Clint Proctor is a managing editor with the credit cards and travel rewards team at Forbes Advisor. He has eight years of experience in personal finance journalism and has contributed to a variety of ...

Elysse Bell is a finance and business writer for Investopedia. She writes about small business, personal finance, technology, and more. Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an experienced ...