Personal Finance

This market-leading text offers a student-friendly, practical introduction to managing personal finances. The structured pedagogy helps students learn how to save and invest, manage student loans, file taxes, decrease credit card debt and plan for the future. Throughout the text, students receive advice from personal finance experts, and read a variety of real-life scenarios about people facing a wide range of financial challenges. Many examples, mathematical in nature, illustrate the critical importance of achieving long-term financial goals through investing. The Ninth Edition captures student interest and focuses the reader’s attention on the most important concepts.

E. Thomas Garman is an author, researcher, and advisor based in Orlando, Florida, and professor emeritus at Virginia Polytechnic Institute and State University (Virginia Tech). He has worked for a U.S. senator in Washington, D.C., in economic development in West Africa, in sales management, and for a non-profit credit counseling organization. He is an elected Distinguished Fellow of both the American Council on Consumer Interests and the Association for Financial Counseling and Planning Education. Garman has served on consumer advisory boards for the American National Standards Institute, the U.S. Food and Drug Administration, the Board of Governors of the Federal Reserve System, the National Advertising Review Board, the National Foundation for Credit Counseling, Kraft, Conoco, and Sears & Roebuck. His consulting includes work for Manulife Financial, Profit Sharing/401k Council of America, AT&T, the U.S. Navy, the U.S. Army, and the U.S. Department of Defense. His work has been featured in hundreds of publications, including USA Today, The Washington Post, The Los Angeles Times, and U.S. News & World Report, and he has appeared on National Public Radio and NBC Nightly News.

Raymond Forgue is an associate professor in the Department of Family Studies at the University of Kentucky. He has served as chair of the department and acting dean of the College of Human Environmental Sciences. For over twenty years, he has taught various courses in consumer studies, personal finance, and insurance. His professional service has included the presidency of the American Council of Consumer Interests and a seat on the board of directors for the Association for Financial Counseling and Planning Education. He has consulted on personal finance education training for the Accredited Financial Counselor certification program.