This as-told-to essay is based on a conversation with Kendall McGill, a 32-year-old project manager based in Baltimore. It's been edited for length and clarity. I'd been working as a project manager ...

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Charlene Rhinehart is a CPA , CFE, chair of ...