Lance Cothern

Lance Cothern

Personal Finance, Debt, Loans, Credit, Credit Cards
Contributing Writer
James Madison University


A well-respected personal finance and credit expert, Lance has been published on a number of websites including U.S. News & World Report, Business Insider, Forbes, and Investopedia. He became a Certified Public Accountant (CPA) in 2010 and currently holds a CPA license in Indiana. He has appeared on the Stacking Benjamins podcast multiple times, has been quoted on CNBC articles, and was a featured personal finance expert on Top10’s panel about managing money during chaotic times.

He earned a Bachelor of Business Administration degree with a focus in accounting from James Madison University.

Lance has written for The Balance since November 2020.


Lance started his career in public and corporate accounting before transitioning to freelance writing. After building an online presence through his personal finance website,, he started his own freelance writing and online publishing business. Today, Lance writes for many well-known personal finance websites including Credit Karma, FinanceBuzz, MyBankTracker, and more.

He loves helping others learn how to improve and optimize their finances so they can better live their ideal lifestyle.