For introductory Personal Finance course Through the presentation of the Ten Fundamental Principles of Personal Finance, this text empowers students with the knowledge they need to successfully make and carry out a plan for their own financial future. The fifth edition has been substantially revised to reflect current changes in the financial environment, and student learning styles, while building upon the same basic logic and fundamental principles of personal finance. This edition has been  streamlined to focus on the "need to know" foundations of personal finance with a greater emphasis on visual examples in the form of flow charts, pie charts, and bar graphs.