Introduction to Personal Finance

Recipient of the 2026 Textbook & Academic Authors Association (TAA) Most Promising New Textbook AwardThis award recognizes excellence in first editions with strong potential for longevity. Introduction to Personal Finance invites students to reflect on their values and behaviors with money and to set goals to reach financial freedom. Author Kristen Carioti provides clear, step-by-step guidance on the essential building blocks, from setting up an emergency fund, to navigating student loans and investing for retirement. Students are encouraged to evaluate their personal relationship with money and mindfully assess their behavior so they can set and reach achievable financial goals.This text is offered in Sage Vantage, an intuitive learning platform that integrates quality Sage textbook content with assignable multimedia activities and auto-graded assessments to drive student engagement and ensure accountability. Unparalleled in its ease of use and built for dynamic teaching and learning, Vantage offers customizable LMS integration and best-in-class support.Instructors, see how Vantage works! Take a brief self-guided tour with our interactive demo