About the Author

Susan Shelly McGovern is a freelance writer, researcher, and editorial consultant. A former newspaper reporter and columnist, her beats included politics, business, education, and crime. She has written freelance material for an online news service and for various magazines, newspapers, businesses, and agencies. Her other works have included corporate histories, guides to networking and business research, and health and family-related publications. Susan lives with her husband and two children.

Sarah Young Fisher is the owner of Fisher Advisers, a financial consulting firm in Lancaster, Pennsylvania. She is a certified financial planner and a chartered financial consultant. Ms. Fisher is the co-author of The Complete Idiot's Guide to Personal Finance in Your 20s and 30s.