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Chances are good that your thousands of hours in the classroom didn't give you what you really need to know; how to manage your money in the REAL world. "Personal Financial Management: The Financial Toolkit They Never Gave You in School" gives you the knowledge you need to make real world financial decisions-informed decisions based on information that empowers you to know your options, the best one for you, and why. After reading "Personal Financial Management: The Financial Toolkit They Never Gave You in School," you will know: - Why to have a budget and how to create it - How to bring home as much of your paycheck as possible - Why to have a banking relationship and how to establish it - How to select the insurance coverages that meet your needs when they are required - How to plan for retirement with minimum pain - How to make credit your best friend instead of your worst enemy - Much, much more Based on the author's years of experience teaching financial literacy classes and the most frequently asked questions, this book is a must read (whether you are age sixteen or sixty-six) if you want to get the most value out of every dollar.