<span style="font-weight: 400;">Adam Morgan is a senior editor at The Simple Dollar who’s covered finance and culture for 15 years. He developed the Simple Dollar’s proprietary scoring metric — the SimpleScore — and founded the annual Simple Dollar Awards. He is a former contributing editor to Bankrate and NextAdvisor.com, and his writing has been featured in The Guardian, Los Angeles Times, Chicago Tribune, The AV Club, and elsewhere.</span>