
Emma Patch
Emma is a staff writer for Kiplinger’s Personal Finance. She covers a broad range of topics spanning saving, spending, travel, charitable giving, building wealth and financial products. She frequently writes the magazine’s Basics column and is one of several Millennial and Gen Z writers who pen the Millennial Money column. Emma also has a keen interest in the finances of entrepreneurship and education, including student loans.
During the pandemic, Emma wrote a series of profiles called “Making It Work,” mainly featuring small business owners and other entrepreneurs, about the impact of the pandemic on their work and lives. She now profiles individuals whose work involves notable examples of altruism for the magazine’s “Paying it Forward” feature.
Before joining Kiplinger in 2020, Emma interned for Kiplinger’s Retirement Report, writing and editing retirement-related content. Prior to that, she interned for an investment firm in New York City, supporting brokers, analyzing data and earning her Bloomberg Market Concepts certification.
Emma graduated from Middlebury College with a Bachelor of Arts in Comparative Literature with French literature as her primary focus and Russian literature as her secondary, culminating in a semester of study in Moscow and a thesis on the reception of French Symbolism in Russia. She’s fluent in three languages and is slowly mastering Russian.
While at Middlebury, she served as editor-at-large and features editor for the student newspaper. In the warmer months, she also worked at Middlebury’s organic garden, learning about sustainable agricultural practices and food systems. In winter, she was a part-time ski instructor at the Middlebury Snow Bowl.
Latest articles by Emma Patch
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A Doctor Invests in His CommunityDr. Jorge Cavero runs a clinic for underserved Latino neighborhoods and funds med school scholarships.
By Emma Patch
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The Perks of Filling Out the FAFSAFeature The FAFSA is the most critical document to get financial aid for college.
By Emma Patch
Feature -
Donor-Advised Funds: The Gift That Keeps on GivingFinancial Planning Expert guidance on how this charitable vehicle can make a difference.
By Emma Patch
Financial Planning -
Sharing His Path to SuccessStarting Out: New Grads and Young Professionals This Native American studied tech in the Air Force and landed his dream job. Now he’s giving back.
By Emma Patch
Starting Out: New Grads and Young Professionals -
What to Do With Your Former Employer’s 401(k)Basics Leave it behind, move it to your new job’s plan, or roll it over to an IRA. Each of the options has pros and cons.
By Emma Patch
Basics -
Where Is Travel Insurance Still Required?travel insurance Some destinations require that you have travel insurance. Here’s a rundown on where you’ll need a policy.
By Emma Patch
travel insurance -
Economic Pain at a Food Pantrypersonal finance The manager of this Boston-area nonprofit has had to scramble to find affordable food.
By Emma Patch
personal finance -
The Golden Age of Cinema Enduressmall business About as old as talkies, the Music Box Theater has had to find new ways to attract movie lovers.
By Emma Patch
small business -
HSAs Make Healthcare More AffordableHealthcare Tax-advantaged health savings accounts allow you to save for a broad range of short-term and long-term medical expenses.
By Emma Patch
Healthcare -
In Search of Relief at the Pumpcommodities Even when oil prices decline, gas prices remain high, so it pays to shop around.
By Emma Patch
commodities -
New Services Offer Help Making All-Cash OffersBecoming a Homeowner Some firms help home buyers make all-cash offers on homes. Weigh the fees before you sign on.
By Emma Patch
Becoming a Homeowner -
Pricey Gas Derails This Uber Driversmall business With rising gas prices, one Uber driver struggles to maintain his livelihood.
By Emma Patch
small business -
ABLE Accounts Give Disabled More Financial FreedomFinancial Planning People with disabilities, and their families, can save for a variety of expenses in these tax-advantaged accounts.
By Emma Patch
Financial Planning -
Fair Deals in a Tough Marketsmall business When you live and work in a small town, it’s not all about profit.
By Emma Patch
small business -
Why Everyone Is Talking About NFTsTechnology Non-fungible tokens are unique digital properties that use blockchain technology. Our FAQ will help you understand what all the buzz is about.
By Emma Patch
Technology -
A Store Where They Know Your Namesmall business It can’t compete with big-box retailers on price, but customer service is the draw.
By Emma Patch
small business -
Alpine Skier Takes a Third Run at the Winter OlympicsTravel This downhill racer has been on the U.S. ski team since he was 19.
By Emma Patch
Travel -
What to Expect from the 2022 Summer Travel SeasonTravel Travelers have been dealing with the trials and tribulations of canceled trips and elusive refunds for nearly two years. It will get better this year.
By Emma Patch
Travel -
A Life on the RoadBusiness Travel After working remotely for her corporate job, she quit to make a living pursuing her passions.
By Emma Patch
Business Travel -
What Does Your Credit Score Really Mean?Basics Your score helps lenders assess the likelihood you’ll repay a loan. It can also help you assess your credit health.
By Emma Patch
Basics -
Strategies for Working RemotelyBusiness Travel Globe-trotters should keep in mind that every country has different rules when it comes to working within their borders.
By Emma Patch
Business Travel -
2021 Holiday Tipping Guide: 18 People You Should RememberBasics Service workers deserve special recognition for the help they provide during COVID. That makes holiday tipping all the more important this year.
By Emma Patch
Basics -
Preparing for a New LifeStarting Out: New Grads and Young Professionals While this Afghan refugee waits for resettlement, she is working to bring her family to the U.S.
By Emma Patch
Starting Out: New Grads and Young Professionals -
The Return of Student Loan PaymentsPaying for College A pandemic reprieve on student loan payments ends in January. If you still need financial help, there are steps you can take.
By Emma Patch
Paying for College
