Who writes what you read here, how a topic earns a page, how the numbers are checked, and what happens when something turns out to be wrong.
Who writes the articles
Articles are published under the byline Everything Capital Editorial, the named team responsible for them. That team is small, and the site is run by the same people who build the product. You can see who is behind it on the author page.
We use AI tools in the drafting process — for outlining, restructuring, and tightening prose. We say so because a reader is entitled to know how a page was made, and because hiding it would be worse than the disclosure. AI is not the author of record: every article is assigned, reviewed, edited, and published by a person who is accountable for what it says, and no article is published straight from a model without that review.
How topics are chosen
Topics come from three places: questions users actually ask in support, decisions that repeatedly go wrong in the data people track (overlapping transfers counted as income, subscriptions quietly renewing, debt paid in the wrong order), and rules that change often enough to be worth explaining. A topic earns a page only if we can answer a reader's real question in it. We do not publish pages to target a keyword, and we do not publish a page for a topic we cannot say anything useful about.
How figures are checked
Numbers are sourced from primary material wherever one exists — IRS publications and annual revenue procedures for tax figures, CFPB and bureau guidance for credit, plan documents and fund disclosures for investment specifics — and the rate or threshold is confirmed against the current year before publication. Worked examples are calculated by hand a second time before they go in, and the arithmetic is kept simple enough that a reader can reproduce it. Where a figure is an estimate, an assumption, or an illustration, the text says so rather than rounding it into a fact.
Updates and corrections
Tax thresholds, contribution limits, and rates change, so articles that depend on them are reviewed each year and the publication date is updated when the substance changes. If we find a material error we correct the page and note what changed rather than quietly editing it. If you spot something wrong, email luke@everythingcapital.com with the URL and the sentence; corrections are read before anything else in that inbox.