v Table of Contents CHAPTER 1 Planning: Your Financial Future Begins Here . . . . . . . . . . . . . 2 CHAPTER 2 Earning: Understanding Your Paycheck . . . . . . . . . . . . . . . . 16 CHAPTER 3 Budgeting: Using Your Money Wisely . . . . . . . . . . . . . . . . . 43 CHAPTER 4 Banking and Checking: Managing Your Money . . . . . . . . . . 64 CHAPTER 5 Saving: Setting Aside Money for Your Future . . . . . . . . . . . 90 CHAPTER 6 Credit: Buy Now, Pay Later . . . . . . . . . . . . . . . . . . . . . . . . 110 CHAPTER 7 Insurance: Protecting Your Assets . . . . . . . . . . . . . . . . . . . 140 CHAPTER 8 Education: Funding Your Future . . . . . . . . . . . . . . . . . . . . 165 CHAPTER 9 Loans and Leases: Paying for Cars and Housing . . . . . . . . . 187 CHAPTER 10 Investing: Making Your Money Work for You . . . . . . . . . . 210 CHAPTER 11 Retirement and Estate Planning: Looking Toward Your Future . . . . . . . . . . . . . . . . . . . . . . . 244 Math Skills Handbook . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 266 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 273 Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 278