Holly Johnson is an award-winning personal finance writer who focuses on credit cards and credit, early retirement and travel. Johnson blogs at <a href="https://clubthrifty.com/">ClubThrifty.com</a> and is also the co-author of <a href="https://amazon.com/Zero-Down-Your-Debt-Reclaim/dp/1633534790">Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love</a>, which is available on Amazon.com.