Eli Wright

Eli Wright is the owner and editor of The Penny Plan. Every guide on this site is published under his editorial responsibility.

Eli is not a financial adviser, accountant, or attorney, and nothing on this site is personalized financial advice. The Penny Plan exists to do one thing: explain how everyday money topics work — in plain English, from primary sources — so readers can reason about their own situations and know what questions to bring to a qualified professional.

How articles are researched

• Guides start from real questions people ask, phrased the way they ask them.
• Claims about taxes, credit, banking, insurance, and benefits are checked against the published guidance of the agencies that set the rules — the CFPB, IRS, SEC, FINRA, FDIC, Federal Reserve, and Department of Labor, among others. The reference list lives on the Sources page, and individual guides cite their primary sources in a “Sources & further reading” section as they are reviewed.
• Articles avoid quoting rates, limits, and thresholds that go stale; they explain the mechanism and point to the official source for today’s number.
• Drafting and editing make use of modern writing tools; every page is published under human editorial responsibility, and the standards above apply regardless of how a draft was produced.

Corrections and updates

If something on this site is wrong or out of date, that’s a bug worth fixing. Report it through the Contact page — corrections are verified against primary sources and fixed on the page itself. Guides display a “reviewed” date as they go through re-review.

What this site will never do

No stock picks. No “guaranteed” returns. No get-rich-quick framing. No pretending general information is personal advice. For decisions that carry real weight, a qualified professional who knows your full picture beats any article — including ours. See the full Disclaimer.