Billingsley/Gitman/Joehnk's market-leading PERSONAL FINANCIAL PLANNING, 16th Edition, provides the tools, techniques and understanding you need to define and achieve your financial goals. Numerous examples and practical illustrations reinforce a common-sense approach. Interesting features and insightful financial planning tips work with current updates to keep content both timely and relevant. New content guides you in using today's financial tools and technology as you learn how to improve your spending habits, ask a financial adviser the right questions, budget effectively, choose the right bank, determine whether to buy or lease a car, select the best credit card, recognize what's most important in buying a home, invest wisely and plan for retirement. In addition, MindTap online learning system is available to assist in completing homework and mastering key skills.