Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Doretha Clemons, Ph.D., MBA, PMP, has been a corporate IT executive and professor for 34 ...

Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. VioletaStoimenova / Getty Images Disclosure is the release of ...