Rachel Christian

Bankrate writer Rachel Christian is a long-time journalist with a history of reporting on personal finance and business. She writes about investing at Bankrate and has written extensively about investing for beginners, cryptocurrency, retirement, Social Security and Medicare.

In particular, Rachel brings deep expertise to annuities. As a former writer at Annuity.org, she’s spent years studying these complex products and approaches them with a level of nuance unique among financial journalists. Her coverage is rooted in research, transparency and balanced reporting, cutting through industry bias to give readers a clear-eyed view of when annuities make sense — and when they don’t. Drawing on insights from industry experts and financial professionals, she helps individuals understand the real value and risks of annuities.

Rachel is passionate about making personal finance accessible for everyone by providing accurate information that breaks down complex topics for readers. She has been a Certified Educator in Personal Finance (CEPF) with FinCert, a division of the Institute for Financial Literacy, since 2021.

Her work has been featured in publications across the country, including Business Insider, the Tampa Bay Times, Yahoo Finance, Evansville Business and the Orlando Business Journal. She previously worked as a senior writer at The Penny Hoarder.

Outside of work, Rachel enjoys watching documentaries, attending concerts and discovering new music.