LK

Lydia Kibet

Lydia is a freelance writer with a knack for personal finance and all things money. She's passionate about explaining complex topics in easy-to-understand language. Lydia has covered a variety of finance topics, including investing, insurance, banking, credit cards, loans, saving, spending, and retirement.

She holds a Bachelor's degree in Finance, which fuels her passion for helping people take control of their financial future. Her goal is to empower readers with the knowledge they need to make informed financial decisions.

In addition to GoBankingRates, her work has appeared in Business Insider, Investopedia, The Motley Fool, and Monito. When she’s not writing, you can find her going for long walks, enjoying nature, and finding inspiration for her next project.

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    • I’m a Bank Teller: 5 Things You May Not Know About Your Savings Account
      26 Feb—GOBankingRates
      tsingha25 / Getty Images Commitment to Our Readers For many people, a savings account is a place to stash money and let it grow. However, there are many things you may not know about your savings account. GOBankingRates spoke with Valeisha Douglas, bank teller and relationship advisor at Addition Financial, who shared five things people are often unaware of about their savings accounts. There Are Different Types of Savings Accounts You may think a savings account is just a savings account,...
    • 4 Financial Planning Strategies From Experts and the Important Role Your Bank Plays
      21 Feb—GOBankingRates
      igor_kell / Getty Images/iStockphoto Commitment to Our Readers Most people think of their bank as a place to deposit and withdraw cash, but it’s more than that. Whether investing, building an emergency fund or saving for retirement, your bank plays a key role in helping you achieve your financial goals. Here are common financial planning strategies and how your bank can help secure your financial future. Cash Flow Management One of the most fundamental aspects of financial planning is cash...
    • I Planned on Retiring in 2025: 4 Reasons I’m Having Second Thoughts
      25 Feb—GOBankingRates
      brizmaker / iStock.com Commitment to Our Readers A well-deserved retirement is all you need after decades of toiling hard. But when you approach the planned retirement date, things might change. That’s the exact situation Terry L., from Texas, is in. After years of planning to retire in 2025, she’s now having second thoughts. She shared with GOBankingRates why she’s rethinking her decision. Also find out why “micro-retirements” are gaining traction. Not Ready To Walk Away From My Career At...
    • 3 Reasons To Be Pessimistic About Crypto in 2025
      22 Feb—GOBankingRates
      2024 was a great year for crypto investors. Bitcoin broke the $100,000 mark for the first time, altcoins surged, and many institutions embraced digital assets. Before you assume the rally will continue this year, some experts are pessimistic about crypto, and here’s why. The Biggest Tailwinds Are Already Behind Us Crypto’s explosive rally in 2024 wasn’t an accident. Several things fueled this surge, from the SEC approval of Bitcoin ETFs to the halving cycle and a wave of optimism about the...
    • How Trump’s ‘Strategic Bitcoin Reserve’ Could Affect the Economy in 2025
      13 Feb—GOBankingRates
      ©PABLO GIANINAZZI/EPA-EFE / Shutterstock Commitment to Our Readers President Donald Trump recently signed an executive order to evaluate whether the U.S. should establish a national stockpile of digital assets, per NBC News. One of Trump’s promises during his campaign was to create a “strategic Bitcoin reserve” similar to the Strategic Petroleum Reserve. The order partly delivers on his promise, signaling changes are beginning to happen. Here’s how economists think a national Bitcoin...

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