Dana Miranda is a Certified Educator in Personal Finance, creator of the Healthy Rich newsletter and author of You Don't Need a Budget: Stop Worrying about Debt, Spend without Shame, and Manage Money ...

Stephen Simpson, CFA, has 15+ years of experience in financial publishing and editing. He is the operator of the Kratisto Investing blog. Michael Boyle is an experienced financial professional with ...

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There’s a reason we tend to feel sleepy around the same time each night — and why, if we don’t set an alarm, we tend to wake up at the same time in the mornings. As long as we’re not pulling ...