Editorial Standards
Last updated: August 2026
My Financials Club is committed to providing accurate, honest, and genuinely helpful personal finance content for beginners. This page explains how we create, review, and maintain content on this site.
Who Creates Our Content
All content on My Financials Club is written by Rasmus Bach Hovgaard, a self-taught personal finance writer and investor. Rasmus has hands-on experience building an emergency fund from scratch, rebuilding his credit score, and actively investing in index funds and a Roth IRA. He personally tests the apps and tools he recommends before writing about them.
Rasmus is not a licensed financial advisor, CPA, or certified financial planner. All content on this site is for educational and informational purposes only. Readers are encouraged to consult a qualified financial professional before making significant financial decisions.
How We Research Articles
Every article on My Financials Club is researched using the following process:
- Primary research: We personally test apps, open accounts, and verify fees and rates directly from the product’s official website before publishing.
- Multiple sources: We cross-reference information using official product documentation, regulatory filings (FDIC, SEC), and reputable financial publications.
- Accuracy verification: Rates, fees, account minimums, and bonus offers are verified at the time of writing and updated regularly. All time-sensitive figures include the date they were last confirmed.
- Audience focus: Content is written specifically for beginners — we avoid jargon, explain terms clearly, and focus on practical, actionable steps.
Affiliate Relationships & Compensation
My Financials Club participates in affiliate marketing programs. This means we may earn a commission when readers sign up for products or services through links on this site, at no additional cost to you.
Our editorial policy: Affiliate relationships do not influence our rankings, recommendations, or editorial content. We only recommend products we have personally evaluated and believe provide genuine value to our readers. Products are evaluated on their actual merits — fees, features, ease of use, and suitability for beginners — not on commission rates.
All articles containing affiliate links include a clear disclosure at the top of the article. For more details, see our full Affiliate Disclosure.
How We Keep Content Up to Date
Personal finance information changes frequently — interest rates move, bonus offers expire, and apps update their features. We maintain our content as follows:
- Articles are reviewed and updated whenever rates, fees, or product features change significantly.
- All articles display a “Last Updated” date so readers know how current the information is.
- Reader corrections and feedback are welcomed and investigated promptly. If you spot an error, please contact us.
Corrections Policy
We take accuracy seriously. If we publish incorrect information, we will correct it promptly and transparently. Significant corrections are noted at the top of the affected article with a brief explanation of what changed and why.
To report a factual error, please contact us with the article URL and the specific information you believe is incorrect.
Content We Don’t Publish
- Guarantees of financial returns or “risk-free” investment strategies
- Content that makes specific investment recommendations for individual situations
- Sponsored content disguised as independent editorial content
- Unverified claims or statistics without credible sourcing
Questions about our editorial process? Get in touch.