Editorial Policy

Money writing should be easy to check and honest about its limits. This page explains how every lesson on nidhi is built, sourced, checked and corrected, how AI tools are used along the way, and where the line sits between education and advice.

How a lesson is built

Each lesson starts from a question a real person would ask and works through it with actual numbers. Many readers are new to money, and a confident sentence can read like an instruction, so lessons explain rather than tell you what to do. Every idea, rule of thumb or common practice goes through the same five steps:

  1. The idea, in plain words, with jargon defined the first time it appears.
  2. Why people use it: the problem it solves and why it caught on.
  3. The evidence, cited, with its limits: which country's data, which years, and what it leaves out.
  4. Where it breaks: the situations it was not built for.
  5. What depends on you: country, how steady your income is, how long you have, debts and tax.

A rule of thumb is a starting point, not an answer, so lessons describe what many people do and avoid "always" and "never" unless the evidence can carry them. Before a lesson is published, it is read back for two things: whether its claims are supported, and whether a beginner would follow it without a glossary. If one slips through, see Corrections below.

Written for any country

The lessons are written for readers anywhere, not for one country. The ideas they teach, such as net worth, diversification or how inflation shrinks savings, work the same way everywhere. The rules around those ideas do not: tax, retirement and tax-advantaged accounts, state pensions and benefits, credit scoring, deposit protection and consumer law differ from country to country, and sometimes within one. Lessons explain the general idea on purpose. Where one depends on rules like these, it says so, and a "Where to check locally" note after the lesson names the usual places to check them where you live, such as your tax authority, your financial regulator or a qualified local adviser. Examples are often in euros; that is a choice of currency, not a sign that a rule is European. Where evidence comes from one country's data, such as US stock market history, the lesson says that too, along with what it may not tell you about other markets.

Sources and figures

Claims rest on primary and reputable secondary sources: established books, recognised reference material and public data. Where a lesson draws on specific sources, they are listed on the lesson itself under "referential reading," so you can follow the trail rather than take our word for it. Every figure comes with where it is from and what it covers, and the same figure agrees across lessons. Worked examples use realistic numbers, and where a number is illustrative rather than a forecast, the lesson says so. Exchange rates in the free tools are reference rates from central banks and other official sources, dated on screen.

How AI is used

nidhi uses AI tools, including Anthropic's Claude and other AI agents, in its work. They help research, draft and edit lessons; check lessons against this page; question the financial reasoning in a lesson or a tool from the point of view of an experienced adviser; and build the site and its free tools. Separate AI agents are set against each other's work on purpose, to catch what one of them misses.

AI output is a draft, never a source. A person is involved at every stage, and reads and approves every lesson before it is published. An AI model asked to think like a financial adviser is a check on reasoning, not advice from a licensed professional. The site itself sends nothing you type or do to an AI service; what we collect is described in the privacy notice.

Education, not advice

nidhi is not a licensed financial adviser, and nothing on the site is personal financial, investment or tax advice. Lessons do not recommend specific products, funds or securities. Past performance of any investment is not indicative of future results. For decisions that depend on your tax residency, legal situation or risk tolerance, a qualified professional can apply these ideas to your circumstances.

Corrections

If something is wrong, we want to fix it. Spot an error, an out-of-date figure or a claim that no longer holds, and email hello@nidhi.today. Substantive corrections are made in the lesson and reflected in its "last updated" date, so the change is visible rather than quietly swapped in. Minor fixes such as typos are made without a date change.

Who is behind this

For who writes nidhi and the experience behind the writing, see the about page. For the worldview that shapes what I choose to build and publish, read my beliefs.