Mark Oestreicher (Marko) is a veteran youth worker and former president of Youth Specialties. The author of dozens of books, including Youth Ministry 3.0 and Middle School Ministry, Marko is a sought after speaker, writer and consultant. Marko leads The Youth Cartel, providing a variety of resources, coaching and consultation to youth workers, churches and ministries. Marko lives in San Diego with his wife Jeannie and two teenage children, Liesl and Max. www.whyismarko.com.

Todd Temple has written dozens of magazine articles and 22 books to youth and adults. Among his books on personal finances are: How To Become a Teenage Millionaire; Money-Making Ideas for Kids; Money Management for Teens (age 11-14 edition); Money Management for Teens (age 15-18 edition) (both with Larry Burkett); and Money – How to Make It, Spend It, and Keep Lots of It. He is president of Media Complete Corporation, makers of Media Shout software. A resident of Del Mar, California, he attends Solana Beach Presbyterian Church.