People like to pretend that engagement rings are chosen in moments of sudden clarity. A flash of certainty, a perfect ring spotted instantly, decision made. In reality, it almost never works that way.

Learn the benefits and risks of options and how to start trading options Lucas Downey is the co-founder of MoneyFlows, and an Investopedia Academy instructor. Samantha (Sam) Silberstein, CFP®, CSLP®, ...