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PERSONAL FINANCE 12E offers a practical, student-friendly introduction to personal financial management. The use of a structured, step by step approach, this market-leading text helps students learn to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Real-life scenarios, covering a variety of financial challenges, enable students to appreciate the relevance of key concepts, and useful advice from personal finance experts helps them apply those concepts in their very own lives. Many math-based examples clearly illustrate the critical importance of achieving long-term financial goals through making an investment. Building at the success of previous editions, the new Twelfth Edition continues to engage students and focal point their attention on critical concepts they want to succeed in class and to manage their finances wisely for a life-time.