What Personal Finance Is & Why It Matters

What Personal Finance Really Means

Personal finance is the process of managing your money so it supports the life you want—today and in the future. It includes how you earn, spend, save, invest, borrow, and protect your financial resources. At its core, personal finance is about making intentional decisions with your money instead of letting habits, impulses, or emergencies dictate your choices. Everyone manages personal finance, whether they realize it or not. What changes everything is learning to manage it well.