Sandra Block, a contributor to Kiplinger Personal Finance magazine and other publications, has covered personal finance for more than 20 years. Before joining Kiplinger’s, she was a personal finance reporter and columnist for USA TODAY. Her areas of expertise include taxes, saving for retirement, student loans, consumer banking and money management. She is co-author of the “Busy Family’s Guide to Money” and “Easy Ways to Lower Your Taxes: Simple Strategies Every Taxpayer Should Know.” She continues to contribute to Kiplinger Personal Finance and other publications.