Lisa Mulka is a freelance personal finance writer, covering financial topics for consumer and educational arenas. She has spent more than 15 years teaching writing to a myriad of ages, enabling her to effectively distill complex financial topics into easily digestible content. She holds two master’s degrees, one in written communication and one in education. She has served as the lead writer on FDIC’s Money Smart for Young People, is the author of an award-winning children’s book on financial literacy, and has written several high school text books on personal finance. When she’s not budgeting, writing, or teaching, she enjoys practicing yoga and spending time with her family.