Ryan Wilcox

Full-Time Personal Finance Writer | TMFRyanWilcox

Expertise

Credit cards, banking, investing, insurance, personal loans

NUMBER OF PUBLICATIONS: 305 | LAST PUBLISH DATE: 10-11-2026

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

• The No. 1 Mistake People Make With Car Insurance
  Jul 10, 2025
  Want to save money on car insurance? Learn the biggest mistake drivers make so you can cut down on costs now.
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• Guide to Car Insurance: How Does It Work?
  Jul 9, 2025
  Read our guide to learn how car insurance works, what it covers, and how much you need to stay protected.
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• Warren Buffett Could've Bought His House in Cash. Here's Why He Still Took Out a Mortgage
  Jul 9, 2025
  Warren Buffett is worth billions, but he still took out a mortgage on his home. Here's why it made financial sense, and what everyday borrowers …
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• 4 Red Flags That Your Retirement Plan Is Off Track
  Jul 8, 2025
  Many Americans fall behind on retirement without realizing it. Learn four key mistakes to avoid, and how to fix them.
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• Here's What Lenders Aren't Telling You About Personal Loans in 2025
  Jul 6, 2025
  Personal loans can be useful -- but only if you know what you're getting into. Learn the hidden fees and tricks lenders don't always explain …
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• Most People Pick the Wrong Savings Account. Did You?
  Jul 2, 2025
  Most Americans earn almost no interest on their savings. Here's how to fix that in 30 minutes or less.
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• How the Average American Could Earn 10x More Interest on Their Savings
  Jul 1, 2025
  Most Americans earn next to nothing in interest on their savings. Learn how to boost your savings APY by switching accounts today.
  Read More
• 3 Smart Money Moves to Make Before a Recession Hits
  Jun 30, 2025
  Worried about the economy? Check out these three smart money moves to stay protected in the event of a recession.
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• Don't Wait for the Headlines -- Act Like a Recession Is Coming Now
  Jun 27, 2025
  Stashing your savings in a high-yield account can help you stay ahead of economic uncertainty. See how this simple move can make a big difference.
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• Do You Have Too Much Car Insurance? 3 Red Flags to Watch Out For
  Jun 20, 2025
  Are you paying too much for car insurance? Watch for these three red flags that could mean you have more coverage than you need.
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• 3 Reasons Not to Get Low-Deductible Car Insurance
  Jun 16, 2025
  Thinking about getting low-deductible car insurance? Learn why it may actually cost you more in the long run.
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• Why You Might Be Paying a Late Fee Without Being Late
  Jun 10, 2025
  Think you paid your credit card on time but still got a late fee? Here's why it happens and how to avoid it.
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• You're Probably Paying an ATM Fee You Don't Need To
  Jun 9, 2025
  Most ATM fees are entirely avoidable. Here's how to switch to a bank that helps you keep more of your cash.
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• This Bank Pays an APY of 4.20%. Should You Switch Now?
  Jun 4, 2025
  You can earn an uber-competitive APY with a LendingClub LevelUp Savings account. Find out if it's the right time to switch today.
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• What Does a $50K Credit Limit Actually Mean -- and Should You Want One?
  Jun 3, 2025
  A $50,000 credit limit sounds great, but it's not always worth chasing. Here's what it really means -- and when it makes sense to aim …
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• Too Much in Savings? 3 Warning Signs You're Missing Out on Growth
  May 30, 2025
  You may be holding on to too much cash. Learn three of the biggest red flags -- and what to do with your money instead.
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• The One Mistake That Makes Your 0% APR Offer Useless
  May 30, 2025
  A single late payment can end your credit card's 0% intro APR offer. Here's how to avoid making that costly mistake.
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• Here's What Happens When You Withdraw $10K -- It's Not What You Think
  May 26, 2025
  Thinking of taking $10,000 out of your bank account? Here's what really happens -- and why the government will find out.
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• 4 Retirement Saving Rules You Can't Afford to Break
  May 25, 2025
  Start saving for your future today. Follow these four golden rules to set yourself up for retirement.
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• Only 16% of Americans Know the Best Long-Term Investment
  May 23, 2025
  Most Americans don't know where to park their money. Here's why the S&P 500 comes out on top as the best long-term investment.
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• Banks With No ATM Fees
  May 20, 2025
  Tired of paying to access your money? Read our picks for banks with no ATM fees and widespread access now.
  Read More
• I'm a Gen-Z Homeowner. Here Are 3 Things I Wish I Knew Before I Bought
  May 18, 2025
  Buying my first home was exciting, but I definitely had some learning to do along the way. Find out how you can be more prepared …
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• Is Your Bank Costing You Money? 4 Signs It's Time to Switch
  May 16, 2025
  If you're still using a traditional bank, you're probably losing money. Here are clear signs that it might be time to make a switch.
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• Worried About a Recession? Here's the Smartest Way to Protect Your Money Now
  May 15, 2025
  Looking for a safe place to stash your money during a downturn? Open a high-yield savings account for flexibility, safety, and strong returns.
  Read More
• Sick of Low Rates? This High-Yield Account Is Turning Heads in May 2025
  May 5, 2025
  Don't be content earning peanuts on your cash. Find out how to earn more than 10x the national average on your savings with this valuable …
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