Erika Rasure is globally-recognized as a leading consumer economics subject matter expert, researcher, and educator. She is a financial therapist and transformational coach, with a special interest in ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Suzanne is a content marketer, writer, and fact-checker. She holds a Bachelor of Science in ...

We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Dawn Reiss Life can be unpredictable, overwhelming, and just plain difficult.