Discover the keys to personal financial management with the practical introduction in Garman/Fox's market-leading PERSONAL FINANCE, 14th EDITION. The step-by-step approach gives you a set of actionable items on how to save and invest, manage financial risk, plan for taxes, decrease credit card debt and reduce financial stress throughout your lifetime. Financial planning sounds easy but has proven difficult for far too many. Throughout the book you will find many "notes from our future selves", which are based on decades of research in personal finance where the authors have come to understand the cognitive and implicit biases that influence our financial decisions. All too often, these biases distract people from a more direct path to financial goals. Many math-based examples allow you to get your hands on the ideas behind trading present consumption for that planned in the future. With the latest updates and learning tools, this edition prepares you for personal financial success.

Discover the keys to personal financial management with the practical, reader-friendly introduction in Garman/Forgue's market-leading PERSONAL FINANCE TAX UPDATE, 13E. This step-by-step approach teaches you how to save and invest, manage student loans, file taxes, decrease credit card debt and plan a strong financial future. The latest financial information throughout this edition incorporates significant changes to the U.S. income tax system with the "Tax Cuts and Jobs Act" of 2018. Memorable scenarios lifted from actual situations depict a variety of financial challenges - showing you the relevance of what you're learning and the importance of advice from trusted personal finance experts. Many math-based examples clearly illustrate how to achieve long-term financial goals through investing. With the latest updates and learning tools, such as an online financial planner in MindTap digital resources, this edition prepares you for personal financial success now and throughout your lifetime.

Financial Planning and Personal Finance 1st Edition is the most comprehensive text on the market, covering both professional Financial Planning and Personal Finance. Using a structured, step-by-step approach, you will learn about financial planning from a professional and personal perspective: how to save and invest, manage loans, file taxes, and decrease credit card debt. Real-life scenarios covering a wide range of financial challenges enable you to appreciate the relevance of key concepts, and useful perspectives from personal finance and financial planning experts helps you apply those concepts. Maths-based examples illustrate the critical importance of achieving long-term financial goals through investing. Get up to speed with a variety of digital financial management tools with expert, up-to-date coverage of FinTech, and access helpful resources via your instructor.