I’m Judith Ward, CFP ®, a Senior Financial Planner and Vice President of T. Rowe Price Associates, Inc., and mom of two millennials. I write for T. Rowe Price publications and offer commentary and practical insights on retirement and personal finance. I have a B.A. in economics and a certificate in finance from the University of Maryland, Baltimore County. Read more from me at troweprice.com/insights or follow me @JudithBWard.