There are no personal financial planning textbooks targeted at low-income community college students. I have often found it frustrating that so many of my students make significant uniformed and poor financial decisions before they graduate that tend to lock them into a path far below their true potential. So, when the country went on lockdown to combat COVID-19, I began writing this book to address those issues. Along the way, I chose to turn down invitations to have this book published. I did so because I feel that if there is going to be a personal financial planning textbook directed at low-income college students, it should also be accessible to those students. And you don’t get any more accessible than FREE. Let’s be clear, the electronic version is free.