Look Inside Look Inside Cover: Business with Personal Finance for the AP® Course (High School), 1st Edition by David Anderson; Heidi M. Neck; Christopher P. Neck; Emma L. Murray

Business with Personal Finance for the AP® Course (High School)

First Edition ©2026 David Anderson; Heidi M. Neck; Christopher P. Neck; Emma L. Murray

Business Principles with Personal Finance for the AP® Course is a high school textbook designed specifically for the new AP® Business with Personal Finance course. Positioned at the intersection of AP® rigor, career readiness, and financial literacy, it fu...

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ISBN:9781319608903

Look Inside Look Inside Cover: Business with Personal Finance for the AP® Course (High School), 1st Edition by David Anderson; Heidi M. Neck; Christopher P. Neck; Emma L. Murray

Prepare students for AP® success and beyond with the first program fully aligned to the AP® Business with Personal Finance framework.

Business Principles with Personal Finance for the AP® Course is a high school textbook designed specifically for the new AP® Business with Personal Finance course. Positioned at the intersection of AP® rigor, career readiness, and financial literacy, it fully supports the course framework while also going beyond the AP® Business curriculum to help students navigate real-world business and personal finance decisions with confidence. Throughout the text, students develop durable skills, explore key business concepts, and establish personal finance foundations they can apply both on the AP® exam and in everyday life.

With 31 modules, including five Personal Finance modules, students explore business, entrepreneurship, marketing, management, and more through case studies and real-world application. The modular structure breaks complex topics into clear, digestible segments, supporting students at every stage, regardless of background or prior exposure. 

Support for the required Business Canvas Project is integrated throughout the text in Business Canvas Project Application boxes and reinforced in a dedicated appendix.

This program aligns directly with the AP® Business with Personal Finance Course and Exam Description (CED) in scope and sequence, ensuring complete content and skill coverage. AP® content is authored by AP® Business course advisor David Anderson, co-author of Krugman’s Economics for the AP® Course, to create a student-friendly, exam-focused high school textbook.

Features

Mirroring the AP® Course and Exam Description (CED) 1:1, this modular textbook is a purpose-built solution for AP® Business with Personal Finance. It provides consistent AP® practice, authentic real-world application, and the skills development and knowledge necessary for student success, while offering teachers clarity, flexibility, and instructional support.

  • Direct CED Alignment makes planning intuitive and ensures complete coverage of required content and skills.
  • Modular and Manageable Organization: Five units, organized into 31 modules, present content in easily digestible chunks that support comprehension without overwhelming students.
  • Five Personal Finance modules: These modules provide practice with real-life financial scenarios and align with the National Standards for Personal Financial Education set by the Council for Economic Education and Jump$tart Coalition. They may also support state personal finance requirements.
  • Integrated Case Studies: Case studies, integrated throughout each module, connect core business concepts to authentic business and financial decision-making scenarios.
  • AP® Practice: End-of-module and end-of-unit assessments include stimulus-based multiple-choice and free-response questions designed to build readiness from day one.
  • AP® Skills Development: End-of-unit AP® Skills Workshops help develop the required AP® Skills (Concept Application, Entrepreneurship, Decision Making, Communication, Collaboration).
  • Business Canvas Project Support: Business Canvas Project Application boxes provide guidance and checkpoints to help students develop their AP® Business Canvas Project throughout the year.
  • Point-of-Use Student Support: AP® Exam Tips, Skills Tips, and a running glossary reinforce key concepts and vocabulary exactly when needed.
  • Comprehensive Teacher Resources:
    • Teacher’s Edition, authored by development committee member and field tester Luiz Bravim, has pacing guidance, teaching strategies, engagement activities, and tips in the margins and opening Blue Pages.
    • Teacher’s Resource Materials contain worksheets, professional development videos, and more–all within Achieve.
    • Test Bank questions simulate what your students will see on the AP® exam.

New to This Edition

“The best single resource for teaching and preparing students AP® Business with Personal Finance!” -Teacher from Montgomery County (MD)


“[Business Principles with Personal Finance for the AP® Course] is a comprehensive text that will help the teacher AND student prepare for the test by giving a variety of questions, prompts, and suggestions.” -Teacher from Columbia County (GA)

Digital Options

Table of Contents

Unit 1 Business, Competition, and New Ideas

1.1 What Is a Business?

1.2 Markets and Competitive Advantage

1.3 PESTEL Factors and the Business Environment

1.4 How Do Business Ideas Originate?

1.5 Vision

1.6 Business Ethics

1.7 Organization, Roles, and Responsibilities

1.8 Supply Chains

Unit 2 Marketing

2.1 Marketing to Customers

2.2 Consumer Behavior

2.3 Market Research

2.4 Product

2.5 Price

2.6 Place and Channels

2.7 Promotion and Marketing Communication

Unit 3 PART 1 Personal Saving and Borrowing

3.1 Saving for Future Purchases

3.2 Borrowing, Credit, and Debt

Unit 3 PART 2 Business Finance and Accounting

3.3 Accounting and Financial Management

3.4 Business Expenses

3.5 Financial Capital

3.6 The Income Statement

3.7 The Balance Sheet and Net Worth

3.8 The Cash Flow Statement

3.9 Ethics and Financial Reporting

Unit 4 Management and Strategy

4.1 Management and Leadership

4.2 Evaluating Performance Using KPIs

4.3 Strategy and Decision Making

4.4 Strategic Frameworks: Porter's Five Forces and SWOT Analysis

Unit 5 Personal Goals, Budgeting, and Investing

5.1 Taxes, Net Income, and Budgeting

5.2 Managing Personal Risk

5.3 Saving and Investing for Education, Housing, and Retirement Goals

APPENDIX: THE BUSINESS MODEL CANVAS

REFERENCES

GLOSSARY/GLOSARIO

INDEX

Headshot of David Anderson

David Anderson

David A. Anderson, Ph.D., has been involved in AP® programs and leadership since 1994, including service on the National Advisory Board for AP® Business Principles and as the chief reader for AP® Economics or AP® Microeconomics for five years. An experienced instructor of business principles and entrepreneurship, Anderson is the Paul G. Blazer Professor of Business and Economics at Centre College. He has won awards for excellence and innovation in the classroom. He received his B.A. from the University of Michigan and his MA and PhD from Duke University. He earned a graduate certificate in innovation and entrepreneurship from the Harvard Extension School and an M.B.A. from the University of the People. He also has experience in retail management and banking. Anderson has authored or co-authored dozens of scholarly articles and 18 books, including Economics for the AP® Course, Environmental Economics and Natural Resource Management, and The Light in the Library Basement: A Personal Finance Mystery Story. His research topics include stock markets, wages, unemployment compensation, pedagogy, and the cost of crime. His favorite hobby is long-distance running. He resides with his family in Danville, Kentucky.

Headshot of Heidi Neck

Heidi Neck

Heidi Neck, Ph.D., is the Jeffry Timmons Professor of Entrepreneurial Studies at Babson College, where she also serves as the Academic Director of the Babson Academy. In this role, she helps to shape the future of entrepreneurship education, influencing universities worldwide to rethink and innovate their approaches to teaching entrepreneurship. The Babson Academy, under Neck's leadership, serves as a catalyst for this transformation, expanding access to high-quality entrepreneurship education and fostering a global community of educators dedicated to advancing the field. She also founded the Babson Collaborative, which connects institutions globally to grow entrepreneurship ecosystems. Neck holds a B.S. in Marketing from Louisiana State University and MBA and Ph.D. in Strategic Management and Entrepreneurship from the University of Colorado at Boulder.

Headshot of Christopher Neck

Christopher Neck

Dr. Christopher P. Neck, Ph.D., is currently a Professor of Management at Arizona State University, where he held the title “University Master Teacher.” From 1994 to 2009, he was part of the Pamplin College of Business faculty at Virginia Tech, where he received numerous teaching honors, including the 2002 Wine Award for Teaching Excellence and ten “Students’ Choice Teacher of the Year” awards, voted on by students across the university. Neck’s research specialties include employee/executive fitness, self-leadership, leadership, group decision-making processes, and self-managing teams. He has over 200 publications in the form of books, chapters, and articles in various journals. Neck earned his PhD in Management from Arizona State University and his MBA from Louisiana State University.

Headshot of Emma Murray

Emma Murray

Emma L. Murray, BA, Hdip, completed a bachelor of arts degree in English and Spanish at University College Dublin (UCD) in County Dublin, Ireland, followed by a higher diploma (Hdip) in business studies and information technology at the Michael Smurfit Graduate School of Business in County Dublin, Ireland. Following her studies, Murray spent nearly a decade in investment banking before becoming a full-time writer and author. Murray has worked on numerous texts, including business and economics, self-help, and psychology.

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Teacher's Edition with Online Teacher Resources for Business with Personal Finance for the AP® Course (High School)

David Anderson; Heidi M. Neck; Christopher P. Neck; Emma L. Murray | First Edition | ©2026 | ISBN:9781319620288