PERSONAL FINANCE offers a practical, reader-friendly introduction to personal financial management. Using a structured, step-by-step approach, this market-leading text helps users learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Real-life scenarios, covering a wide range of financial challenges, enable users to appreciate the relevance of key concepts, and useful advice from personal finance experts helps them apply those concepts in their own lives. Many math-based examples also clearly illustrate the critical importance of achieving long-term financial goals through investing. Building on the success of previous editions, the new Eleventh Edition continues to engage and focus attention on the critical concepts needed to succeed in the classroom and to manage finances wisely for a lifetime.