Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Ebony Howard is a certified public accountant and a QuickBooks ProAdvisor tax expert. She ...

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 ...