Renee Calloway

Renee spent her first ten years in finance on the administration side of employer retirement plans, running enrollment seasons for a regional healthcare employer with about 2,800 workers. She fielded the questions people were too embarrassed to ask HR: why the match stopped in October, what a catch-up contribution is, and whether to pick Roth or traditional. That work convinced her that most savings mistakes are timing mistakes, not investing mistakes. She now writes about money in the middle years, and she keeps a laminated copy of her own pay stub checklist taped inside a kitchen cabinet.