＂As authors and teachers, we believe it is important to help people develop a plan to achieve financial security. While the 12th edition of Personal Finance does not guarantee that each student
will be able to get the ideal job or become a millionaire, it does provide the information needed to take advantage of opportunities and to help manage personal finances. As in previous
editions, we address the changing financial needs and challenges that students face on a daily basis. The 12th edition of Personal Finance provides a wealth of information about career
planning; money management; taxes; consumer credit, including college loans; housing; legal protection; insurance; investments; retirement planning; and estate planning. By teaching students
how to make informed choices, we believe you can encourage them to build a foundation of financial security＂--
