This text is written directly to the student. It introduces the student to the concepts, tools, and applications of personal finance and investments. In order to leave a lasting impression, this book concentrates on the fundamentals and underlying principles of personal finance, rather than focusing on equations and specific tools, which are more easily forgotten. Building on the 15 Axioms of Personal Finance, the text helps the students develop an intuitive understanding not only of the process of financial planning, but also the logic that drives it.