Transactions, balances, and your budget are together in one place. User Review - Flag as inappropriate. With money coming in and going out, with due dates and finance charges and fees attached to invoices and bills and with the overall responsibility of making the right decisions about major purchases and investments consistently â itâs daunting. Disclaimer : This is not an exhaustive guide to personal finance. 12-Step Guide to Financial Success Step 1: Be accountable and responsible The first step on the path to financial success is accepting responsibility. However, like most leaders in government, you may have limited experience with public finance nuances and issues. Personal Finance Smart strategies for banking, budgeting, loans and credit, renting or buying, retirement, insurance, taxes, and more. If youâre looking for a way to introduce financial concepts to a young adult, this book will do the trick ⦠. 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Four Great Personal Finance Books for Recent Graduates The Money Book for the Young, Fabulous, and Broke by Suze Orman Debt is Slavery by Michael Mihalik Brazen Careerist by Penelope Trunk The Random Walk Guide to Investing by Burton Malkiel The 60% Solution (Richard Jenkins, MSN Money) You need a broad understanding of personal finance to include all areas of your financial life: spending, taxes, saving and investing, insurance, and planning for major goals like education, buying a home, and retirement. Read A Practical Guide To Personal Finance online, read in mobile device or Kindle. Of course, banks make it their goal to do exactly the opposite. Think about it this way: With rental properties, you have all the headaches of maintaining a property, including finding and dealing with tenants, ⦠"An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." We are not professional financial advisors. 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