Dear Penny is a personal finance advice column. Lisa Rowan is a personal finance writer and on-air analyst at The Penny Hoarder, and the voice behind Dear Penny. With over a decade of reporting experience, Lisa aims to offer honest, practical personal finance advice to help consumers achieve their financial goals. Lisa is a graduate of the University of Maryland and Georgetown University. She lived in Washington, D.C., for 10 years before moving to St. Petersburg in 2016.