Ben Luthi is a seasoned personal finance expert dedicated to guiding consumers toward smarter financial choices across the board — from picking the best credit cards and loans to cutting travel costs and strengthening their credit.
"As much as some money 'gurus' like to say financial well-being is solely about personal responsibility, there are often personal and systemic obstacles outside your control. Be kind to yourself, and remember that shame doesn't pair well with avocado toast."
Ben started his career in finance selling life insurance and creating financial plans for clients at Northwestern Mutual. He then had short stints in banking and auto finance before becoming a credit card writer for NerdWallet.
He then covered student loans and other personal finance topics for Student Loan Hero before beginning full-time freelancing in 2018. Since then, he's covered nearly every personal finance topic under the sun for publications like the Wall Street Journal, Yahoo Finance, Kiplinger, Fortune, and Forbes Advisor.
He's also written for some of the biggest names in the personal finance industry, including Experian, FICO, Credit Karma, Insurify, Investopedia, Acorns, Bankrate, and CreditCards.com.
When he's not writing, Ben enjoys hanging out with his two kids, reading and collecting books, catching up on his ever-growing list of films and TV shows, and tackling old New York Times crossword puzzles — among dozens of other hobbies he can never find the time for.