Julie Young is an experienced financial writer and editor. She specializes in financial analysis in capital planning and investment management. Suzanne is a content marketer, writer, and fact-checker.

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Thomas J Catalano is a CFP and Registered ...

This article was originally published at The Conversation. The publication contributed the article to Space.com's Expert Voices: Op-Ed & Insights I was preparing for my early morning class back in ...