Financial education should be useful, transparent, and easy to verify.
Money decisions deserve more than a headline and a few numbers.
The Rich Guy Math is an independent financial education website built to make personal finance easier to understand through explanations, calculations, examples, and practical financial tools.
We cover topics such as budgeting, saving, credit, debt, investing, financial planning, and wealth building.
Our goal is not to tell you what financial decision to make.
Our goal is to help you understand the numbers, concepts, assumptions, and trade-offs behind the decision.
That’s why we believe readers should be able to see:
- who creates our content
- how we research financial information
- which sources we rely on
- how we handle corrections
- when and why articles are updated
- how the website makes money
- how we use AI and other tools
- what our content can—and cannot—do for you
This page brings those standards together.
Who We Are
The Rich Guy Math is an independent financial education publication created to make financial concepts easier to understand.
Our philosophy is simple:
Financial education through numbers.
Instead of simply telling readers what something means, we try to show how it works.
That can mean explaining a formula, walking through an example, comparing two financial choices, or building a calculator that allows readers to test different assumptions themselves.
How We Research
We begin with the financial question, identify the facts that matter, and seek reliable sources appropriate to the subject.
For topics involving government rules, regulations, taxes, consumer protections, investment information, or current economic data, we prioritize primary and authoritative sources when available.
Our general process is:
1. Research
We identify the question and gather relevant information.
2. Verify
We check important definitions, numbers, dates, formulas, assumptions, and source material.
3. Explain
We turn complicated financial information into clear, practical explanations.
4. Calculate
When mathematics is involved, we check the underlying assumptions and calculations.
5. Update
When material information changes, we review and update affected content when appropriate.
Why We Exist
Financial information is often technically correct but difficult to understand.
A person may know that compound interest exists but still not understand how much time affects the result.
Someone may know their credit-card APR but not understand how that APR affects the cost of carrying a balance.
Someone may know their assets and debts but never calculate their net worth.
That’s the gap TRGM is designed to address.
We believe financial education should help people move from:
Information → Understanding → Better questions → Better decisions
The CFPB’s research on financial education similarly emphasizes helping consumers bridge the gap between knowledge, intentions, and financial action.
Sources We Use
Depending on the subject, TRGM may consult authoritative sources including:
- U.S. Securities and Exchange Commission / Investor.gov SEC / Investor.gov
- Consumer Financial Protection Bureau CFPB
- Federal Reserve Federal Reserve
- Federal Deposit Insurance Corporation FDIC
- Internal Revenue Service IRS
- FINRA
- Bureau of Labor Statistics
- Other relevant government agencies, regulators, and primary sources
These organizations are sources of information for our research.
They do not sponsor, certify, approve, or endorse The Rich Guy Math unless we explicitly state a verifiable relationship.
For investing topics, Investor.gov provides investor education and tools through the SEC’s Office of Investor Education and Advocacy.
For consumer-finance education, the CFPB provides resources covering areas including credit, debt, mortgages, savings, money management, and financial well-being.
Who Creates TRGM Content?
Max Fonji
Founder & Financial Education Writer
[REAL PHOTO]
I created The Rich Guy Math to make financial concepts easier to understand by focusing on the numbers behind them.
My role includes overseeing the site’s editorial direction, financial education content, calculators, publishing standards, and ongoing improvement of the website.
I believe financial information is more useful when readers can understand not only what something means, but also why the numbers work the way they do.
Read the full author profile →
How We Use AI and Other Tools
Technology can make research and publishing more efficient, but it does not remove editorial responsibility.
TRGM may use AI-assisted or other software tools for activities such as:
- brainstorming
- outlining
- research organization
- editing
- formatting
- summarization
- drafting assistance
The use of these tools varies by project.
We do not treat AI-generated output as automatically accurate.
Financial claims, calculations, definitions, and other important information should be reviewed before publication.
Our objective is to use technology to help create better financial education, not simply to produce more pages.
Google’s current guidance distinguishes between using AI as a production aid and using automation to generate large amounts of low-value content primarily to manipulate Search.
Editorial Independence
TRGM may earn revenue through advertising, affiliate relationships, partnerships, or other commercial arrangements.
Those relationships are part of operating a free financial education website.
Where a commercial relationship is relevant to a recommendation or endorsement, we aim to disclose it clearly.
Commercial relationships should never be presented as independent editorial recommendations without appropriate disclosure.
The FTC specifically advises affiliate publishers to disclose material financial relationships clearly and conspicuously, with disclosures placed close enough to the recommendation or link that readers can understand the relationship.
Corrections
No publication is immune from mistakes.
If we discover an incorrect calculation, outdated information, factual error, broken source, or materially misleading explanation, we aim to correct it within a reasonable period.
Read our Corrections Policy →
Updates
An updated date should represent a meaningful change.
We may update an article when:
- important facts change
- calculations need correction
- a source becomes outdated
- new authoritative information becomes available
- an explanation needs substantial improvement
- a financial tool or assumption changes
We do not change publication dates simply to make older content appear new.
Financial Education, Not Personalized Advice
TRGM provides general financial education.
Our content cannot account for your complete financial circumstances, including your income, expenses, taxes, debt, risk tolerance, goals, legal circumstances, or other personal factors.
Our articles and calculators are not substitutes for individualized financial, investment, tax, accounting, or legal advice.
Read our Financial Disclaimer →
Found Something We Should Correct?
If you believe we have published inaccurate, outdated, or misleading information, please let us know.
Contact: [Info@therichguymath.com]
Our Commitment
We don’t expect readers to trust TRGM simply because we say we’re trustworthy.
We want the site to demonstrate that trust through:
Clear authorship.
Transparent research.
Relevant sources.
Visible disclosures.
Useful calculations.
Honest corrections.
Clear limitations.
The Rich Guy Math isn’t just about the numbers. It’s about helping you understand what the numbers mean.
Last updated: [August 30 2026]