Broadly, personal finance is the management of an individual’s assets. Beyond cash assets and property, it may involve stocks, bonds, mutual funds, 401(k) plans, IRAs, or other investments. The decisions you make regarding your personal finances will affect many aspects of your life, as well as the lives of your partner and any children or other heirs. Fortunately, there are many services available to help you make the right choices, many of them at no charge.