LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in national publications, and her work has been cited in several books.

November 24, 2025 • Our annual reading guide returns with 380+ new titles handpicked by NPR staff and trusted critics. Find 13 years of recommendations all in one place — that's more than 4,000 great ...