Fi-Time is an independent online journal about personal finance, written for readers in the United States. We are not a bank, a broker, an insurer or an affiliate marketplace dressed up as a magazine. We publish explanatory journalism about the products people already own: checking accounts, savings, credit cards, retirement plans, index funds, stablecoins and the policy decisions that move all of them.

Our editorial position

We start from the assumption that most financial confusion is structural, not personal. Fee schedules are long, disclosures are written for regulators, and marketing language rewards vagueness. Our job is to describe the mechanism plainly — what triggers a charge, who collects it, what the number actually means — and to leave the decision with the reader.

  • We describe how products work; we do not tell individuals what to buy.
  • We avoid predictions about prices, rates or markets.
  • We prefer primary sources: disclosures, filings, rulemakings and published statistics.
  • We use illustrative numbers when we model something, and we label them as such.

How we work

Each article is scoped around one question a reader can actually act on. Drafts are checked against source documents, figures are recalculated independently, and any modelled example states its assumptions inside the piece. When rules or rates change materially, we update the article rather than quietly leaving it stale.

Corrections are part of the process, not an embarrassment. If we get something wrong, write to corrections@fi-time.com with the article URL and the specific claim, and we will review it.

How we make money

Fi-Time is funded by display advertising and clearly labelled sponsorships. Advertisers have no input into story selection, framing or conclusions, and no article is written, edited or withdrawn at an advertiser's request. Where we mention a company, that mention is editorial.

What we are not

Nothing on this site is financial, tax, legal or investment advice, and nothing here creates an advisory relationship. Products described may be unavailable to you, priced differently, or governed by state-specific rules. For decisions that depend on your own circumstances, consult a licensed professional.