Katherine Haan, MBA, is a Senior Staff Writer for Forbes Advisor and a former financial advisor turned international bestselling author and business coach. For more than a decade, she’s helped small ...

Liz Simmons is an education staff writer at Forbes Advisor. She has written about higher education and career development for various online publications since 2016. She earned a master’s degree in ...

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may ...