The fun and easy way to manage-and get the most out of-money The quagmire of debt that 3 out of 5 Americans experience can be directly attributed to a lack of financial common sense. Many students are not fully informed of the importance of financial responsibility. Increasingly, people do not spend within their means, relying instead on credit cards. And few save enough to cover emergencies, let alone retirement. The Personal Finance Workbook For Dummies helps individuals and families learn to spend, save, and invest wisely. This practical, hands-on guide walks readers through a private financial counseling session, using worksheets, checklists, and formulas to assess financial health, provide for one's day-to-day financial management, make smarter financial decisions, and invest for financial growth. Topics covered include goal-setting, determining financial net worth, budgeting, savings, college planning, affording a new home, investing for retirement, determining insurance needs, and more.