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Personal financial planning is the application of the principles of finance to the monetary decisions of an individual or family unit. It addresses the ways in which individuals or families obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. PERSONAL FINANCIAL PLANNING, 11e creates a solid framework with the tools and techniques to help you better understand, define, and achieve your financial goals. The book follows a life-cycle approach, covering financial plans, assets, credit, insurance, investment, and retirement as you progress through a lifetime.

Tax law covering taxable and excludable income, deductions, basis, tax-free exchanges, capital gains and losses, tax credits, deferral of tax, and depreciation. Prerequisites: 56 semester hours completed; admission to Professional Business Studies or listed on signed major or minor. Tax laws can literally change overnight, at the whim of Congress. Any tax-related information in this book should be double-checked against the most current IRS rules and regulations.

Insurance must definitely be part of robust personal financial planning. A big portion of the role of personal financial planning is to make sure that one has the ability to carry on living in case of some unfortunate events, both big and small. Insurance – You may now truly believe that you have covered almost all the important aspects of a financial plan. You have made substantial progress but there still remains one important aspect that needs attention.