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Personal Finance and Economic Decision-Making


Benjamin Blau
Utah State University
Todd Griffith
Utah State University
Ryan Whitby
Utah State University


Brad Gessell
Course Designer
Kaden Comadena
Course Designer


Jordan Gardner
Software Engineer
David Hanks
Software Engineer


Sarah Jensen
Content Editor
Holly Adams
Content Editor
Edition 1
(rev. 1690)

Regardless of your background and career goals, understanding how to manage your finances and make good financial decisions is a critical skill. This text explores personal finances through the lens of common economic decisions: we explore banking and the financial system, examine budgeting and how to plan for retirement, detail how the time value of money impacts investments, and discuss how financial risks can be hedged with insurance. We also examine the psychology behind some of our most common economic decisions and discuss strategies to avoid common pitfalls. While many students may have already made some of the decisions we discuss in this resource, like how to finance an education, what type of insurance to purchase, whether to lease or buy a car, and so on, Personal Finance and Economic Decision-Making provides students with important tools to understand how to apply this knowledge and make better financial decisions in the future.

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