Lucas Downey is the co-founder of MoneyFlows, and an Investopedia Academy instructor. Ryan Eichler holds a B.S.B.A with a concentration in Finance from Boston University. He has held positions in, and ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Suzanne is a content marketer, writer, and fact-checker. She holds a Bachelor of Science in ...