Personal Financial Literacy, 4th Edition © 2024

Teach students the principles for taking control of their financial future with Personal Financial Literacy, 4th edition, published by Pearson. Students will learn the essential financial management skills they need to succeed in college and careers.

  • Prepare for industry certification
  • Insight into a variety of careers
  • Teacher resources for effective instruction
  • New chapters on Basic Economic Principles and Entrepreneurship
  • New coverage of interview skills and the “gig” economy

Personal Financial Literacy Program with Digital Resources

Prepare students to manage their budgets, mind the economy, and handle their own finances.


College and Career Ready

Develop students’ understanding of broader economic trends and what actions they can take on their own to build financial security early in life and maintain it.


A Contemporary Picture

A new chapter covering Basic Economic Principles looks at the latest trends and data affecting supply, demand, scarcity, and inflation.


Career Options

The new Entrepreneurship chapter, along with coverage of gig employment, showcases the paths students can take in today’s job market.


Interpersonal Effectiveness

Students learn effective strategies for highlighting their experiences and working as a team in our new coverage of business communication and interview skills.

Personal Finance CTE Teaching Solutions

  • Personal Application
  • Conceptual Reinforcement

Personal Application

  • Math for Personal Finance
    Math for Personal Finance features throughout the text provide point-of-use support for math concepts and skills that students can use to make decisions in the future.
  • Career Moments
    Career Moments highlight interesting occupations that students may not have considered pursuing.
  • Life Application
    Life Application features give students a relatable suggestion on how they can apply the concepts they learn to their own lives.

Conceptual Reinforcement

  • Vocabulary
    Vocabulary terms are highlighted and repeated in the margins for easy review.
  • Checkpoint Questions
    Checkpoint questions throughout the chapter ensure that students are on track before moving on to the next topic.
  • Chapter Reviews
    Each chapter reviews concepts and vocabulary at the end as well as provides assessments to help gauge student understanding.
  • Group Projects
    Small-group or all-class projects help students practice what they have learned throughout the chapter.

Take a deeper look at the new 4th Edition of Personal Financial Literacy


Author Video

See what’s new and returning in the new edition from program co-author, Dr. Sherry J. Roberts.


Interactive eText Overview

Tour the engaging features of the Bookshelf by VitalSource® Student eText.

Interactive eText for your Personal Financial Literacy CTE Program

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The Bookshelf by VitalSource® eText platform features include search and navigation, bookmarking, note taking, creating personalized study tools and more. Students can access content anytime, anywhere, including 100% offline access.

Additional Personal Financial Literacy Resources

  • Downloadable Teacher Resources
  • Teacher’s Edition
  • Student Activity Workbook
  • Visual Aid Presentations
  • Test Bank with TestGen®

Downloadable Teacher Resources

Access the complete collection of Teacher Resources provided for Personal Financial Literacy.

Download Teacher Resources

Teacher’s Edition

The print Teacher’s Wraparound Edition includes the full student edition with teaching tips, discussion questions and differentiated lesson plans at point-of-use.


Student Activity Workbook

The print Student Activity Workbook offers practice exercises to help students learn and excel in personal finance. For each chapter of the text, the workbook includes the following sections:

  • Vocabulary Check
  • Check Your Knowledge
  • Math Check Up
  • Open Response
  • Activities

Teachers have access to the downloadable Student Activity Workbook Answer Key.


Visual Aid Presentations

Available in both PowerPoint® and Articulate Rise formats, provide teachers flexibility for both in-class and remote instruction.


Test Bank with TestGen®

The Test Bank includes multiple choice, fill-in-the-blank, and True/False questions for each chapter.

TestGen® helps you quickly create paper quizzes and tests that supplement the content in your textbook, without creating extra work for you.


Frequently Asked Questions About Personal Financial Literacy

  • What topics are included in the Table of Contents?
    Table of Contents
    • Overview of Personal Finance

    Unit 1 – Financial Responsibility & Decision-Making
    • The Financial Plan
    • Financial Decision-Making
    • Budgets and Balance Sheets
    • Careers and College Readiness

    Unit 2 – The Economy, Government, and Financial Planning
    • The Economy
    • Basic Economic Principles
    • The Economy and You
    • Entrepreneurship
    • Paying Taxes
    • Insuring Your Health and Your Life

    Unit 3 – Spending & Credit
    • Obtaining and Protecting Your Credit
    • Personal Loans and Purchasing Decisions
    • Credit Cards and Other Forms of Credit
    • Purchasing and Financing a Home

    Unit 4 – Saving & Investing
    • Banking Procedures and Services
    • Methods of Saving
    • Investing Fundamentals
    • Investing in Stocks
    • Investing in Bonds
    • Investing in Mutual Funds

    Unit 5 – Retirement & Estate Planning
    • The Time Value of Money
    • Asset Allocation, Diversification, and Investing
    • Retirement Planning
    • Estate Planning and Putting it All Together
  • What grade levels is this text appropriate for?
    Grades 9-12
  • What types of courses is this text best suited for?
    This program is designed for Introductory Personal Finance courses.
  • Does the course align to any industry certifications?

    Personal Financial Literacy meets the standards for the Personal Financial Literacy and General Financial Literacy certifications from YouScience™

  • What Student Resources are available?
    Available student resources include: The print Student Edition, Student Activity Workbook, and the Bookshelf by VitalSource® Student Edition eText.
  • What Teacher Resources are available?
    Available Teacher Resources include: Teacher’s Wraparound Edition, TestGen® Test Bank, Visual Aid PowerPoint® presentations, dynamic Rise presentations, and downloadable Student Activity Workbook Answer Key.
  • What are the digital license options?
    Digital access to the Student Edition on Bookshelf by VitalSource® can be purchased for 1 or 6 years.

PEARSON, MYLAB, REVEL, Pearson Logo are trademarks owned and/or registered by Pearson plc and/or its affiliates. All other third party marks associated with these products are the property of their respective owners. Copyright in the works referenced herein is owned by Pearson Education, Inc. Pearson Education has control over the editorial content in these instructional materials.

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