Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the acf domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /var/www/html/web/wp/wp-includes/functions.php on line 6121

Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the insert-headers-and-footers domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /var/www/html/web/wp/wp-includes/functions.php on line 6121

Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the members domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /var/www/html/web/wp/wp-includes/functions.php on line 6121

Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the wpg domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /var/www/html/web/wp/wp-includes/functions.php on line 6121

Warning: Undefined global variable $hide_display_ads in /var/www/html/web/app/plugins/tph-general-functions/index.php on line 2156

Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the wp-asset-clean-up domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /var/www/html/web/wp/wp-includes/functions.php on line 6121

Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the breadcrumb-navxt domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /var/www/html/web/wp/wp-includes/functions.php on line 6121

Notice: Function _load_textdomain_just_in_time was called incorrectly. Translation loading for the advanced-ads domain was triggered too early. This is usually an indicator for some code in the plugin or theme running too early. Translations should be loaded at the init action or later. Please see Debugging in WordPress for more information. (This message was added in version 6.7.0.) in /var/www/html/web/wp/wp-includes/functions.php on line 6121

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Module_Cache_Busting::$cache_busting_module_enabled is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/cache-busting.class.php on line 153

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Module_Cache_Busting::$lazy_load_module_enabled is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/cache-busting.class.php on line 159

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Module_Cache_Busting::$lazy_load_module_offset is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/cache-busting.class.php on line 160

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Module_Cache_Busting::$fallback_method is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/cache-busting.class.php on line 172

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Cache_Busting_Server_Info::$cache_busting is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/server-info.class.php on line 21

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Cache_Busting_Server_Info::$options is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/server-info.class.php on line 22

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Cache_Busting_Server_Info::$server_info_duration is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/server-info.class.php on line 24

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Cache_Busting_Server_Info::$vc_cache_reset is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/server-info.class.php on line 25

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Cache_Busting_Server_Info::$is_ajax is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/server-info.class.php on line 27

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Cache_Busting_Visitor_Info_Cookie::$server_info is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/server-info.class.php on line 152

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Module_Cache_Busting::$server_info is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/cache-busting/cache-busting.class.php on line 174

Deprecated: Creation of dynamic property Advanced_Ads_Pro_Group_Refresh::$is_ajax is deprecated in /var/www/html/web/app/plugins/advanced-ads-pro/modules/group-refresh/group-refresh.class.php on line 25

Notice: Function register_meta was called incorrectly. When registering a default meta value the data must match the type provided. Please see Debugging in WordPress for more information. (This message was added in version 5.5.0.) in /var/www/html/web/wp/wp-includes/functions.php on line 6121

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\HandlerList::count() should either be compatible with Countable::count(): int, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/HandlerList.php on line 272

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\Api\AbstractModel::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/Api/AbstractModel.php on line 35

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\Api\AbstractModel::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/Api/AbstractModel.php on line 27

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\Api\AbstractModel::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/Api/AbstractModel.php on line 31

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\Api\AbstractModel::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/Api/AbstractModel.php on line 39

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\Endpoint\Partition::offsetExists($offset) should either be compatible with ArrayAccess::offsetExists(mixed $offset): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/HasDataTrait.php on line 37

Deprecated: Return type of & DeliciousBrains\WP_Offload_Media\Aws3\Aws\Endpoint\Partition::offsetGet($offset) should either be compatible with ArrayAccess::offsetGet(mixed $offset): mixed, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/HasDataTrait.php on line 25

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\Endpoint\Partition::offsetSet($offset, $value) should either be compatible with ArrayAccess::offsetSet(mixed $offset, mixed $value): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/HasDataTrait.php on line 33

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\Endpoint\Partition::offsetUnset($offset) should either be compatible with ArrayAccess::offsetUnset(mixed $offset): void, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/HasDataTrait.php on line 41

Deprecated: DeliciousBrains\WP_Offload_Media\Aws3\Aws\Credentials\Credentials implements the Serializable interface, which is deprecated. Implement __serialize() and __unserialize() instead (or in addition, if support for old PHP versions is necessary) in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/Credentials/Credentials.php on line 9

Deprecated: Use of "self" in callables is deprecated in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/ClientSideMonitoring/ConfigurationProvider.php on line 118

Deprecated: Return type of DeliciousBrains\WP_Offload_Media\Aws3\Aws\LruArrayCache::count() should either be compatible with Countable::count(): int, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice in /var/www/html/web/app/plugins/amazon-s3-and-cloudfront/vendor/Aws3/Aws/LruArrayCache.php on line 65

Warning: Undefined global variable $is_a_search_engine in /var/www/html/web/app/themes/pennyhoarder/header-meta-tags.php on line 679

Warning: Undefined variable $primary_cat_name in /var/www/html/web/app/themes/pennyhoarder/header-meta-tags.php on line 731

Warning: Undefined variable $set_no_index_meta_tag in /var/www/html/web/app/themes/pennyhoarder/header-meta-tags.php on line 926
Rachel Christian, CEPF®, Contributor - The Penny Hoarder
Rachel Christian, CEPF® Photo

Rachel Christian, CEPF®

Contributor

Rachel Christian is a freelance financial journalist who helps readers make sense of money — from investing and taxes to retirement and everyday personal finance. Her work has been featured in Yahoo Finance, Business Insider, Bankrate, Orlando Business Journal and The Penny Hoarder. In June 2021, she became a Certified Educator in Personal Finance with FinCert, a division of the Institute for Financial Literacy. Rachel holds a bachelor’s degree in journalism from the University of Southern Indiana.

Meet the rest of Our Editorial Staff.

Latest Articles

A group of people with children set the table for lunch together outside underneath a pergola.
9 Cheap Ways to Block Your Neighbor’s View into Your Yard
July 31, 2026
Freedom Debt Relief Review 2026: Is It Legit and Is It Worth It?
July 16, 2026
A woman looks stressed out while sitting on her porch.
Denied for a Loan? Why It Happens and How to Get Approved Next Time
July 16, 2026
Load More

Deprecated: Function get_currentuserinfo is deprecated since version 4.5.0! Use wp_get_current_user() instead. in /var/www/html/web/wp/wp-includes/functions.php on line 6121