New and updated features of this title NEW: Financial lessons from the COVID-19 pandemic are woven throughout the text, with significant emphasis placed on the importance of emergency funds. EXPANDED: Extensive coverage of student loans, including student loan refunds and repaying student loans, is included. The text also helps students put together a plan for how they'll repay their loans after graduation and sets them on the path to achieving that goal (Ch. 7). UPDATED: Discussion about the importance of considering health insurance benefits when evaluating job offers, as well as the costs and benefits of high deductible health plans, is included (Ch. 9). UPDATED: New and heavily revised sections examine investments, including savings, stocks and the stock market, and more. UPDATED: Money & Love boxes examine people's attitudes about these topics, and offer personal finance advice aimed at helping students build better, stronger and lasting relationships.

UPDATED: Emphasis on the use of the internet and the importance of apps for smartphones, like Mvelopes, Quapital, Mint.com and Goodbudget, are introduced and highlighted when discussing budgeting and saving for student goals and record keeping.