The goal of Garman/Fox's PERSONAL FINANCE, 14th EDITION, is to introduce students to personal financial management with a practical, reader-friendly approach. In a structured, step-by-step presentation of actionable items, it digs deep into how to save and invest, manage risk, plan for taxes, decrease credit card debt and build a low-stress financial future. In this edition, the text has been rewritten with special attention to diversity and inclusion. Memorable case study scenarios depict a variety of financial challenges and "notes from our future selves" show how the biases of the present self can negatively influence financial decisions. Numerous math-based examples illustrate how to achieve long-term financial goals by calculating the financial equivalence between the present and the future. With the latest financial information and proven learning features, this edition focuses students' attention on the concepts that are most important for personal financial success.