Personal Finance and Economic Decision-Making

Finance

ISBN #978-1-959142-45-4

Personal Finance and Economic Decision-Making

Ben Blau, PhD
Todd Griffith, PhD
Ryan Whitby, PhD

This resource teaches students to become financially literate by connecting core personal finance topics, including budgeting, the time value of money, banking, credit, investing, retirement, real estate, and insurance, to the economic decisions people actually face. Grounded in real data on savings gaps and financial behavior, the resource examines the psychology behind common money decisions and equips students with strategies to avoid common pitfalls, building the financial vocabulary and confidence needed to manage cash flow, set goals, and plan for the future.

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Course Objective

This text provides an overview of personal finance essentials, covering topics like banking, budgeting, retirement planning, investing, and insurance, while also exploring the psychology behind economic decisions and strategies to avoid financial pitfalls.

Chapter 1: The Financial System

Chapter 2: The Time Value of Money

Chapter 3: Money and Banking

Chapter 4: Investments

Chapter 5: Retirement Planning

Chapter 6: Credit and Borrowing

Chapter 7: Real Estate

Chapter 8: Budgeting

Chapter 9: Personal Financial Statements

Chapter 10: Understanding Risk

Chapter 11: Insurance

Chapter 12: Behavioral Finance

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