My grandfather was a civil servant with a fixed and regular income and always wanted to do something big with his money. Additionally, he read several articles related to stocks, portfolio management, and other financial opportunities he could invest in to create multiple sources of income. Growing up watching my grandfather invest his time and income, I realized that the process of earning and learning was never-ending. People are always looking for ways to save, invest and increase their income, but it's not a piece of cake for everyone. I am interested in finding out how to put the practical meaning of modern financial theory into practice and how I can use different tools to conduct theoretical and applied research in this field. To achieve my long-term goal of teaching and conducting research, I want to earn my Ph.D. in Personal Financial Planning. I will graduate with a Masters in Finance from the University of Nevada, Reno in May 2019. Say no to plagiarism. Get a tailor-made essay on "Why Violent Video Games Shouldn't Be Banned"? Get an original essay My background in finance has helped me develop my quantitative, analytical, and communication skills. For example, as part of Research Methods in Finance, I performed several analyzes using SAS based on monthly data from December 1997 to December. 2017 for common stocks traded on the NYSE. Positive correlation of betas with stock returns in the US stock market, Fama and the French three-factor model, performance difference between value and growth investing in the US stock market were the analyzes I performed for my project. Likewise, I had to write a paper for my real estate finance class with the group of people and we chose the topic “Relationships Between Student Loan Debt and Homeownership Among Millennials in the United States and China.” We collected data and performed regression analyzes for this article. I believe that this type of analysis, along with many other practical skills and training that I have acquired through my classes, have prepared me in the research and theoretical aspects of finance. I currently work as a graduate assistant for two different professors at the University of Nevada, Reno, assisting in preparing course materials, proctoring exams, grading papers, recording grades, and so on. Furthermore, I worked in several financial institutions, in my home country, Nepal, after graduation, where I was able to gain first-hand experience in cash handling, customer service and solving daily problems. My work experiences have provided my communication skills, leadership skills and time management skills which would be very beneficial for my PhD. In pursuit of my PhD in Personal Financial Planning, I am interested in learning about the contemporary financial theory behind every financial decision made by an individual or family. Each individual has different personality traits that directly influence decision making. I would like to analyze different areas such as cash flow management, risk management, tax and investment planning, retirement planning and estate planning. I want to explore how individual decisions differ: is it just a personality trait or other factors such as time pressure, financial environment, country's economy and so on? Sometimes there is not just a single factor but a combination of several factors that could lead.