Copyright Goodheart-Willcox Co., Inc. iv Reviewers The authors and the publisher wish to thank the following industry and teaching professionals for their valuable input into the development of Foundations of Financial Literacy. Laura S. Beaton GED Instructor Mount Vernon Adult Complex Henrico, Virginia David M. Candelaria Tech Coordinator, Department Chair Career and Technical Education Del Norte High School Albuquerque, New Mexico Maureen M. Demers, CFP® Principal Demers Financial Planning Methuen, Massachusetts Suzanne Dowd, G-W Advisory Council Team Leader, Family-Consumer Science Family-Consumer Science Teacher Plano West Senior High School Plano, Texas Lynn Falk, G-W Advisory Council Business Educator Bemidji High School Bemidji, Minnesota Delia Fernandez, MBA, CFP® President Fernandez Financial Advisory, LLC Los Alamitos, California Laura Hildebran Business Teacher River Bend Middle School Claremont, North Carolina Clarissa R. Hobson CFP®/Senior Financial Planning Advisor Carnick & Kubik, LLC Colorado Springs & Denver, Colorado Michael Koch Vice President Insurance Services Wilder, Kentucky Christy R. Sellers Business & IT Teacher Robert E. Lee High School Staunton, Virginia Joy Shannahan IBCC Coordinator/ BIT-CTE Teacher J.E.B. Stuart High School Fairfax County Public Schools, Virginia Randy R. Sims Mortgage Loan Officer Huntington National Bank Columbus, Ohio John L. Sorah, EdS Financial Literacy Instructor Mill Creek High School Hochton, Georgia Cynthia M. Sweeney Business Teacher J.M. Alexander Middle School Charlotte-Mecklenburg Schools Huntersville, North Carolina Jenifer C. Richards Business Education Teacher Spartanburg High School Spartanburg, South Carolina Lois L. Richardson, G-W Advisory Council Teacher, CTE Copperas Cove High School Copperas Cove, Texas