Discover the magic of compounding and why it's important for increasing wealth Robert Kelly is managing director of XTS Energy LLC, and has more than three decades of experience as a business ...

David Kindness is a Certified Public Accountant (CPA) and an expert in the fields of financial accounting, corporate and individual tax planning and preparation, and investing and retirement planning.

We independently review everything we recommend. When you buy through our links, we may earn a commission. Learn more› By Dawn Reiss Life can be unpredictable, overwhelming, and just plain difficult.