Introduction

Personal Finance is financial management demonstrated by individuals and households to meet their short-, mid-, and long-term financial goals. It gives you the opportunity to take ownership of your money in order to be free of financial stress—it allows you to have the financial freedom to do the things you want to do, when you want to do them. To be successful at personal finance, managing your finances must be ongoing, flexible, and proactive.

You took this course for a reason: maybe you’ve seen family members have poor personal finance skills, or perhaps you want to duplicate the example that your parents set for you. You might have had to fill a high school credit requirement. Or, maybe your parents or key adults are making you take this course. Regardless of why you’re here, I promise it will be helpful to you now and in the future. By the time you’re done with this course and you’ve done the work, you will be more versed in personal finance than 43% of the adult population in the United States. The skills you will learn in this course will help you set yourself up for financial success, which is what we all want! (Annuity, 2023).