About The Penny Plan
The Penny Plan exists to answer everyday money questions in plain English. Personal finance is buried in jargon, sales pitches, and fine print - and most people just want a straight answer to a normal question like “how big should my emergency fund be?” That’s what we write.
What we do
We publish guides to everyday money questions and calculators for comparing assumptions. The aim is to explain a mechanism, give you something you can check or use, and make clear where an answer depends on your own circumstances.
Who writes this
The Penny Plan is owned and edited by Eli Wright - the byline on every guide, and the person editorially responsible for what’s published here. Eli is not a financial adviser, and this site never gives personalized advice. Drafting and editing use AI assistance; ownership of a page does not mean it has been independently reviewed by a financial professional. Individual guides list their sources, and the Editorial Policy explains the standards for checking them.
How to check our work
We would rather be checkable than trusted on faith, so the details are written down rather than implied:
- Editorial Policy - how articles are researched, reviewed, and corrected, what we refuse to publish, and exactly where AI tooling is used and where human responsibility sits.
- Methodology and Data Sources - how static references, illustrative examples, and browser calculators are used, including their assumptions and limits.
- Eli Wright - who is responsible for what is published here.
- Sources - the running reference list of primary sources.
Our editorial standards
- Start from a useful question. A guide should help with a specific decision or explain a mechanism beyond a definition.
- Support the claim itself. A citation should support the rule or figure beside it. A general agency link is not evidence that every statement on a page has been verified.
- Explain, don’t advise. We describe how something works in general so you can reason about your own situation - we never tell you what to buy or do.
- Make corrections checkable. Readers can flag errors via the Contact page. Corrections should identify the affected claim and source; an updated timestamp alone is not proof of a full review.
What we don’t do
We don’t sell financial products, and we don’t give personalized advice. Everything here is general education. Your situation is your own, and for decisions that carry real weight, a qualified professional who knows your full picture is worth far more than any article. See our Disclaimer.
Contact
Questions or corrections? Reach us on the Contact page.