Zac Bissonnette wrote two acclaimed bestsellers before his 24th birthday: Debt-Free U and How to Be Richer, Smarter, and Better-Looking Than Your Parents. He has written for the Wall Street Journal, the Boston Globe Magazine, the Daily Beast, and NYTimes.com, among others. Andrew Tobias was born in New York, attended Harvard College and Harvard Business School, and has written extensively for 25 years on subjects relating to money, business, and personal finance. He has received both the Gerald Loeb Award for Distinguished Business and Financial Journalism and the Consumer Federation of America Media Service Award. He lives in Miami, New York, and cyberspace.