Helaine R. Olen is the author of “Pound Foolish: Exposing the Dark Side of the Personal Finance Industry” and a co-author of “The Index Card: Why Personal Finance Doesn’t Have to Be Complicated.” She has been a columnist for The Washington Post and Slate, and her work has appeared in numerous other publications, including The New York Times and The Atlantic. She is managing editor of the American Economic Liberties Project.