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.”