The formula we’re about to share isn’t the actual treasure; it’s only the key. You could call it the “cash flow” formula.

Ben Woolsey is a full-time Associate Editorial Director at Investopedia, focusing on financial products and services. He has worked in marketing, operations, and content management roles for banks ...

“You could have a credit card with a 10 percent interest rate or a 0 percent interest rate,” Wu says. “But [if] there are a huge amount of fees associated with it, it’s still going to cost ...