With Jeff Madura's outstanding new text, your students will leave their course with the tools and knowledge they need to manage their own personal finances--efficiently and successfully! Building a ready-to-implement financial plan is the key to this text's unique format. It takes students step-by-step through the entire process of creating their own personal financial plan that specifies their financial goals, and describes the spending financing, and investing steps needed to achieve these goals. Madura focuses coverage on the areas of key interest to today's student such as personal investing.Throughout the text, students come face to face with the many decisions that accompany each personal financial concept. They learn the reasons and consequences behind each decision they make, and they see clearly how each decision affects their personal plan. Throughout the text, students encounter Financial Planning Online boxes--complete with screen shots--plus Financial Planning Online Exercises at the end of each chapter.