Sarah Young Fisher is the president of Kuntz Lesher Capital, LLP, an estate/financial planning consulting firm in Lancaster, Pennsylvania, and the author of Your Money, a column in Consumer Digestmagazine. She is a certified financial planner, a chartered financial consultant with the American College in Bryn Mawr, Pennsylvania, and a certified financial services counselor, and has a Masters degree in financial services. She is a co-author of Everything You Need to Know About Money and Investingand The Complete Idiots Guide to Personal Finance in Your 40s and 50s. Susan Shelly is a freelance writer, researcher, and editorial consultant, and a former newspaper reporter and columnist. Her other works include The Complete Idiots Guide to Personal Finance in Your 40s and 50sand The Complete Idiots Guide to Money for Teens.