Editorial standards
SpendySaver Learn exists to explain everyday money clearly and accurately. These are the rules every guide follows.
Sources first
Every number, limit, rate, deadline and research finding in a guide links to where it came from. We use official and original sources wherever they exist: government agencies such as the IRS, CFPB, FTC, FDIC, Social Security Administration and Federal Student Aid; a company's own policy page for that company's policy; and the original publication for research. Each guide lists its sources with the date we accessed them. If we can't verify a figure, we leave it out.
No invented details
We don't publish made-up statistics, quotes, testimonials or case studies. Examples are labelled as hypothetical, use round numbers, and show the arithmetic.
Dates and updates
Every guide shows when it was last updated. Figures that change every year, such as contribution limits and mileage rates, are rechecked when the new values are announced.
Who writes and checks the guides
Guides are written by the SpendySaver Editorial Team. Drafts may be prepared with the help of AI tools; every guide is then checked claim by claim against the sources it cites before it is published. Where a guide has also been reviewed by a credentialed professional (for example a CFP® professional or CPA), the reviewer's name, credential and review date appear at the top of the guide.
Education, not advice
Guides explain how things work and what to weigh. They aren't personal financial, tax or legal advice. When a decision depends on your situation, we say so and suggest the kind of professional to ask.
Independence from how we make money
SpendySaver earns money from optional Plus subscriptions, bill-negotiation fees and some partner links (see the advertiser disclosure). Partners don't pay for, review or approve guides, and guides don't recommend specific financial products. Links inside guides go to the sources, not to partners.
Corrections
If you find an error, email [email protected]. We check every report, fix confirmed errors promptly, and update the guide's date.