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Cover of Personal Finance v3.0
December 2018
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ISBN (Digital): 

Personal Finance

Version 3.0
By Rachel S. Siegel

Key Features

  • Includes clear learning objectives, key takeaways, and exercise problems in each section.
  • Includes personal finance planning problems, solutions, and exercises.
  • Includes links to videos, blogs, and other external applications.
  • Customizable.


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Online Access Price:  $32.95 Color Printed Textbook with Online Access Price:  $57.95
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This textbook is suitable for the following courses: Personal Finance

Personal Finance was written with two simple goals in mind: to help students develop a strong sense of financial literacy and to provide a wide range of pedagogical aids to keep them engaged and on track. This book is a practical introduction that covers all of the fundamentals and introduces conceptual frameworks in a way that students can grasp and use in their personal lives.

New in This Version

  • Updated to reflect changes in tax code.
  • Updated figures, statistics, references, and links.
  • Refreshed photos and artwork.
  • Expanded explanation of math steps and calculations.
  • More in-depth discussion of exchange traded funds (ETFs).
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FlatWorld Homework

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Instructor’s Manual

Instructor’s Manual

The Instructor’s Manual guides you through the main concepts of each chapter and important elements such as learning objectives, key terms, and key takeaways. Can include answers to chapter exercises, group activity suggestions, and discussion questions.

Instructor’s Manual

PowerPoint Lecture Notes

PowerPoint Lecture Notes

A PowerPoint presentation highlighting key learning objectives and the main concepts for each chapter are available for you to use in your classroom. You can either cut and paste sections or use the presentation as a whole.

PowerPoint Lecture Notes

Test Generator - powered by Cognero

Test Generator - powered by Cognero

FlatWorld has partnered with Cognero, a leading online assessment system, that allows you to create printable tests from FlatWorld provided content.

Test Bank Files for Import to Learning Management Systems

Test Bank Files for Import to Learning Management Systems

For your convenience, we've packaged our test items for easy import into Learning Management Systems like Blackboard, Brightspace/D2L, Canvas, Moodle, or Respondus.

Test Item File

Test Item File

Need assistance in supplementing your quizzes and tests? Our test-item files (in Word format) contain many multiple-choice, fill-in-the-blank, and short-answer questions.

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Rachel S. Siegel Northern Vermont University

Rachel S. Siegel (MBA Yale University, CFA) was a professor of finance, economics, and accounting at Vermont State University from 1990–2016. She has also taught as an adjunct faculty member at Trinity College (Vermont), Granite State College (New Hampshire), Springfield College (Massachusetts), the University of Vermont, and in Tel Aviv, Israel, for Champlain College. Rachel has been a consultant to the CFA Institute on exam development, data forensics, and curricula, and has consulted on various exam prep courses in finance. She has also developed a freelance career as a financial editor and writer, for both investment firms and academics. Her column “Follow the Money” has been a regular feature of the Northstar Monthly since 2001. Originally from Providence, Rhode Island, Rachel now lives in Barnet, Vermont.

Additions & Errata

9/25/23: Incorrect table values updated in tables 4.9–4.13.

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