AM on a Sunday. I opened Excel before brewing my coffee. On the screen were 50 rows of time stamps: clock-ins, clock-outs, and breaks. It was a typical timesheet, just 10 days of data for 5 people.

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Vikki Velasquez is a researcher and writer ...