This introduction presents an overview of the key concepts discussed in the subsequent chapters of this book. The book helps the student's to studying personal finance as part of a finance-related undergraduate qualification or for professional exams. It is a practical guide for building the personal wealth that student's need in current market-based economies in order to meet their goals and build financial resilience and financial independence. The book also reveals a high degree of harmony between students and teachers on the important tenets and foundations of sound financial planning. It also explains the different perceptions about money and sensitivities to aspects, such as risk. This serves to underline how personal finance and financial planning are as much art as science. As student's study the text, they may enjoy identifying and debating the tensions between these perspectives as they aid them in forming their own financial views and capabilities.