This is an undergraduate textbook on the basic aspects of personal savings and investing with a balanced mix of mathematical rigor and economic intuition. It uses routine financial calculations as the motivation and basis for tools of elementary real analysis rather than taking the latter as given. Proofs using induction, recurrence relations and proofs by contradiction are covered. Inequalities such as the Arithmetic-Geometric Mean Inequality and the Cauchy-Schwarz Inequality are used. Basic topics in probability and statistics are presented. The student is introduced to elements of saving and investing that are of life-long practical use. These include savings and checking accounts, certificates of deposit, student loans, credit cards, mortgages, buying and selling bonds, and buying and selling stocks.The book is self contained and accessible. The authors follow a systematic pattern for each chapter including a variety of examples and exercises ensuring that the student deals with realities, rather than theoretical idealizations. It is suitable for courses in mathematics, investing, banking, financial engineering, and related topics.

这是一本关于个人储蓄和投资基本方面的本科教材，数学严谨和经济直觉相结合。它使用常规的财务计算作为基本的实际分析工具的动机和基础，而不是把后者作为给定的。包括归纳法证明、递推关系证明和矛盾证明。使用了算术几何平均不等式和Cauchy-Schwarz不等式等不等式。介绍了概率论和统计学中的基本问题。向学生介绍终身实用的储蓄和投资要素。这些包括储蓄和支票账户、存款单、学生贷款、信用卡、抵押贷款、买卖债券和买卖股票。这本书是独立的，可供查阅。作者遵循每一章的系统模式，包括各种各样的例子和练习，确保学生处理现实，而不是理论上的理想化。它适用于数学、投资、银行、金融工程和相关主题的课程。