Dana Miranda is a Certified Educator in Personal Finance, creator of the Healthy Rich newsletter and author of You Don't Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money ...

As a staff writer for Forbes Advisor, SMB, Kristy helps small business owners find the tools they need to keep their businesses running. She uses the experience of managing her own writing and editing ...

Elysse Bell is a finance and business writer for Investopedia. She writes about small business, personal finance, technology, and more. Dr. JeFreda R. Brown is a financial consultant, Certified ...