For more than 20 years, Kira Vermond has written about personal finance, workplaces and business for publications ranging from The Globe and Mail to Chatelaine and also for the CBC. She’s the author of Earn, Spend, Save: The savvy guide to a richer, smarter, debt-free life and The Secret Life of Money, a finance book for kids. She lives and works in Guelph, Ont.