Your Course

SUNY Empire State College

FSMA-3122-01 Personal Financial Planning with Joseph Lawless

Start Date: September 2025

Published: September 2023
ISBN: 978-1-4533-4193-3

Personal Finance

Version 4.0

By Rachel S. Siegel

Recommended!

FlatWorld eReader: Mobile-friendly, searchable online textbook
- Included online Homework system — at no additional cost. Complete assignments and tests on any device if assigned by your instructor.
- Integrated quizzes and flashcards connected to each online textbook to help you study.
SmartHelper: AI-powered study tool within our eReader and Homework System provides in-context references. Responses are curated only within your textbook.

Basic Access: $33.95

Access until: January 2, 2027 (one year)

FlatWorld eReader: Mobile-friendly, searchable online textbook
- Included online Homework system — at no additional cost. Complete assignments and tests on any device if assigned by your instructor.
- Integrated quizzes and flashcards connected to each online textbook to help you study.
Downloadable, copy-protected PDF for reading offline on multiple devices—file is yours to keep. Downloaded files are protected by digital rights management and must be accessed using Adobe Digital Editions.
SmartHelper: AI-powered study tool within our eReader and Homework System provides in-context references. Responses are curated only within your textbook.
Audiobook: Listen to the audio version of your textbook.
- Generated for multiple languages
- To request additional languages, please have your professor reach out to customer support.
Podcasts: Bring your textbook to life through engaging, two-person conversations that explore key concepts, examples, and case studies.

Standard Access: $53.95

Access until: January 2, 2027 (one year)

High-quality, full color, printed textbook shipped to your door.
FlatWorld eReader: Mobile-friendly, searchable online textbook
- Included online Homework system — at no additional cost. Complete assignments and tests on any device if assigned by your instructor.
- Integrated quizzes and flashcards connected to each online textbook to help you study.
SmartHelper: AI-powered study tool within our eReader and Homework System provides in-context references. Responses are curated only within your textbook.

Print + Basic Access: $60.95

Access until: January 2, 2027 (one year)

High-quality, full color, printed textbook shipped to your door.
FlatWorld eReader: Mobile-friendly, searchable online textbook
- Included online Homework system — at no additional cost. Complete assignments and tests on any device if assigned by your instructor.
- Integrated quizzes and flashcards connected to each online textbook to help you study.
Downloadable, copy-protected PDF for reading offline on multiple devices—file is yours to keep. Downloaded files are protected by digital rights management and must be accessed using Adobe Digital Editions.
SmartHelper: AI-powered study tool within our eReader and Homework System provides in-context references. Responses are curated only within your textbook.
Audiobook: Listen to the audio version of your textbook.
- Generated for multiple languages
- To request additional languages, please have your professor reach out to customer support.
Podcasts: Bring your textbook to life through engaging, two-person conversations that explore key concepts, examples, and case studies.

Print + Standard Access: $80.95

Access until: January 2, 2027 (one year)

Already purchased a pass or code from your college bookstore? Select REDEEM to begin.