About the Author

Jonathan Clements is a financial writer living just north of New York City. Born in London, England, Jonathan graduated from Cambridge University. He spent almost 20 years at the Wall Street Journal in New York, where he was a personal finance columnist. Jonathan also worked at Citigroup for six years as director of financial education for the US wealth-management business.

Jonathan has written a novel and eight personal finance books. He's editor of HumbleDollar.com and sits on the advisory board and investment committee of Creative Planning, a US-registered investment adviser. An avid bicyclist, Jonathan can, on many mornings, be found pedalling madly around town. He's married, with two children and two stepchildren. You can learn more at HumbleDollar.com or at the Jonathan Clements Money Guide's Facebook page. You can also follow Jonathan on Twitter @ClementsMoney. Every month, he puts out a free newsletter - you can sign up at HumbleDollar.com.

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