Survey: Nearly one-third of Americans dealing with lower income due to coronavirus outbreak
Half of those same households report having taken on more debt.
7 min read
May 13, 2020
James Royal, Ph.D.
Principal writer, Investing and wealth management
EXPERTISE
- Investing
- Wealth management
- Behavioral finance
- Stock analysis
EDUCATION
- Bachelor of Science in management, University of Florida
- Master of Arts in English, University of Florida
- Doctorate in English, University of Florida
Bankrate principal writer and editor James F. Royal, Ph.D. covers investing, financial markets, wealth management, cryptocurrency and retirement issues such as IRAs, 401(k) plans and Social Security — helping individuals make smart financial decisions that can positively and significantly improve their lives. He’s been at Bankrate since 2019, and has been investing in the markets for more than two decades, starting to invest during the “dotcom” boom and bust.
In particular, James is focused on how to invest well, helping individuals build wealth. His articles focus on the real steps to build wealth as well as the financial moves to avoid, those peddled by people just looking to sell you something. Importantly, he also focuses on behavioral finance — an individual’s attitudes and experiences to money and investing — as a key place that people sabotage their own financial future, such as by approaching investing with fear and greed.
His work has been cited across major media, including CNBC, the Washington Post, The New York Times, CNN International and the Associated Press, and he has appeared on TV and radio in countless media outlets. James is also the author of The Zen of Thrift Conversions and Options Trading 101. He previously worked as an editor and analyst at the Motley Fool.
When he’s not thinking and writing about investing, James enjoys reading, French cinema and playing Jeopardy, having appeared on the TV game show.
James beyond Bankrate
Our goal is to get wiser every day and avoid the mistakes of the past.
— James Royal, Ph.D.
James's latest articles
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Survey: Majority of Americans have cut their spending because of coronavirus concerns
Additionally, most investors intentionally left their investments alone as volatility increased.
3 min read Mar 31, 2020 -
Winners and losers from the Fed’s emergency rate cut
Here’s who stands to benefit the most from plunging interest rates.
5 min read Mar 15, 2020 -
Survey: 43% of Americans think their financial situation will get better in 2020
And these are the reasons why they are optimistic about their finances.
4 min read Jan 16, 2020 -
Survey: More than half of American workers say they are behind in saving for retirement
Everyone wants their golden years to be golden. But saving for them is another thing.
5 min read Nov 21, 2019 -
With commission-free trading nearly everywhere, here’s what investors should demand now
The next battle lines for brokers have been drawn.
7 min read Oct 22, 2019 -
Survey: Less than a third of Americans have increased their retirement savings rate this year
And find out who’s most likely to boost their retirement contributions.
5 min read Aug 21, 2019
