About
Who writes The Ledger, how we research money topics, and what we deliberately don't do.
The Ledger is an independent publication about personal finance. We write for people who want to understand their money without being sold something.
What we cover
Four areas, because they’re the ones that actually move the needle:
- Investing — index funds, asset allocation, fees, and why most active strategies lose to a boring one
- Saving — budgets that survive contact with real life, emergency funds, sinking funds
- Credit — how scores are built, what changes them, how to clear debt
- Retirement — contribution limits, pension mechanics, and the arithmetic of “enough”
We don’t cover crypto price predictions, get-rich schemes, or anything that requires you to act today.
Who writes this
How we research
Every factual claim in a guide is checked against a primary source before publication:
- Regulators and government bodies — contribution limits, tax rules, consumer protection law
- Provider documentation — fee schedules, terms, rate tables
- Peer-reviewed research — where a claim about behaviour or returns depends on evidence
Where we can’t verify a number, we say so instead of guessing. Where a figure is an estimate, we label it as one.
What we don’t do
We are not licensed financial advisers. Nothing here is personalised advice. We don’t know your income, your debts, your tax situation, or your risk tolerance — and a website can’t know those things.
We don’t accept payment for coverage. No sponsored posts, no affiliate links dressed up as recommendations. If that ever changes, it will be labelled clearly at the top of the page.
Corrections
Money rules change, and so do we. If you spot something out of date or wrong, tell us — see Contact. Substantive corrections are noted at the bottom of the article with the date they were made.
Every article shows both its original publication date and its last update date, so you can judge how current it is.