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First published in The Atlantic on October 26, 2025.

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech ...

Ashley Eneriz is a financial writer who has been published on a myriad of sites. She has 10+ years of financial writing experience. Samantha (Sam) Silberstein, CFP®, CSLP®, EA, is an experienced ...