Includes index.

Part I: FOUNDATIONS OF FINANCIAL PLANNING.

1. Understanding the Financial Planning Process.

2. Developing Your Financial Statements and Plans.

3. Preparing Your Taxes.

Part II: MANAGING BASIC ASSETS.

4. Managing Your Cash and Savings.

5. Making Automobile and Housing Decisions.

Part III: MANAGING CREDIT.

6. Using Credit.

7. Using Consumer Loans.

Part IV: MANAGING INSURANCE NEEDS.

8. Insuring Your Life.

9. Insuring Your Health.

10. Protecting Your Property.

Part V: MANAGING INVESTMENTS.

11. Investment Planning.

12. Investing in Stocks and Bonds.

13. Investing in Mutual Funds and Real Estate.

Part VI: RETIREMENT AND ESTATE PLANNING.

14. Planning for Retirement.

15. Preserving Your Estate.

Knowing how to handle money effectively is more important today than ever. Billingsley/Gitman/Joehnk’s market-leading PERSONAL FINANCIAL PLANNING, 15E provides the tools, techniques and understanding you need to define and achieve your financial goals. Numerous examples and practical illustrations complement a common-sense approach. Interesting features and insightful financial planning tips work with current updates to keep content both timely and relevant. New content guides you in using today’s financial tools and technology as you learn how to improve your spending habits, ask a financial adviser the right questions, budget effectively and choose the right bank for your individual needs. You also learn how to evaluate if it's best to buy or lease a vehicle, select the best credit card, recognize priorities in buying a home and even plan for retirement. In addition, MindTap online learning system is available to assist in completing homework and mastering key skills.