The Student's Guide to Financial Literacy
by Robert E. Lawless
March 2010, 230pp, 7x10
1 volume, Greenwood

Hardcover: 978-0-313-37718-1
$103, £80, 90€, A142
eBook Available: 978-0-313-37719-8
Please contact your preferred eBook vendor for pricing.

Did you know that interest makes the typical credit card purchase cost 112 percent more than if cash had been used? Do you realize that the compounding of money is magnified over time, so that a $10,000 investment earning 7.5 percent per year for 30 years would grow to $87,550?! This book’s facts and tips will help you earn, spend, and save money far more wisely.

Presenting a broad array of financial knowledge, this interesting, easily understandable book will aid students and young adults in achieving their desired levels of wealth, success, and overall financial and personal fulfillment.

The recent global financial crisis was caused, at least in part, by the financial ignorance of many consumers. Many students and young adults in particular have never been taught the basics of financial planning. Yet, the earlier people move from financial illiteracy to literacy, the greater the benefits that will accumulate over time.

As The Student’s Guide to Financial Literacy makes clear, practices adopted in the early years of adulthood can have the most dramatic effect on a person’s ultimate quality of life, level of success, and age of retirement. This book is designed to convey financial wisdom in terms that are easy to understand with suggestions that are easy to apply. Readers will learn about the importance of budgeting and saving, the compounding of money, and how to create a diversified portfolio of investments. Included is advice on buying a first home, the characteristics of good debt versus bad debt, insurance and tax planning, even choosing the right career.


  • Includes dozens of factual "Guess What?" boxes revealing interesting insights and facts
  • Presents a list of the "Top Ten Mistakes to Avoid" summarizing the key teachings of the book
  • Includes photographs geared toward students that reflect the topics of each chapter
  • Offers a useful glossary that defines dozens of financial terms
Robert E. Lawless has passionately devoted his entire professional career to positions and roles within the financial services industry. He is currently the chief financial officer for an investment and advisory firm that manages over $500 million in assets and is the managing director of a registered broker/dealer that raises capital for various investment products. Lawless has an MBA from Vanderbilt University and holds many professional designations, including Certified Public Accountant (CPA), Chartered Financial Analyst (CFA), and Certified Treasury Professional (CTP). His published works include Praeger's How to Make Money in Any Real Estate Market and Retire Richer & Faster! You Can Manage Your Own Financial Independence!


"This title covers everything young adults just starting out in the world should be thinking about with respect to their future financial decisions. . . . The chapters on 'Tax Considerations' and 'Insurance' are must-reads. Excellent charts and graphs support the text, and 'Guess What?' and 'Beware!' boxes offer fascinating related facts and cautions against such things as risky mortgage loans. Though this volume is entitled 'The Student’s Guide,' it is most helpful today just for understanding news headlines."—School Library Journal, July 1, 2010
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