Introduction to personal finance: beginning your financial journey (Third edition.)

"Your interaction with and use of money is a lifetime journey.

This text will help prepare you to successfully navigate the financial decisions in your life.

We will provide you with the tools-both conceptual and functional-that will enhance your financial literacy and capabilities.

What do we mean by financial literacy? Some have described financial literacy as financial education or being financially knowledgeable.

Some think financial literacy is the same as having a background in economics.

Others define financial literacy as being a streetwise consumer"--.