Lucas Downey is the co-founder of MoneyFlows, and an Investopedia Academy instructor. Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, and researcher who has ...

Vikki Velasquez is a researcher and writer who has managed, coordinated, and directed various community and nonprofit organizations. She has conducted in-depth research on social and economic issues ...

Rachel Williams has been an editor for nearly two decades. She has spent the last five years working on small business content to help entrepreneurs start and grow their businesses. She’s well-versed ...

The new year always seems to invite big main-character energy. You know the drill: This is it. I’m finally going to drink more water, save more money, sleep like a well-adjusted adult, and maybe, just ...