About CshFlow
Personal finance is a serious topic. Here is who writes it, what we stand behind, and how to push back when we get something wrong.
Who writes here
What backs the writing
Adam spent years building cash flow forecasting models in corporate finance — the kind of spreadsheets where you defend every assumption to a CFO. CshFlow is what happened when he pointed that same discipline at his own checking account and realised the tooling for individuals was either nonexistent or built around guilt-driven budgets that nobody actually keeps.
That background — corporate finance practitioner who built a consumer finance product — is the angle. We're not licensed financial planners, fee-only advisors, or CFAs. What we are is practitioners who think about cash flow forecasting full-time and ship a working product against it every day.
How we research
- Primary sources first. When we cite a stat or rule (CRA quarterly tax dates, IRS estimated tax thresholds, BLS employment data), we link to the government or institutional source directly — not a secondhand summary.
- Practitioner experience second.Where the source is "this is how CshFlow customers actually behave," we say so plainly instead of dressing it up as independent research.
- No affiliate-driven content. If we recommend a product, it is because it is genuinely useful — we do not currently run an affiliate program, and any future affiliate relationships will be disclosed at the top of the relevant post.
- No AI ghost-written posts. AI tools may help with research and editing, but every published post is written, edited, and signed off by Adam.
Editorial standards
- Accuracy.We aim to be factually correct on first publish. When we are wrong, we update the post and add a visible "Last updated" date in the body — we do not silently rewrite history.
- Plain language. If we use jargon, we define it. If we cannot define it in one sentence, we probably should not be using it.
- No fear-driven framing. Personal finance content thrives on shame, panic, and FOMO. We try not to do that. If we ever do, it is a mistake — call it out.
- We update old posts when reality changes. Tax thresholds move, products change, the world shifts. When a post no longer reflects current reality, we revise it and surface the new date.
Not financial advice
Everything on this blog is general information from a software founder who happens to think hard about cash flow. It is not personalised financial, tax, or investment advice, and reading it does not create a client relationship. For decisions specific to your situation — especially anything tax-related or involving regulated products — talk to a qualified professional in your jurisdiction.
Corrections and contact
Found a factual error, a broken link, or a stat that has gone stale? Email hello@cshflow.co with the post URL and the issue. Material corrections get a dated update note on the affected post; small typo fixes do not.
For everything else — read the blog or try the product.