Personal Financial Literacy,
3rd Edition

Joan Ryan, Christie Ryan

ISBN-13: 9781305653078 | ISBN-10: 1305653076

Copyright 2017

| Published 2016

| 464 pages

List Price USD $116.95


PERSONAL FINANCIAL LITERACY, Third Edition, covers the most current and relevant financial topics that impact today’s students, including budgeting, identity theft, saving, investing, risk management, and careful use of credit. This text teaches students how to plan and manage their personal finances; how to live a financially successful life; and what their financial responsibilities are as citizens. It is aligned with the Jump$tart Coalition's National Standards for Personal Financial Literacy. The personal focus of this course makes it relevant and meaningful to those just starting down the path to personal financial independence.

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Meet the Authors

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Joan Ryan has taught personal finance for more than 20 years. While teaching at Willamette High School in Eugene, Oregon, she developed the original personal finance course materials for publication. Dr. Ryan currently is a faculty member in the business department at Clackamas Community College, Portland, OR. She also teaches accounting at Portland State University and is a Certified Managerial Accountant.

Christie Ryan, B.A., M.A., LMHC. As a licensed mental health counselor, she works with troubled and disadvantaged youth and their families, teaching budgeting and money management skills. She has also taught student success skills and psychology courses at Highline Community College and Tacoma Community College. She holds an Educational Staff Associate certificate in school counseling and has also worked as a case manager for Southwest Washington Aging and Disability Services.

  • DO THIS, NOT THAT feature is a checklist of things to do or not do, around a topic related to the chapter content.
  • DO THE MATH feature strengthens students’ math skills with problems tied to the chapter content.
  • LOOKING AHEAD feature highlights scenarios that students may encounter in the years ahead, and engages them with critical-thinking questions.
  • An ESSENTIAL QUESTION in each lesson opener frames the main idea that students will explore in the lesson. An answer appears on the lesson Assessment page.
  • Content is now divided into 4 units, ending with a UNIT PROJECT that provides enhanced learning opportunities. Worksheets are provided in the Student Workbook or in MindTap.
  • BUILDING COMMUNICATION SKILLS focuses on fundamental communication skills such as listening, reading, speaking, and writing. One or more Try It Out activities give students a chance to apply what they have learned.
  • TAKE ACTION provides an opportunity to synthesize the chapter concepts by participating in an ongoing, integrated project throughout the text.
  • EXPLORING CAREERS IN… showcases careers identified in the 16 Career Clusters.
  • SUCCESS SKILLS provides information to lead students toward success in school, work, and personal activities, along with a Try It Out application activity.

Table of Contents

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1. How Your Choices Affect Income.
2. Income, Benefits, and Taxes.
3. Your Purchasing Power.
4. Financial Decisions and Planning.
5. The Banking System.
6. Personal Risk Management.
7. Buying Decisions.
8. Preserving Your Credit.
9. Credit Problems and Laws.
10. Basics of Saving and Investing.
11. Saving and Investing Options.
12. Buying and Selling Investments.

Cengage provides a range of supplements that are updated in coordination with the main title selection. For more information about these supplements, contact your Learning Consultant.

Annotated Instructor's Edition: Financial Literacy, 3rd

Annotated Instructor's Edition for Ryan's Personal Financial Literacy, 3rd

Student Workbook: Personal Financial Literacy, 3rd

When students need to review chapter material, the supplemental Workbook provides a pen-and-paper method. Using objective questions and activities, students can prepare for classroom instruction or review for quizzes and tests. The Workbook also includes worksheets for the Unit Projects.

Web Site for Ryan's Personal Financial Literacy, 3rd

The companion site accompanying PERSONAL FINANCIAL LITERACY 3E features lesson plans, flashcards, PowerPoint slides, and solutions to the student Workbook activities.

Cengage Testing, powered by Cognero® for Ryan's Personal Financial Literacy


Cengage Testing, powered by Cognero® for Ryan’s Personal Financial Literacy, Instant Access

Cengage Learning Testing Powered by Cognero® is a flexible, online system that allows you to import, edit, and manipulate content from the text's test bank or elsewhere, including your own favorite test questions; create multiple test versions in an instant; and deliver tests from your LMS, your classroom, or wherever you want.

Instructor's Resource CD-ROM for Ryan's Personal Financial Literacy, 3rd

Includes the Student Workbook Instructor's Edition, PowerPoint slides, and lesson plans. Designed to help facilitate classroom instruction, this CD has instructor files unique to the textbook. A variety of ancillaries are included to provide online resources, web-based solutions, and application files.

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Personal Financial Literacy

  • ISBN-10: 1305653076
  • ISBN-13: 9781305653078

Price USD$ 116.95


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