About Nazib Finance

Nazib Finance is an independent personal finance blog. Every article on this site is written and edited by one person — me, Nazib Sayed — and published under my own name. There is no ghostwriting team, no AI-first content pipeline, and no undisclosed sponsorships.

Why I built this

A few years ago I started keeping a running document for friends and family who kept asking me the same money questions: how much to save before investing, whether a Roth IRA was worth it on a lower salary, what actually moves a credit score, why their "high-interest" savings account only paid 0.4%. I would dig through IRS publications, Federal Reserve data, CFPB filings, and academic studies to give them a straight answer without the sales pitch that usually surrounds this topic.

Nazib Finance is that document, turned into a website. The goal is to publish the plainest, most honest explanations I can write — the kind I would want a friend to read before making a real money decision.

What I am, and what I am not

I am a writer and a researcher. I have spent years reading primary source material on personal finance, and I do the same reading for every article published here. I am not a Certified Financial Planner (CFP), a CPA, or a licensed investment advisor. Nothing on this site is personalised financial advice for your specific situation — for that, please work with a licensed professional.

How Nazib Finance makes money

This site is supported by display advertising (Google AdSense) once approved, and may in the future include clearly disclosed affiliate links. Advertising and affiliate relationships never influence what I write about or the conclusions I reach. If an article contains an affiliate link, there will be a visible disclosure at the top of the article and in the site footer.

Editorial standards

Every article follows the same process:

• Written from scratch by me — no spinning, scraping, or AI-first drafts.
• Sourced primarily from official sources (SEC, IRS, Federal Reserve, CFPB) and peer-reviewed research where relevant.
• Reviewed for accuracy before publishing and re-reviewed periodically as laws, rates, and best practices change.
• Marked with a publish date and, where meaningful, a last-reviewed date.

The full policy — including how I handle corrections, sourcing, and disclosures — is in the editorial policy. If you spot an error or want to reach out, the contact page has the details.