A textbook for students of Russian universities and other representatives of generation Z, constantly updated taking into account the latest changes in legislation and business practice. Created by the Federal Network Methodological Center of the Lomonosov Moscow State University (https://fingramota.econ.msu.ru/) within the framework of the project of the Ministry of Finance of the Russian Federation and the World Bank "Assistance in increasing the level of financial literacy of the population and the development of financial education in the Russian Federation" ... A distinctive feature of the proposed textbook is the interpretation of the considered phenomena and problems, taking into account the behavioral characteristics of a person when making decisions.