Personal Finance

By: E. Thomas Garman, Jonathan Fox

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eText | 16 January 2026 | Edition Number 15

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New Edition

Published: 23rd March 2023

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"Personal Finance," 15th Edition, introduces students to personal financial management with a practical, reader-friendly approach. Using a step-by-step presentation, students dig into how to save and invest, manage risk, plan for taxes, decrease credit card debt and build a low-stress financial future. This edition has been revised with special attention to our future selves, with the intention of bringing the reader closer to the challenges and opportunities in the financial life cycle. In "notes from our future selves," students will find actionable recommendations that show them how to protect their financial future. Numerous examples illustrate how to achieve long-term financial goals by calculating the financial equivalence between the present and the future.
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