- Motley Fool Money Authors
- Ryan Wilcox
Ryan Wilcox
Full-Time Personal Finance Writer | TMFRyanWilcox
Expertise
Credit cards, banking, investing, insurance, personal loans
NUMBER OF PUBLICATIONS: 306 | LAST PUBLISH DATE: 10-13-2026
Past Experience
Content Writer, The Points Guy
Summary
Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.
Ryan's Recent Articles
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Why $50K in Savings Is Probably Too Much
Oct 10, 2025
Leaving too much cash in your savings account is costing you in the long run. Here's what to do instead.
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Why CDs Are a Great Place for Your Cash in October 2025
Oct 8, 2025
When interest rates fall, rates on all types of savings products fall, too. Learn why now's the perfect time to lock your money in a …
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$50K in the Bank? Here's When It's Too Much -- and What to Do Instead
Oct 7, 2025
Keeping too much cash in your savings account could be costing you. Here's where you should put your money instead.
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Interest Rates Are on the Decline. Here's What to Do With Your Cash Today
Oct 4, 2025
Looking for steady ways to grow your cash, even with falling interest rates? Here's why CDs, HYSAs, and index ETFs are all great choices.
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Scared of Falling Interest Rates? Here's Where to Put $10,000 in October 2025
Oct 4, 2025
Learn how building a CD ladder can help you lock in a high APY for years, even with interest rates on the decline.
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The 3 Safest Places to Park Your Cash in September 2025
Sep 30, 2025
Looking for a way to earn more while keeping your money safe? Learn why HYSAs, CDs, and index ETFs are all great options.
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Kept $10K in a Wells Fargo Account for 5 Years? You Missed Out on Almost $2,000 in Interest
Sep 29, 2025
If you're keeping $10,000 in a Wells Fargo savings account, you're missing out on hundreds of dollars in interest a year. Learn how you can …
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The 3 Biggest Mistakes You Can Make When Investing in CDs
Sep 27, 2025
CDs can be a smart way to grow your money, but simple mistakes could cost you. Learn how to avoid the biggest CD pitfalls today.
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Too Much Money in Savings? Here's How Much You Really Need
Sep 26, 2025
Keeping too much cash in your savings account could cost you. Learn how much you really need in the bank -- and where to put …
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Here's the Single Best Strategy for Investing in CDs When Rates Are About to Fall
Sep 26, 2025
Learn how building a CD ladder can help you maximize long-term earnings, even once interest rates start to fall.
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Act Fast to Lock in a 4% CD Before the Fed Cuts Rates
Sep 26, 2025
If the Fed cuts rates later this week, CD rates will likely fall, too. Learn how to lock in a 4% CD now before it's …
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Have $50K in Savings? Here's What to Do With It
Sep 26, 2025
Keeping too much cash in your savings account could be costing you. Here's where to put your money instead.
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IRA vs. 401(k): Where Should You Invest First?
Sep 26, 2025
Deciding between an IRA and 401(k)? Compare contribution limits, investment options, and more to see which is right for you today.
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Upgrade Premier Savings Account Review
Sep 25, 2025
With no monthly fees, the Upgrade Premier Savings Account is a no-frills way to earn more on your cash. Read our full review now to …
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What the Fed's Rate Cut Means for Personal Loan Rates
Sep 24, 2025
The Fed's recent rate cut could lead to lower rates on new loans, plus a great refinancing opportunity on existing ones. Here's what to know.
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Rocket Money vs. YNAB
Aug 12, 2025
Deciding between Rocket Money and You Need A Budget? Read our full comparison to see which budgeting app is right for you.
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Balance Transfer vs. Personal Loan: Which Should I Choose?
Sep 22, 2025
Looking to pay off high-interest debt? Read our guide to whether a balance transfer or a personal loan is the smarter way to save.
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Here's Why September Could Be the Smartest Month to Open a CD
Sep 20, 2025
When interest rates drop, rates on high-yield savings accounts fall, too. Learn why now's the perfect time to lock your money in a CD.
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Quontic Bank Review
Jun 16, 2025
Read our Quontic Bank review to learn more about its checking, savings, and CD options, and whether it's a fit for your money
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Vanguard Review
Mar 26, 2025
Read our full Vanguard review and see why its low-cost ETFs and mutual funds make it the perfect place for long-term investing.
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This Could Be Your Last Chance to Lock in 4%-Plus CD Rates
Sep 17, 2025
Interest rates are expected to fall over the next several years. Now's the time to lock your money in a high-APY CD while you still …
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How to Apply for a Personal Loan
Jul 25, 2025
Thinking of applying for a personal loan? Here's a step-by-step guide on how to do it, what you'll need, and how to get the best …
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How to Budget
Aug 11, 2025
I finally found a budgeting method that actually works. Here's my simple, step-by-step guide to taking control of your money -- without the overwhelm.
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New to the Stock Market? Here's the No. 1 Investing App I Recommend to Everyone
Sep 14, 2025
If you've never bought a stock in your life, fear not -- Robinhood's here to help. Learn why it's my favorite brokerage for beginners.
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How I Could Make $1,300 in the Next 2 Years Just by Switching Banks
Sep 12, 2025
I just ditched Wells Fargo and its 0.01% APY. See how switching to a high-yield savings account could earn me more than $1,300 in the …
Read More
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