And then here's a fancy author bio:

A classically trained French hornist by education, Nick Wolny is a senior editor and journalist at CNET, where he oversees coverage related to consumer spending, consumer tech and personal finance. He is also the finance columnist for Out magazine and a frequent television correspondent.

Prior to journalism, Nick owned a content marketing agency, a business he converted into a fractional consultancy upon pivoting his career, and has previously written thought leadership columns for Fast Company, Insider, Entrepreneur Magazine and Fortune. A rural Illinois boy at heart, he's now based in Los Angeles.