• Dec 5, 2025 Personal Financial Planning Not Textbook Access Code Only By Lawrence J Gitman Michael D Joehnk And Randy Billingsley 13th Edition ty to transform the often-overwhelming world of personal finance into a manageable, achievable, and ultimately, empowering endeavor. We offer a heartfelt recommendation that celebrates the enduring power of this book to inspire, guide, and equip reader By Liliane Labadie