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 ...

Toby O'Rourke is the President & CEO of Kampgrounds of America, Inc. and a thought leader in outdoor hospitality and travel. In the past few years, my company undertook a big surge of new property ...