Amy Fontinelle is a financial journalist and personal finance expert. She is passionate about making challenging, confusing, and overwhelming topics easy to understand, thereby empowering people to manage their money better and achieve financial freedom. Amy is also a writer, researcher, copy editor, and proofreader for various public policy organizations, educational organizations, and academic economists. In addition to Investopedia, she has written for Forbes Advisor, The Motley Fool, Credible, and Insider. She specializes in working with dense material and with authors who speak English as a second language.