This book is essential reading for college students, faculty, parents of college students, and mid-career professionals. We are all faced with important career decisions throughout our lives, such as where to go to college or graduate school, what field to study, or what career to pursue. We also face important personal decisions, such how to save and spend, how to prepare for retirement, and whose advice to take or reject. This book provides a powerful set of personal finance concepts that will help the reader analyze their choices before the fact and help them make the best decisions possible. They are based on the principles of finance—that is, how we make decisions to achieve the best possible outcomes in the face of uncertainty.