About the Author
A personal finance expert who started her first job at 14 and navigated the mortgage world at 23, Nina Semczuk has written for SmartAsset, MONEY, MagnifyMoney, ValuePenguin, and LendingTree. Nina is a Certified Educator in Personal Finance® (CEPF®), a member of the Society for Advancing Business Editing and Writing, and an Army veteran with five years of active service. Find her work at ninasemczuk.com.