Personal Financial Planning(15th Edition)

Authors:

Randy Billingsley, Lawrence J. Gitman, Michael D. Joehnk

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Book details

ISBN: 978-0357438480, 0357438485

Book publisher: Cengage Learning

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Book Price $66.5 : The 15th edition of 'Personal Financial Planning' by Randy Billingsley, Lawrence J. Gitman, and Michael D. Joehnk is a comprehensive resource that delves into effective strategies for managing personal finances. This book provides an in-depth exploration of key financial planning concepts, including budgeting, investment strategy, risk management, and retirement planning. It emphasizes practical methodologies for financial assessment and the implementation of personalized financial strategies. The authors present real-world applications and case studies to illustrate common financial challenges and their solutions, alongside a helpful solution manual to clarify complex calculations. The table of content efficiently organizes topics such as tax laws, insurance needs, and estate planning, making it a go-to reference for readers aiming for financial literacy and independence. Solutions to sample questions and exercises, presented in the Answer Key, facilitate the learning process, allowing readers to cross-check their understanding against expert solutions. This edition is particularly praised for its accessibility and relevance, making it ideal for both novice learners and experienced financial planners. It stands out for its clear articulation of financial concepts and practical advice, solidifying its position as a staple in financial education. Cheap access to quality content makes this an excellent resource for learners on a budget.

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Customer Reviews

Trusted feedback from verified buyers

Vincent Pratt

4.0

Reviewed In Florida

• January 10, 2026

So i got this free book for my Scarborough University class and it’s been a pretty smooth deal—the print quality isn’t flimsy at all and it feels like a legit textbook, not some paperback boilerplate. haven’t gone super deep yet but the bits i glanced at make stuff feel way less intimidating or confusing, which helps since my course is kinda dense. the book’s layout is neat so it’s easy enough to follow along. shipping was quick too, which was cool. might not cover the latest finance apps or anything but it’s good enough for what i need. starts off nice and simple, which is exactly what i wanted.

Eliza Chapman

4.0

Reviewed In California

• September 8, 2025

After a friend recommended this book when I was kinda struggling with managing my monthly budget, I went ahead and grabbed a free copy. I mostly jumped to Chapter 5 about personal budgeting, because honestly, that part was close to impossible for me before. The chapter breaks down different budgeting methods in ways I didn’t expect — like it wasn’t just numbers and lists but actually showed how messing up one spot affects the whole plan. There’s a bit where they explain the '50/30/20' rule with a neat diagram, and that just clicked instantly for me. Got me thinking about how I should fit work expenses with fun stuff and savings, so not everything feels overwhelming. The paper feels pretty good, easy to flip through, the layout keeps things simple and I didn’t get lost. Only small hiccup — some examples still feel a little old-fashioned in terms of apps you can use and stuff, hopefully next update adds more modern tools. Still, it's way easier to follow than other finance textbooks I’ve seen around. If you’re a student or anyone fumbling with money plans, this is worth checking out, might even lighten your stress a bit. Pretty glad I found this honestly.

Malcolm Turner

4.0

Reviewed In North Carolina

• September 6, 2025

Needed this for my Wingate University class and not gonna lie, got it for free so that was pretty sweet. The book showed up faster than I thought and the cover looks super clean like new. Haven’t dug into all the chapters yet since school keeps me busy, but what I skimmed feels good—pages aren’t flimsy or anything and it’s easy to handle. Definitely the kind of book that feels like it’s designed to make learning personal finance less of a drag. I’m stoked to use it in lectures and homework. Quick heads up though, it’s kinda paperback thick but way better than some sketchy copies I’ve seen.

Ethan Crawford

5.0

Reviewed In Maryland

• September 20, 2024

Grabbed this free from SolutionInn a couple weeks ago for my Lebanon Valley University class and honestly it’s been pretty solid so far. the book breaks down money stuff in a way that doesn’t make me wanna snooze, at least for the parts I’ve been looking at. SolutionInn beat Abebooks easily cuz my copy showed up faster and way neater than what my friends got elsewhere. some examples feel a little old in terms of tech tools, but it’s easy to get what they’re talking about and I’m picking up ideas that’ll help me manage my money better. definite thumbs up!

Brielle Hammond

5.0

Reviewed In North Carolina

• October 16, 2023

Got this for my Rocky Mount University class and the book came way faster than I expected, which was pretty cool. Didn’t pay since it was free but still the quality feels really decent, pages aren’t flimsy or anything like some textbooks I’ve used. Haven’t gotten to read more than a couple chapters cause school’s nuts right now, but for what I glanced at—easy to handle and looks like it’ll help out with classwork. Nothing fancy but gets the job done, so far pretty happy with it.

Stella Spencer

5.0

Reviewed In United States

• September 12, 2023

I can't praise 'Personal Financial Planning, 15th Edition' enough. This book is a treasure trove of knowledge! The authors really did a superb job of laying out complex financial concepts in an accessible manner. The examples are extremely relevant and helped me apply what I learned in real-life scenarios. I bought this as part of a promotion and got a nice discount with my membership. Delivery was prompt, and the book arrived in perfect condition. It's a must-have for anyone serious about personal finance.

Adam Hammond

4.0

Reviewed In United States

• August 19, 2023

Arrived quickly and is a good resource for financial novices.

Amelia Simmons

4.0

Reviewed In United States

• July 23, 2023

This edition provides a thorough overview of personal financial planning strategies. Each chapter is packed with useful info that balances theory and practice quite well. However, it could benefit from updated content on digital financial tools. The delivery was timely, and got a bit of discount using my subscription service. Overall, it's a valuable resource for anyone trying to plan their financial future, even if a little more modernization could improve it.

Personal Financial Planning(15th Edition)

Authors:

Randy Billingsley, Lawrence J. Gitman, Michael D. Joehnk

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Solution Manual Includes

Book details

ISBN: 978-0357438480, 0357438485

Book publisher: Cengage Learning

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