Welcome to Ask Lacey, an advice column in which accredited financial counselor and MilMo founder Lacey Langford answers your pressing financial questions. Have a question for Lacey? Submit it here.

In the early 2000s, dental clinician and stem cell researcher Songtao Shi’s six-year-old daughter lost her first tooth. Curious, Shi, then at the University of Pennsylvania, took a closer look at its ...

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