Fundamentals Of Financial Planning 7th Edition Pdf May 2026

That night, she called her uncle, a retired financial planner. He didn’t lecture. He just said, “Tomorrow, 8 a.m. Bring six empty jars.” The next morning, Maya sat across from him in his sunlit study. On the table: six mason jars, a stack of pay stubs, and a worn copy of a textbook she’d seen on his shelf for years — Fundamentals of Financial Planning .

Maya felt a chill. Time is the only thing you can’t buy back. Fundamentals Of Financial Planning 7th Edition Pdf

Maya stared at the blinking red light on her credit card reader. Declined. That night, she called her uncle, a retired

They listed her income ($3,200/month after tax) and every expense. The numbers didn’t lie: she was spending $450 a month on dining out and $600 on “miscellaneous” — a category her uncle called “the black hole of finance.” Bring six empty jars

He handed her a folder. “Inside: quotes for renter’s insurance, term life ($500k), and disability insurance. You’re your biggest asset. Protect your income before you protect your portfolio.”

He slid the Emergency Fund jar toward her. “Before you invest a single dollar, fill this with 3–6 months of expenses. That’s your shock absorber. No jar gets touched until this one is heavy.”

They listed her debts: $8,000 credit card (22% interest), $15,000 student loan (5%). “Pay minimums on the student loan. Throw everything at the credit card. That’s the avalanche method — highest interest first.”