Doug Wintemute is a staff writer for Forbes Advisor. After completing his master’s in English at York University, he began his writing career in the higher education space. Over the past decade, Doug ...

Elysse Bell is a finance and business writer for Investopedia. She writes about small business, personal finance, technology, and more. Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an experienced ...