Introduce students to personal financial management today with the practical, reader-friendly approach in Garman/Forgue's market-leading PERSONAL FINANCE TAX UPDATE, 13E. This structured, step-by-step presentation emphasizes how to save and invest, manage student loans, file taxes, decrease credit card debt and plan for a promising financial future. Numerous updates reflect significant changes to the U.S. income tax system with the "Tax Cuts and Jobs Act" of 2018. Memorable scenarios lifted from actual situations depict a variety of financial challenges to demonstrate the relevance of concepts and the importance of advice from trusted personal finance experts. In addition, numerous math-based examples clearly illustrate how to achieve long-term financial goals through investing. With the latest financial information, proven learning features and MindTap digital resources, this edition focuses students' attention on the concepts that are most important for personal financial success now and throughout their lifetimes.