Personal Finance (3^rd Ed.)

Personal Finance, 3rd Edition offers essential skills and knowledge that will set students on the road to lifelong financial wellness. Byfocusing on real-world decision making, Bajtelsmit Personal Finance engages a diverse student population by helping them make personal connections that can immediately impact their current financial situations. Using a conversational writing style, relatable examples, and up-to-date coverage on important topics ? such as student debt, housing, fintech and AI ? students gain the knowledge they need to avoid early financial mistakes. By the end of the course, students have identified their goals and developed the problem-solving skills they need to build on as they progress to the next stages of life.

1 The Financial Planning Process

2 Financial Planning Tools: Personal Financial Statements and the Time Value of Money

3 Budgeting and Cash Management

4 Tax Planning

5 Managing Credit: Credit Cards and Consumer Loans

6 Making Automobile and Housing Decisions

7 Insuring Cars and Homes

8 Life Insurance and Long-Term Care Planning

9 Employee Benefits: Health, Disability, and Retirement Plans

10 Saving for Distant Goals: Retirement and Education Funding

11 The Fundamentals of Investing

12 Investing in Stocks and Bonds

13 Investing in Mutual Funds and Real Estate