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Have a tricky money dilemma? Dear Penny wants to help! Write Dear Penny for practical money advice that doesn’t take an economics degree to apply to your daily life.

Dana Miranda is a Certified Educator in Personal Finance®, author, speaker and personal finance journalist. She writes Healthy Rich, a newsletter about how capitalism impacts the ways we think, teach and talk about money.

DISCLAIMER: Chosen questions and featured answers will appear in The Penny Hoarder’s “Dear Penny” column. We won’t be able to answer every single letter (We can only type so fast!). We reserve the right to edit and publish your questions. Don’t worry — your identity will remain anonymous. We don’t have psychology, accounting, finance or legal degrees, so our advice is for general informational purposes only. We do, however, promise to give you honest advice based on our own insights and real-life experiences.