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Personal Finance For Dummies, 8th Edition


Learn to:

  • Evaluate and manage your financial fitness
  • Save more and spend less
  • Assess your credit report and improve your score
  • Make smart investments in any economic environment

Understand personal finance and put your money to work!

Is your money working to increase your wealth? Renowned personal finance expert Eric Tyson combines his time-tested financial advice with updated strategies to help you protect your financial future. You'll get action-oriented guidance for getting out of debt, investing wisely, surviving unexpected financial twists and turns, and more.

  • Assess your finances — measure your financial health, manage where your money goes, and establish and achieve financial goals
  • Tighten those purse strings — discover proven strategies for dealing with debt, reducing your spending, and trimming your taxes
  • Invest for the future — understand your options and start investing in retirement accounts, funds, taxable accounts, and more
  • Safeguard your assets — get the best insurance coverage at the best price—including life, disability, and health
  • Don't go it alone — get help using technology to manage your money, culling information from financial media outlets, and working with financial planners

Open the book and find:

  • Tax laws that affect personal finance and investing decisions
  • Advice on saving for educational expenses and navigating the financial aid system
  • Tips for designing your own investment plan, complete with example portfolios
  • Pointers for investing in your home and other real estate
  • An explanation of government-mandated health insurance
  • An inventory of additional personal finance resources

Eric Tyson ( is an internationally acclaimed and best-selling personal finance book author, syndicated columnist, and speaker. He is also the author of Investing For Dummies and coauthor of Home Buying Kit For Dummies, both national bestsellers.

Introduction 1

Part I: Getting Started with Personal Finance 5

Chapter 1: Improving Your Financial Literacy 7

Chapter 2: Measuring Your Financial Health 19

Chapter 3: Managing Where Your Money Goes 39

Chapter 4: Establishing and Achieving Goals 51

Part II: Spending Less, Saving More 71

Chapter 5: Dealing with Debt 73

Chapter 6: Reducing Your Spending 91

Chapter 7: Trimming Your Taxes 119

Part III: Building Wealth through Investing 143

Chapter 8: Considering Important Investment Concepts 145

Chapter 9: Understanding Your Investment Choices 173

Chapter 10: Investing in Funds 193

Chapter 11: Investing in Retirement Accounts 211

Chapter 12: Investing in Taxable Accounts 233

Chapter 13: Investing for Educational Expenses 247

Chapter 14: Investing in Real Estate: Your Home and Beyond 259

Part IV: Insurance: Protecting What You Have 299

Chapter 15: Insurance: Getting What You Need at the Best Price 301

Chapter 16: Insurance on You: Life, Disability, and Health 319

Chapter 17: Covering Your Assets 347

Part V: Where to Go for More Help 361

Chapter 18: Working with Financial Planners 363

Chapter 19: Using Technology to Manage Your Money 381

Chapter 20: On Air and in Print 393

Part VI: The Part of Tens 399

Chapter 21: Survival Guide for Ten Life Changes 401

Chapter 22: Ten Tactics to Thwart Identity Theft and Fraud 415

Glossary 421

Index 437