1. HOW YOUR CHOICES AFFECT INCOME. 1-1. Personal Skills and the Job Market. 1-2. The Economy and Your Education. 1-3. Job application Skills and Tools.

2. INCOME, BENEFITS, and TAXES. 2-1. Earned Income and Benefits. 2-2. Unearned Income and Payments. 2-3. Taxes and Other Deductions.

3. YOUR PURCHASING POWER. 3-1. Inflation and the Value of Money. 3-2. Prices and Consumer Choices. 3-3. Getting More for Your Money.

4. FINANCIAL DECISIONS AND PLANNING. 4-1. Resources and Choices. 4-2. Basics of Budgeting. 4-3. Personal Financial Planning.

5. THE BANKING SYSTEM. 5-1. Checking Accounts. 5-2. Savings accounts. 5-3. Banking Services and Fees.

6. PERSONAL RISK MANAGEMENT. 6-1. Risk Management and Strategies. 6-2. Protecting Income. 6-3. Protecting Property.

7. BUYING DECISIONS. 7-1. Buying Plans. 7-2. Sources and Benefits of Credit. 7-3. Costs of Credit.

8. PAYING FOR CREDIT. 8-1. Payment Methods. 8-2. Consumer Loans. 8-3. Credit Tips.

9. CREDIT PROBLEMS AND LAWS. 9-1. Resolving Credit Problems. 9-2. Bankruptcy. 9-3. Consumer Protection and Laws.

10. UNDERSTANDING SAVING AND INVESTING. 10-1. Reasons for Saving and Investing. 10-2. Saving and Investing Principles. 10-3. Saving and Investing Strategies.

11. SAVINGS AND INVESTING OPTIONS. 11-1. Low-Risk Investment Options. 11-2. Medium-Risk Investment Options. 11-3. High-Risk Investment Options.

12. BUYING AND SELLING INVESTMENTS. 12-1. Researching Investments. 12-2. Buying and Selling Securities. 12-3. Regulatory Agencies.

Glossary. Index.