Master your money with PERSONAL FINANCE, 12th Edition, the ultimate guide for smart financial management. This practical and student-friendly textbook, available at The Bookish Owl, provides a clear, step-by-step approach to essential personal finance skills. Learn to effectively save and invest, navigate student loans and taxes, conquer credit card debt, and build a solid plan for your future. Featuring engaging real-life scenarios and expert advice, this edition makes complex financial concepts accessible and applicable to your own life. Discover the power of investing for long-term financial goals through clear, math-based examples. Equip yourself with the knowledge needed to succeed academically and manage your finances wisely for a lifetime.