation, food, housing, transportation, food, household necessities, clothing, day care and other wants and needs while building a budget. NuMark Credit Union has an office in Mad City, too. Mad City Money allows participants to make mistakes and suffer the consequences of their decisions in a realistic, but safe environment. Most participants are surprised to learn “I can’t have a big house and a new truck on my salary and still pay for day care and groceries.” Once the shock wears off, they reevaluate their choices and manage their money more effectively.