This is the 14th Edition of the widely-used textbook on personal finance by Billingsley, Gitman, and Joehnk. This specific copy is the loose-leaf, binder-ready version, offering a flexible and often more affordable alternative to a standard bound book. It is new and still sealed in the original publisher's shrink wrap, ensuring all pages are pristine and any included online access components are unused. An essential resource for undergraduate students studying finance, business, or economics.