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      I want to start by thanking my husband, Jonathan, because without him, this book would not exist. Jonathan, from the very beginning you encouraged me to pursue this goal. You supported me through every setback over the many years it took to make this dream a reality. I completed it with your help, your snacks, and all those walks you took with the kids so I could write. I wouldn't be a mom without you, and I certainly wouldn't be an author without you either. I love you!

      Thank you to the entire team at Wiley, especially Kevin Harreld, for believing in this project and helping turn it into a finished product. Thank you to the Knight Agency, especially my literary agent, Elaine Spencer, for your brilliance, tenacity, and for figuring out how to sell my book.

      Thank you to Jennifer Locke, for helping me create the perfect title for this book as well as Meghan Stevensen and Farnoosh Torabi, who helped bring my initial ideas together several years ago. Thanks also to Adam Kirschner for helping me grow my career in a meaningful way.

      A special thank‐you to my friend Katie Gilbert, who saw a tweet from my literary agency saying they were looking for writers in the personal finance niche and passed it along to me. Katie also spent time reading and editing this book when I finished, and her feedback gave me enough confidence to actually turn it in.

      To Andrew Dewar, it's hard to adequately thank you in words. Your friendship and kindness is unparalleled. I don't know how many pep talks you had to give me while I wrote this book, but they certainly helped get it done. Also, thank you for reading this before I turned it in. You've secured your spot in the Top 5.

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