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This book presents financial literacy in a real-world context. Therefore, I admit that some of the information is biased, based on my own experience. My experience includes thirty years as an executive in business, of which fifteenwere spent running my own company in commercial real estate development. I bring that on-the-job, real-world bias to the information presented in this book. I have also distilled many years of experience in teaching economics and financial literacy into the opinions I express. For example, I have found that college students want to know the best way to finance the purchase of a house or automobile and not just a discussion of the various types of mortgages you can use to buy a house.

This textbook is primarily written for a course in financial literacy for college undergraduates. However, they do not have to be business or economics majors. In my most recent class, using this book, there were Art History majors and Engineering majors who were quite comfortable with this textbook. The only math prerequisite is an understanding of high school algebra and ability to read graphs. Any formulae in the book are not complicated beyond elementary algebra. 

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