Abstract: Pricing the utility of consumption is a widely used approach to price consumption. However, its price is measured by its marginal utility that denotes that price a consumer is willing to pay. The price it pays instead, is defined by the market consumption price resulting from multiple factors such as the volume and the composition of the aggregate consumption and their consumers wealth, the financial market investors use to manage their wealth, suppliers and in general competitive factors. In such a context, consumption is financial defined by the funds that a consumer is willing to commit to consumption and its residual invested in financial markets. The purpose of this educations paper brief is to introduce a multi-agents wealth and saving model as a complementary model to the extensive models derived from Merton fundamental model.