Personal Finance 15th edition by Garman

Personal Finance 15th edition by Garman, published by Cengage, introduces the financial planning decisions students face throughout adult life. Coverage typically includes budgeting, saving, consumer credit, insurance, housing, investing, retirement planning, and taxes, with an emphasis on practical decision making. The text encourages readers to evaluate goals, manage risk, compare financial products, and understand the long-term effects of everyday choices. Written for personal finance courses, this edition helps students connect classroom concepts to real situations involving income, debt, family needs, and future financial security.