Editorial Policy

Our purpose

FinSavvy Daily exists to help ordinary households make better decisions about money. We are not a news site, a stock-tip service, or a sponsored-content platform pretending to be journalism. Every article on this site is written to answer a real question that real people ask, with the goal of being useful enough that the reader doesn't need to keep searching.

Who writes for us

Every article is written or reviewed by a named contributor with first-hand experience in the topic area — people who have actually budgeted on a real income, paid off real debt, opened real accounts, and learned the material the practical way. Author bios on this site list real names and honest backgrounds. We do not publish articles authored by anonymous freelancers, content mills, or pseudonymous profiles, and we are clear that we are a personal-finance education site, not a licensed advisory firm.

A list of our writers, with full bios and the topics they cover, is available on our authors page.

Our editorial process

Every article passes through the following stages before publication:

1. Topic selection.We choose topics based on real reader questions, common search queries, and gaps in the existing coverage we've seen elsewhere. We do not accept topic assignments from advertisers.
2. Research.Writers gather primary sources — government data, peer-reviewed studies, industry research, regulatory filings, and direct interviews where appropriate. Secondary sources are used for context but never as the primary basis for a claim.
3. Drafting.The writer produces a draft that includes specific numbers, named sources, and real-world examples. Vague claims (“experts say,” “some studies show”) are flagged and either supported with citations or rewritten.
4. Editorial review.An editor reviews the draft for accuracy, clarity, sourcing, and adherence to this policy. Articles that don't meet our standards are sent back for revision, not published.
5. Fact-check. Every numerical claim, attributed quote, and cited source is independently verified before publication.
6. Final read. A second editor reads the piece end-to-end before it goes live.

Sources we trust

For factual claims, we prefer primary sources, in this order of priority:

• U.S. government data (Federal Reserve, Bureau of Labor Statistics, Treasury, IRS, CFPB, FTC, SEC)
• Peer-reviewed academic research
• Reports from established research organizations (Pew Research, NBER, Brookings, Federal Reserve Banks)
• Direct statements from regulated institutions (banks, brokerages, insurers) when sourcing their own data
• Documented industry research from S&P Dow Jones Indices, Morningstar, Vanguard, and similar

We avoid using forum posts, social media, marketing material, and other unverified sources as the basis for factual claims.

How we handle opinions

Some of our articles contain professional opinions — views about which approach is better, which products tend to be worth using, or which advice is overrated. We mark these clearly (with phrases like “in my experience,” “I'd argue,” or “the case I find more persuasive”) and try to present the opposing view fairly. We do not present opinions as if they were facts.

Conflicts of interest

Our writers are required to disclose any financial relationship they have with a company, product, or institution mentioned in an article. The site's editorial decisions are not influenced by advertisers, and our editorial team has no financial relationship with the products we review. Our policy on advertising revenue and how we keep it separate from editorial coverage is on our How We Make Money page.

Updates and corrections

Personal-finance information changes — tax laws, interest rates, contribution limits, and the products available to consumers all shift over time. We aim to update major articles at least once a year, and to fix errors as soon as we find them.

When we make a substantive correction to an article after publication, we add a dated correction note at the top of the article describing what was changed and why. We do not silently rewrite published articles to erase mistakes.

If you find a factual error in any article, please tell us through our contact page. We take corrections seriously.

What we will not publish

• Sponsored content disguised as editorial content
• Articles about specific stocks, cryptocurrencies, or speculative investments framed as advice to buy
• Get-rich-quick claims, MLM promotions, or affiliate-driven product hype
• Tax or legal advice for specific situations — these require a licensed professional, and we say so
• Articles produced by AI without substantive human research, writing, and editorial review

Limits of our advice

The articles on this site are general financial education, not personalized advice for your specific situation. Money decisions depend on your full financial picture, tax situation, risk tolerance, and goals — none of which we know. For decisions that materially affect your life, please consult a fee-only fiduciary financial planner, a CPA, or an attorney as appropriate. Our full disclaimer explains this in more detail.

Contact

Questions about our editorial process, suggestions for topics, or corrections can be sent through our contact page. We read every message.