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Toni Husbands is a staff writer with CNET Money who enjoys exploring topics that promote financial wellness. She began writing about personal finance to document her experience paying off $107,000 of debt, which is detailed in her book, The Great Debt Dump. Previously, she contributed as a freelance writer for websites, including CreditCards.com, Centsai and Wisebread. She was also a regular contributor to Business AM TV, and her work has been featured on Yahoo News. Being a part-time real estate investor and amateur gardener also brings her joy.

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Kelly is an editor for CNET Money focusing on banking. She has over 10 years of experience in personal finance and previously wrote for CBS MoneyWatch covering banking, investing, insurance and home equity products. She is passionate about arming consumers with the tools they need to take control of their financial lives. In her free time, she enjoys binging podcasts, scouring thrift stores for unique home décor and spoiling the heck out of her dogs.

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Shang Saavedra is the founder and CEO of Save My Cents, a personal finance education platform that helps Americans learn how mental health and financial wealth are connected, and how to use the power of an abundance mindset to unlock more wealth. Shang finished saving for her retirement by the age of 31, and now lives a work optional life in Southern California with her husband, two boys, and two cats. She teaches Americans the key habits and behaviors needed to become less fearful of money, and how to live life with joy. Her insights have been published by numerous national publications. Shang received her bachelor's degree in economics from Harvard and her MBA from the University of Chicago Booth School of Business.