Miranda Marquit
Miranda Marquit is Financial Writer at Encyclopædia Britannica.
Miranda is an award-winning freelancer who has covered various financial markets and topics since 2006. She has contributed to numerous media outlets, including Forbes, TIME, The Hill, NPR, HuffPost, Yahoo! Money, and more. Her work has been syndicated by MSN Money, MarketWatch, Credit.com, and other publications.
In addition to writing about personal finance, investing, college planning, student loans, insurance, and other money-related topics, Miranda is an avid podcaster and co-hosts the Money Talks News podcast. She holds a master’s degree in journalism from Syracuse University and an MBA from Utah State University.
Recent Articles
Retirement
Are 401(k) fees affecting your retirement savings?
Don’t let fees nibble down your nest egg.
Household Finance
Why we still have a gender pay gap in 2024
Wage disparity is persistent and costly.
Household Finance
Understanding credit cards: Their purpose, positives, and potential pitfalls
Swipe, tap, or insert—and then pay.
Household Finance
You can consolidate your credit card, student loan, and other debts, but should you?
Fewer hassles but (maybe) more risk.
Household Finance
Overdraft protection: For insufficient funds in your checking account
Protection is insurance, and insurance costs money.
Household Finance
Peer-to-peer payments: How and when to use Venmo, Zelle, and others
P2P apps are quick and convenient. Are they safe?
Household Finance
Do you need a second-chance checking account?
Take another shot at financial stability.
Household Finance
Should you ditch your traditional savings account for a high-yield savings account?
Larger yield, bigger savings.
Household Finance
Checking account vs. savings account: Choose one or choose both
Tools to power your budgeting, saving, and goal planning.
Retirement
Can you have multiple traditional and Roth IRAs? What if you also contribute to a 401(k)?
Understand income and contribution limits.
Household Finance
How to spot a spoofing attack—whether via email, text, or social media
Spoofing scams aim to swipe your info.
Household Finance
The parent PLUS cliff is coming in 2025. Are you ready?
An important consolidation loophole is closing soon.
Household Finance
Private mortgage insurance (PMI): Why it’s sometimes required (and how to avoid it)
It’s another good reason to build equity.
Household Finance
The debt-to-income ratio: Your ticket to loan approval and lower rates
Lower your DTI; raise your credit status.
Household Finance
Applying for student financial aid? Introducing the Student Aid Index (SAI) and other FAFSA changes
Why is FAFSA simplification so confusing?
Household Finance
Certificate of deposit (CD) vs. savings account: How to choose
One or the other, or both, or neither?
Household Finance
CD investor? Tips and strategies to turbocharge your savings
Is it time to ladder certificates of deposit?
Household Finance
Credit limits: What they are and how to increase yours
That limit may be there for a reason.
Household Finance
What is a credit balance transfer? How it works and three benefits
Boost your score and reduce your interest.
Household Finance
The Biden student loan forgiveness plan is dead. Now what?
Focus on income-driven repayment plans.
Retirement
Retirement 101: Defined benefit vs. defined contribution plans
The burden has shifted from employer to employee.
Retirement
How to use the retirement bucket strategy to protect your nest egg
Three levels of risk and return.
Investing
How to start investing while repaying student debt and loans
An early start can make a big difference.
Household Finance
Parent PLUS Loans: You might be eligible, but should you take one?
This PLUS has its minuses.
Household Finance
Student loan limits: How much can I borrow, and what happens after that?
You can borrow to pay for your education, but there are limits.
Household Finance
How to pay for college: A timeline from preschool to high school
In a word: Start saving soon.
Household Finance
PPOs, HMOs, HSAs, and more: An intro to medical insurance types
Spelling out the alphabet soup of health-care plans.
Household Finance
Gig econ 101: Using side-hustle income to boost your finances
Got a gig on the side?
Household Finance
Credit card reward strategies: Getting more from each purchase
Credit tips, tricks, and potential pitfalls.
Household Finance
What is an independent student? Your status, FAFSA, and taxes
Understand your expected family contribution.
Household Finance
How college scholarships can help you pay for school
Reduce the need for student loans.
Household Finance
How does a mortgage work? A walk through the numbers
Principal, interest, escrow, and more.
Household Finance
How to use Federal Work-Study as part of your financial aid
Get guaranteed student income.
Household Finance
Your guide to payday loans, title loans, and other predatory loans
Don’t get trapped in debt.
Household Finance
Federal loans vs. private loans: Understanding student loan issuer types
Which loans should you get?
Household Finance
Federal student loans: Subsidized vs. unsubsidized loans
You might get one, or both, types.
Household Finance
What is buy now, pay later and should you take advantage of it?
There’s always a catch.
Household Finance
Credit card companies: Who’s who and how they make money
Learn about networks vs. issuers.
Household Finance
Best rewards credit card: Airline miles, points, or cash back?
The best rewards card is one you’ll use.
Retirement
Social Security COLA 2024: What you need to know
A healthy bump, but a far cry from 2023’s record increase.
Household Finance
The student aid index (SAI) and FAFSA: The college cost home stretch
How to grab your share of financial aid.
Retirement
What is the FIRE movement and is it for you?
Burning desire: financial independence; retire early.
Household Finance
Your guide to opening and using a bank account
There’s a first time for everything.
Household Finance
Using emergency savings vs. getting an emergency loan
An ounce of prevention is worth a pound of cure.
Household Finance
What is a credit score? And is FICO really the only credit score that matters?
Your guide to credit scores.
Household Finance
What is a health savings account (HSA)?
Tax-advantaged savings for your health care expenses.
Household Finance
Can automatic bill pay and other tools help you put your money on autopilot?
Commence budgeting sequence.
Household Finance
Health flexible spending accounts (FSAs): A tax-free way to manage health care costs
Stretch your medical spending dollars.