Editorial Policy

Last reviewed: July 2026. ShouldISpend is regularly reviewed for calculation accuracy, clear assumptions, visible ownership, working links, and uncommon financial scenarios.

What ShouldISpend Publishes

ShouldISpend publishes calculators, explainers, and decision guides about household spending, savings, debt pressure, emergency funds, rent, cars, travel, weddings, medical bills, college costs, baby costs, funeral costs, groceries, and similar financial decisions.

How Calculator Logic Is Created

Calculator logic is built around practical pressure factors: cost, take-home income, savings, debt, monthly breathing room, outside help, financing risk, emergency reserves, and whether a decision could create avoidable financial strain.

Review and Updates

Pages are reviewed for clarity, edge-case behavior, calculation errors, outdated assumptions, and whether the result explains the decision in plain language. ShouldISpend prioritizes fixes when a calculator gives a misleading result for high savings, unusually low income, high-interest debt, outside help, unstable income, or other important edge cases.

Sources and Assumptions

ShouldISpend calculators use transparent assumptions and plain-language methodology notes. When a page relies on outside figures or general financial rules, the page should explain how those figures are used and where the calculator's judgment begins.

Corrections

If an error is found, the goal is to correct it quickly and make the calculator more useful. Readers can report unclear wording, calculation issues, or broken pages through the contact page.

Author

ShouldISpend is created and edited by Dustin Baker. The site reflects practical consumer decision-making and educational planning, not individualized financial, tax, legal, medical, or investment advice.

Related Policies

Readers may also review the About page, Methodology, Disclaimer, Terms, and Privacy Policy.

Contact

To report an issue or ask about a page, visit the contact page.