Editorial Process

Who writes the posts

Every post on this site is written and reviewed by Tapabrata Biswas, a Project Manager who learned personal finance through a decade of family financial recovery rather than through formal financial credentials. The full background is on the About page.

How sources are selected

Every post cites at least two authoritative sources at the bottom under a Sources section. Sources are restricted to a small set of organisations that publish first-party data or formal definitions:

• U.S. government agencies — Consumer Financial Protection Bureau, Internal Revenue Service, U.S. Securities and Exchange Commission, Federal Reserve, Bureau of Labor Statistics
• Established financial-education references — Investopedia, NerdWallet
• Peer-reviewed academic finance research where a topic warrants it

Citations link directly to the source page so you can verify any number, definition, or claim independently. Where two sources disagree, both are cited and the disagreement is noted in the post.

How AI fits in

AI is used for research support and first-draft writing. It helps surface relevant data, suggest structure, and produce a draft quickly enough that I can spend more time on the things AI is actually bad at — fact-checking, lived-experience framing, and editing for plain-English clarity.

Every post is then reviewed line by line before publication. I verify each statistic against its cited source, rewrite anything that reads as generic or hedge-heavy, and cut any sentence that could appear unchanged on a competitor site. Posts that don’t survive that review don’t get published.

Update policy

Every post is reviewed at least every six months. When data changes (interest rate environments, tax thresholds, IRS contribution limits), the affected posts are updated and the Last updateddate at the top of the post advances. Minor edits don’t bump the date; substantive changes do.

Corrections

If you find a factual error, an outdated statistic, or a broken source link, please email hello@themoneydecoded.com with the post URL and the correction. Verified corrections are applied within 48 hours and noted at the bottom of the affected post. We’d rather publish a correction than carry a wrong number.

What this site does not do

We don’t recommend specific products, accounts, brokerages, or investments. We don’t accept paid placement or sponsored posts. We don’t republish syndicated content from other publishers. Every post is original to this site, written for beginners who want to understand the underlying mechanics rather than to be told what to buy.