At Well Kept Wallet, we want to help you make better decisions with your money. Every article is written to answer a real question as clearly and honestly as we can. This page explains who creates our content, how we check it, and how we make money.
Our core values
- Always put the reader first
- Be an honest source of accurate information
- Be transparent
Our mission
To transform lives through personal finance education.
Who writes and reviews our content
Well Kept Wallet was founded in 2010 by Deacon Hayes, who paid off $52,000 of debt in 18 months and later worked as a licensed financial planner. Deacon is our Editor in Chief and sets the standards on this page.
Our articles are written by personal finance writers with first-hand experience in the topics they cover, such as paying off debt, side hustles, budgeting and investing. You can read each writer’s background on their author page and on our Meet Our Team page.
Before an article is published or updated, it is reviewed by Deacon Hayes, who has 16 years of experience in personal finance.
How we use AI
We use AI tools to help with parts of our work, such as outlining articles, drafting first versions and summarizing research. AI never has the final word. A human editor reviews every article for accuracy, checks facts and prices against original sources, and adds our own experience and judgment before anything is published.
We don’t use AI to invent personal stories, test results, quotes or reviews.
How we check facts
- We confirm prices, fees, rates and terms on the company’s own website whenever we can, and we note the date we checked.
- We use government and primary sources (such as the IRS, the CFPB and the FDIC) for rules and regulations.
- We look at customer feedback on sites like Trustpilot and the Better Business Bureau to see how a company treats people, not just what it promises.
- When a number comes from another publication or study, we link to it.
How we review products and services
When we review an app, account or service, our writers sometimes sign up and use it themselves to test it. Our reviews cover:
- What it costs, including fees that are easy to miss
- Who it’s a good fit for, and who should skip it
- What real users say, both good and bad
- Our own screenshots and results when we’ve tested it
Our ratings are based on cost, ease of use, features, customer service and reputation, using metrics like user reviews and our own first-hand experience.
If we couldn’t test something ourselves, we say so in the review.
How we make money, and how that affects coverage
Well Kept Wallet is free to read. We earn money through advertising, sponsored content and affiliate links. When you sign up for a product through one of our links, we may earn a commission at no extra cost to you.
Affiliate partnerships can affect where products appear on a page, but they don’t decide what we say about them. We don’t accept payment for a positive review, and we include products we don’t earn money from when they’re the better choice for readers. You can read more in our Disclosure Policy.
Keeping content up to date
Money products change often. We review our most-read articles at least every 6 months, and we update prices, rates and terms when a company changes them.
Corrections
If we get something wrong, we want to fix it quickly. If you spot an error, email us at info@wellkeptwallet.com with a link to the article and what needs correcting. We’ll review it within 48 hours. When we make a significant correction, we note it at the bottom of the article.
Contact us
Questions about this policy or our content? Reach us through our Contact page or at info@wellkeptwallet.com.