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Cover of the 14th edition of "Personal Financial Planning" by Billingsley, Gitman, and Joehnk, illustrating key financial concepts with icons connected to a smartphone.

Cover of "Personal Financial Planning" 14th edition by Billingsley, Gitman, and Joehnk, featuring a smartphone with a graph, connected to icons representing money, car, house, gold bars, piggy bank, shopping basket, certificate, umbrella, and safe.

Cover of "Personal Financial Planning" 14th edition by Billingsley, Gitman, and Joehnk, featuring a smartphone with a graph, connected to icons representing money, car, house, gold bars, piggy bank, shopping basket, certificate, umbrella, and safe.

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