Lucas Downey is the co-founder of MoneyFlows, and an Investopedia Academy instructor. Katrina Ávila Munichiello is an experienced editor, writer, fact-checker, and proofreader with more than fourteen ...

Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, and researcher who has assisted thousands of clients over a more than two-decade career. She is the CEO of ...