VICKIE BAJTELSMIT is a Professor Emerita from the Department of Finance and Real Estate at Colorado State University, where she taught a wide variety of undergraduate and graduate classes, including personal finance, financial planning, risk management and insurance, real estate, employee benefits, and investments. She earned her Ph.D. from the University of Pennsylvania's Wharton School of Business and a J.D. from Rutgers University School of Law. In addition to her previous personal finance books, A Busy Woman's Guide to Financial Freedom (2001), Personal Finance: Skills for Life (2006), Personal Finance: Managing Your Money and Building Wealth (2008), and the two previous editions of Personal Finance (2016, 2020), she has authored numerous articles in academic and professional journals, focused on personal finance issues related to retirement, insurance, investments, and real estate. Previous professional accomplishments include service as the President of the American Risk and Insurance Association (2010), President of the Risk Theory Society (2010), and President of the Academy of Financial Services (2004) and service on the CFP-Board committee that developed the model curriculum for financial planning programs. Vickie is proud to have chaired the committee that revised the national curricular standards for K-12 personal finance education in 2021, co-sponsored by the Coalition for Economic Education and the Jump$tart Coalition for Personal Financial Literacy. She is an Associate Editor for several academic journals, and participates actively in several Society of Actuaries research groups.