Max Fonji

Founder & Personal Finance Writer at TheRichGuyMath

I’m Max Fonji, the founder and primary writer behind TheRichGuyMath.

I created TheRichGuyMath to make personal finance easier to understand by explaining the concepts, calculations, and trade-offs behind everyday money decisions.

My focus is not on using complicated financial language. It’s on taking a financial question, breaking it down, researching the underlying information, and explaining it in a way that an ordinary person can understand.

What I Write About

My primary areas of focus include:

• Credit and credit cards
• Budgeting and saving
• Debt
• Banking
• Investing
• Financial planning
• Passive income
• Personal-finance calculations and tools

My Approach to Financial Education

I believe people make better financial decisions when they understand the reasoning behind the numbers.

That’s why TheRichGuyMath focuses heavily on:

Research — Finding reliable information from authoritative sources.

Explanation — Translating financial terminology into plain English.

Calculations — Showing how financial numbers are derived.

Examples — Demonstrating concepts using realistic scenarios.

Tools — Building calculators and other resources that allow readers to apply concepts to their own numbers.

Limitations — Explaining what a calculation or piece of information can and cannot tell you.

How I Research

For financial topics, I prioritize authoritative sources and primary information whenever practical.

Depending on the subject, research may include government agencies, regulatory organizations, official financial documents, publicly available datasets, and reputable financial publications.

Important calculations are checked using the underlying formulas and assumptions.

Where information is subject to change, such as tax rules, regulations, rates, or financial limits, the article should identify the relevant date and be reviewed when material information changes.

What I Don’t Claim

I do not represent myself as a CFP®, CFA®, CPA, attorney, investment adviser, or other credentialed professional unless a specific credential is accurately listed here.

TheRichGuyMath is an independent financial education website.

The purpose of this site is to educate readers about financial concepts and calculations, not to provide individualized financial advice.

Why I Built TheRichGuyMath

Money affects almost every part of life, yet many financial concepts are taught using terminology that can make them unnecessarily difficult to understand.

TheRichGuyMath was created around a simple idea:

If you understand the numbers, you can better understand the decision.

That idea guides the way I approach financial education.

Areas of Focus

Credit: Understanding credit scores, credit reports, utilization, credit cards, interest, and other credit concepts.

Budgeting & Saving: Understanding cash flow, spending, savings goals, emergency funds, and financial organization.

Debt: Understanding interest, payments, payoff strategies, and the mathematics of borrowing.

Investing: Explaining investing concepts, risk, returns, diversification, compounding, and long-term wealth building.

Financial Planning: Breaking larger financial decisions into understandable components.

Financial Tools: Building calculators and practical resources that help readers work with their own numbers.

Transparency

The information published on TheRichGuyMath is intended to be understandable and verifiable.

Where appropriate, articles identify sources, calculations, assumptions, and limitations so readers can evaluate the information for themselves.

If you notice a factual or mathematical error, please contact us so it can be reviewed.

Contact: info@therichguymath.com