to fundamental economic concepts so they can better understand an increasingly complex world. They learn how to identify and manage resources to achieve their own economic goals. A chapter covers each personal finance area: taxes, credit, insurance, savings, investments, and financial institutions. Students also learn how to make wise decisions about the things that affect many household budgets: food, clothing, transportation, housing, technology, and health. The text challenges students to plan their futureswith education, job training, and careersand help make environmental resources available for future generations. Each chapter contains colorful photos and charts, compelling case studies, career profiles, reports about current global issues, and related content from other academic areas.

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