Provides a solid framework, meaningful context, institutional understanding, and critical skills for solving key personal financial planning problems for the graduating seniors or the graduate students who will enter the job market. Practical illustrations and substantive examples complement formal and intuitive approach for use by current students and tomorrows graduates when succeeding in a dynamic job market with minimal support for managing finances are becoming the norm in our society. Students learn how to manage their finances, improve spending habits, ask the right questions, budget effectively, pay taxes, choose the right bank for their needs, determine whether to buy or lease a car, select the best credit card, recognize what's most important in buying a home, investing, plan for retirement, and make sound decisions.