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Ten Principles of Personal Finance A. Principle 1: The Best Protection Is Knowledge B. Principle 2: Nothing Happens Without a Plan C. Principle 3: The Time Value of Money D. Principle 4: Taxes. Test Bank (Download only) for Personal Finance: Turning Money into Wealth, 7th Edition. Arthur J. Keown, Virginia Polytechnic Instit. and State University. Journal of Wealth Management Financial Planning. Personal Finance. Turning Money Into Wealth. Title.: book, the most recent edition (7th). The financial planning process ; Measuring your financial health and making a plan ; Understanding the time value of money ; Tax planning and strategies -- part 2. Managing your money. Cash or liquid asset management ; Using credit cards: the role of open credit ; Using consumer loans: the role of planned borrowing ; The home and automobile.