Rita Williams is a personal finance writer who has covered wealth management, loans, budgeting, debt, mortgages, and retirement for 5 years. She also writes on banking and investing. Rita pursued a PhD in English at the University of Delaware and also holds degrees from Villanova University and the University of California at Berkeley. She has written for The Motley Fool and The Billfold, among other publications. Her website is http://ritawilliamswrites.com.