What is this book all about? Financial literacy is widely agreed to be a very important topic in our society. There are thousands of...

The financial planning process is the taking of conscientious and systematic steps toward fulfilling your financial goals. Conscientious...

Good financial management is not about making or keeping money. In fact, fixating too much on money can cause people to make major...

This chapter is on a topic called the time value of money. The time value of money is the cornerstone of the entire financial planning...

In this chapter, we are going to discuss the nature and role of income taxes. The Progressive Tax System The United States uses a type of...

Financial statements and ratios are tools that are used to monitor and assess your progress towards reaching the goals specified in your...

In this chapter, we’re going to discuss you - what your money personality is, how you can discover if for yourself, and how it relates to...

Establishing and maintaining your credit report and score is essential to your ability to effectively borrow money. Credit Reports Your...

Your credit score (also sometimes called your credit rating) is a single numerical evaluation of your credit worthiness. It gives lenders...

You may wish to review the discussion in Chapter 2 about the financial planning lifecycle and how we take money from our future in order...

College can be a rewarding experience, but the high cost means that student loans are needed by most people. Federal education loans are...

Transportation is a fundamental human need, and one that can get very expensive. This chapter will discuss a variety of ways to obtain an...

The largest single expense a household faces is usually the cost of shelter. This chapter discusses how to find a place to live....

So, you’ve decided that it’s time to buy a home? Wonderful! Let’s talk about how you actually make the leap and buy a home. The buying...

The most important asset you have is yourself - your knowledge skills and abilities. choosing carefully how to build your skills can...

The income that your human capital can produce will depend on what you are able to earn in the job market. The job you get will depend in...

Saving and investing doesn't have to be complicated. You can master the investment process with just a little bit of the right...

Investments are measured and evaluated in many different ways. Among the most important characteristics of an investment are its...

There are many different assets you may choose to hold the money you save. These investments are diverse and serve very different roles...

Preparing for retirement is one of the largest financial tasks that a household must face. Fortunately, there are a number of very...