How should manage your personal finances? Economists have views on this, but most people don’t get their advice from economists. Professor Choi, a recipient of the TIAA Paul A. Samuelson Award for outstanding scholarly writing on financial security, has analyzed the 50 most popular personal finance books to see how their guidance compares to economic theory — and the results may surprise you. So should you listen to the economists? Or to Dave Ramsey, Suze Orman, and their ilk?