Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not ...

Imagine you're watching a movie, in which a character puts a chocolate bar in a box, closes the box and leaves the room. Another person, also in the room, moves the bar from a box to a desk drawer.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not ...