Discover the keys to personal financial management with the practical introduction in Garman/Fox's market-leading PERSONAL FINANCE, 14th EDITION. The step-by-step approach gives you a set of actionable items on how to save and invest, manage financial risk, plan for taxes, decrease credit card debt and reduce financial stress throughout your lifetime. Financial planning sounds easy but has proven difficult for far too many. Throughout the book you will find many "notes from our future selves", which are based on decades of research in personal finance where the authors have come to understand the cognitive and implicit biases that influence our financial decisions. All too often, these biases distract people from a more direct path to financial goals. Many math-based examples allow you to get your hands on the ideas behind trading present consumption for that planned in the future. With the latest updates and learning tools, this edition prepares you for personal financial success.