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Garman and Forgue continue to focus on the immediate relevance of the material—helping students learn how to manage their educational loans, use the Web to calculate a mortgage, invest in retirement funds, and find reliable online sources about mutual funds. The authors' clear, concise, and informal writing style enables students to easily follow and adapt effective decision-making strategies from the text. Using vocabulary and math appropriate for non-business majors, this edition provides a comprehensive examination of budgets, credit, income, investment, and retirement. The Seventh Edition comes with a free copy of Young Money magazine plus a free 1-year subscription offer. This new journal is tailored to college students and features high-interest articles on how to earn, invest, and manage money.