Lydia Kibet is a freelance writer with a knack for personal finance, investing and all things money. She's passionate about explaining complex topics in easy-to-understand language. Her work has appeared on Business Insider, Investopedia, The Motley Fool and GOBankingRates. She currently writes about personal finance, insurance, banking, real estate, mortgages, credit cards, loans and more. Connect with her at lydiakibet.com or LinkedIn.