The world of investing and personal finance can be a very intimidating place. It has a daunting number of components and can seem excessively complex. Because of this, in today's difficult and unpredictable economy Americans of all ages are struggling. But perhaps no demographic currently struggles more with their money than do young adults, many of whom are enormously unprepared to manage their personal finances when they join the workforce. A Pathway to Financial Independence for Young Adults is a great resource designed to help you make sense of your finances. Each chapter is filled with useful advice, clever graphics, and easy-to-understand examples. Unlike traditional financial guides, which can be extremely complicated and tedious to read, this book explains personal finance using clear, practical language with an emphasis on truly understanding how to manage your money. So if you are a young adult and beginning to really think about your finances, this book can help you. If you have credit card debt and want to know how to get out of it, this book can help you. If you do not have much experience with investment or retirement accounts, this book can help you. And most importantly, if you want a logical yet effective text to assist you in planning your financial future in a step-by-step progression, this book can help you. A Pathway to Financial Independence for Young Adults is a must-read for anyone interested in understanding how to climb the pathway toward money mastery.

The world of investing and personal finance can be a very intimidating place. It has a daunting number of components and can seem excessively complex. Because of this, in today's difficult and unpredictable economy Americans of all ages are struggling. But perhaps no demographic currently struggles more with their money than do young adults, many of whom are enormously unprepared to manage their personal finances when they join the workforce. A Pathway to Financial Independence for Young Adults is a great resource designed to help you make sense of your finances. Each chapter is filled with useful advice, clever graphics, and easy-to-understand examples. Unlike traditional financial guides, which can be extremely complicated and tedious to read, this book explains personal finance using clear, practical language with an emphasis on truly understanding how to manage your money. So if you are a young adult and beginning to really think about your finances, this book can help you. If you have credit card debt and want to know how to get out of it, this book can help you. If you do not have much experience with investment or retirement accounts, this book can help you. And most importantly, if you want a logical yet effective text to assist you in planning your financial future in a step-by-step progression, this book can help you. A Pathway to Financial Independence for Young Adults is a must-read for anyone interested in understanding how to climb the pathway toward money mastery.

"This book is the second in a series entitled ‘Learning and Development for a Better World’ and it explores the potential for self-directed lifelong action learning (LAL) by focusing on the design of development pathways with and for young adults. The book considers the reasons why LAL pathways are needed and draws on innovative approaches used by the Global University for Lifelong Learning (including micro enterprise, peace-building, music, sport and the creative arts) with examples from nine countries. The aim is to offer a timely response to the pressing global problem of access to learning and development for marginalized young people during the vulnerable period from their mid-teens to mid-twenties. This book is an engaging and compelling text. I enjoyed the flow of ideas and the key messages of need and solution that it provides. The authors are articulate and convincing in their crafted messages – as well as passionate. Reading this book is time well spent and both enjoyable and instructional.Brendan Bartlett, Professor of Education, Institute of Learning Sciences Australia, Australian Catholic University This book will help both policy makers and those working with young people to change lives. In many areas of the world, young people, particularly women, lead impoverished lives. Developing approaches to lifelong action learning with these young adults will provide hope for the future. Emer Clarke, Formerly Area Director of the UK Learning and Skills Council The plight of millions of young people is clearly worsening as social and economic divisions increase and deepen. This book will serve those well who want to agitate for change and reform based on a belief in social justice and equality of access to learning and economic fairness for all young people.David Davies, Professor Emeritus and Former Executive Dean, University of Derby, UK This book is a valuable resource, an indispensable text and a must read for all working with young people. What captured my attention most was the way in which it illustrates how access to purposeful learning and development can be provided to marginalized young people. Eldrie Gouws, Professor, Department of Psychology of Education, University of South Africa This is a significant and far reaching response to the global problem of young adults’ unemployment and lack of educational opportunities, especially in disadvantaged, remote and poverty-stricken communities in developing as well as developed countries. It is of interest to a wide audience of readers, including youth, parents, educators, non-profit organizations, governments and churches.Ortrun Zuber-Skerritt, Co-author, ‘Lifelong Action Learning for Community Development: Learning and Development for a Better World’, Sense Publishers, 2013"div v>

Youth Without Family to Lean On draws together interdisciplinary, global perspectives to provide a comprehensive review of the characteristics, dynamics, and development of youth (aged 15–25) who have no family to lean on, either practically or psychologically. In this timely volume, Mozes and Israelashvili bring together leading international experts to present updated knowledge, information on existing interventions, and unanswered questions in relation to youth without family to lean on, in pursuit of fostering these youth’s positive development. The various chapters in this book include discussions on different topics such as social support, developing a sense of belonging, parental involvement, and internalized vs. externalized problems; on populations, including homeless youth, residential care-leavers, refugees, asylum-seekers, young women coming from vulnerable families, and school dropouts; and interventions to promote these youths' mentoring relationships, labor market attainment, out-of-home living placements, use of IT communication, and participation in community-based programs. Additionally, various problems and challenges are presented and elaborated on, such as: Who needs support? Who is qualified to provide support? How should related interventions be developed? The book takes a preventive approach and aims to emphasize steps that can be taken in order to promote young people’s positive development in spite of the absence of a family to rely on in their life and examines the best practices in this context, as well as the international lessons that deserve further dissemination and exploration. This book is essential reading for those in psychology, sociology, public health, social work, law, criminology, public policy, economics, and education and is highly enriching for scholars and practitioners, as well as higher education students, who wish to understand and help the gradually increasing number of youth who are forced, too early, to manage their life alone.

"In Lessons on the Road to Financial Independence, financial advisor and author H. Michael Finkle addresses the goal of seeking personal financial independence by sharing his own background and story as well as his investment experiences, values, and advice. He shares some of the key life experiences that shaped his values and worldviews and how they helped determine both his life and investment career...Pursued correctly, seeking financial independence can lead to a life more fully lived and can open doors to an even more rewarding life experience." -- Publisher's website.

Developmental Cognitive Behavioral Therapy with Adults outlines a new cognitive approach that combines existing CBT theory and strategies with a lifespan developmental psychopathology perspective. The major focus is on the relationship between mastery of normative psycho-social developmental tasks and mental health. Primary targets for therapy are maladaptive developmental pathways that have significantly disrupted the client’s ability to cope with normal adult tasks and challenges. The book builds on standard cognitive therapy models and techniques, while providing further assessment and therapy strategies to address patterns interfering with resolution of normative adult tasks and roles. It introduces several new developmental assessment and therapy strategies, designed to address client difficulties with normal adult developmental tasks and to identify longstanding maladaptive pathways maintaining these difficulties. The book offers a variety of psycho-social developmental task difficulties in occupational, social, and family functioning. The clinical examples provide a deeper understanding of pathways to competence, as well as pathways to deviance, and the contrast between normal and atypical processes as they emerge at different developmental periods.

Financial literacy and financial education are not new topics, even though interest in these topics among policymakers, financial authorities, and academics continues to grow. The Routledge Handbook of Financial Literacy provides a comprehensive reference work that addresses both research perspectives and practical applications to financial education. This is the first volume to summarize the milestones of research in financial literacy from multiple perspectives to offer an overview. The book is organized into six parts. The first three parts provide a conceptual framework, which discusses what financial literacy is, how it should be measured, and explains why it represents a relevant topic and effective tool in enhancing decision-making among consumers as well as consumer protection strategies. Part IV addresses the connection between financial education and financial literacy, with chapters about financial education in school settings as well as for adults. This part includes an analysis of the role of Fintech and the use of gamification in financial education. Part V is a collection of contributions that analyze financial literacy and financial education around the world, with a focus on geographical areas including the U.S., South America, Western Europe, Eastern Europe, Asia, and Africa. This part also considers how financial literacy should be addressed in the case of Islamic finance. The concluding part of the book examines how financial literacy is related to other possible approaches to consumer finance and consumer protection, addressing the relationships between financial literacy and behavioral economics, financial well-being, and financial inclusion. This volume is an indispensable reference for scholars who are new to the topic, including undergraduate and graduate students, and for experienced researchers who wish to enrich their knowledge, policymakers seeking a broader understanding and an international perspective, and practitioners who seek knowledge of best practices as well as innovative approaches.