Dr. JeFreda R. Brown is a financial consultant, Certified Financial Education Instructor, and researcher who has assisted thousands of clients over a more than two-decade career. She is the CEO of ...

James Chen, CMT is an expert trader, investment adviser, and global market strategist. Erika Rasure is globally-recognized as a leading consumer economics subject matter expert, researcher, and ...

NBC Selected independently determines what we cover and recommend. When you click on or buy through our links, we earn a commission. Learn more. Bethany Heitman Commerce Editor We don’t always have ...