Personal Finance


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Personal Finance, Is a  textbook written by Rachel S. Siegel

About  The Book

Personal Finance by Rachel Siegel and Carol Yacht is a comprehensive Personal Finance text which includes a wide range of pedagogical aids to keep students engaged and instructors on track.

This book is arranged by learning objectives. The headings, summaries, reviews, and problems all link together via the learning objectives. This helps instructors to teach what they want, and to assign the problems that correspond to the learning objectives covered in class.

Personal Finance includes personal finance planning problems with links to solutions, and personal application exercises, with links to their associated worksheet(s) or spreadsheet(s). In addition, the text boasts a large number of links to videos, podcasts, experts’ tips or blogs, and magazine articles to illustrate the practical applications for concepts covered in the text.

Rachel would love to hear from you. If you have questions about teaching with her book, comments about teaching Personal Finance, or just feedback, feel free to email her at [email protected]

This textbook has been used in classes at: Miami University.

About the Contributors


Rachel S. Siegel, chartered financial analyst (CFA), has been a professor of finance, economics, and accounting at Lyndon State College since 1990. She has also taught as an adjunct faculty member at Trinity College (Vermont), Granite State College (New Hampshire), Springfield College (Massachusetts), the University of Vermont, and in Tel Aviv, Israel, for Champlain College.

Siegel is a member of the Vermont CFA Society, the CFA Institute, and the Board of Scholars of the Ethan Allen Institute, as well as a voting member of the National Academy of Recording Arts and Sciences. She has served as a consultant on investment strategy to the Vermont Land Trust and to other private clients. Siegel’s column “Follow the Money” has been a regular feature of the Northstar Monthly since 2001. Originally from Providence, Rhode Island, Siegel earned a BA in English literature (1980) and an MBA (1989) from Yale University. She lives in Barnet, Vermont.

Carol Yacht is a business educator and textbook author. Yacht’s best-selling textbook, Computer Accounting with Peachtree (McGraw-Hill/Irwin), is in its fourteenth edition. She has also written textbooks for QuickBooks, Microsoft Dynamics GP, Microsoft Office Accounting, Excel, and Carol Yacht’s General Ledger. Yacht’s writing career started in the classroom. To help her students learn new business and technology concepts, Yacht created instructional material. Her first book was published in 1979. Yacht is committed to teaching, learning, sharing, and writing. She is a frequent presenter at conferences.

Yacht teaches Accounting Information Systems at the University of South Florida Sarasota-Manatee, College of Business, Executive and Professional Education Center. She has also taught on the faculties of California State University–Los Angeles, West Los Angeles College, Yavapai College, and Beverly Hills High School. She is also the Accounting Section Editor for the Business Education Forum, a publication of the National Business Education Association; serves on the AAA Commons Editorial Board; and is a member of the Microsoft Dynamics Academic Advisory Council.

In 2005, Yacht received the Lifetime Achievement Award from the American Accounting Association Two-Year College Section. She is also a recipient of the Business Education Leadership Award from the State of California. Yacht received her MA from California State University–Los Angeles, BS from the University of New Mexico, and AS from Temple Univer

  • Chapter 1: Personal Financial Planning
  • Chapter 2: Basic Ideas of Finance
  • Chapter 3: Financial Statements
  • Chapter 4: Evaluating Choices: Time, Risk, and Value
  • Chapter 5: Financial Plans: Budgets
  • Chapter 6: Taxes and Tax Planning
  • Chapter 7: Financial Management
  • Chapter 8: Consumer Strategies
  • Chapter 9: Buying a Home
  • Chapter 10: Personal Risk Management: Insurance
  • Chapter 11: Personal Risk Management: Retirement and Estate Planning
  • Chapter 12: Investing
  • Chapter 13: Behavioral Finance and Market Behavior
  • Chapter 14: The Practice of Investment
  • Chapter 15: Owning Stocks
  • Chapter 16: Owning Bonds
  • Chapter 17: Investing in Mutual Funds, Commodities, Real Estate, and Collectibles
  • Chapter 18: Career Planning



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Additional information


Rachel Siegel, Lyndon State University

Carol Yacht, University of South Florida Sarasota-Manatee


Saylor Foundation






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