A few weeks ago, I was attending a wedding where I’ve known the groom for about 20 years. I wasn’t one of the groomsmen and didn’t know all of them, but I was hanging out with them for a bit. The groom introduced me to them as a writer, and the usual questions followed: What do you write? Where is it published? You get the idea. Upon realizing I was a personal finance writer, one of them grinned and asked me the million-dollar question.