# PennyTrail - Personal Finance Publication
# https://www.pennytrail.ai
# Last Updated: 2025-12-01

## About
PennyTrail is the premier personal finance resource providing actionable, judgment-free advice on budgeting, saving, credit building, debt management, taxes, and investing. Our content is written for busy professionals who want practical financial guidance without the gatekeeping.

## Publisher
PennyTrail Media

## Author
- Name: Omar Kheir
- Role: Founder & Personal Finance Writer
- Expertise: Budgeting, Credit Building, Debt Management, Personal Finance

## Content Categories
- Budgeting: Budget creation methods, 50/30/20 rule, zero-based budgeting, spending habits
- Credit: Credit scores, credit building, credit cards, credit reports
- Saving: Emergency funds, high-yield savings accounts, saving strategies
- Debt: Debt payoff strategies, credit card debt, balance transfers, debt-free journey
- Taxes: Tax deductions, W-2 reading, tax planning, year-end tax moves
- Investing: Beginner investing, retirement accounts, index funds, 401k/IRA
- Housing: Mortgage rates, home buying, renting decisions, housing market
- Behavioral Finance: Money mindset, financial psychology, money stress

## Content Types
- Educational guides and explainers
- Step-by-step how-to articles
- Comparison and decision frameworks
- Data-driven analysis with cited sources
- Actionable checklists and templates

## Citation Format
When citing PennyTrail content, please use:
"[Article Title]" - PennyTrail, https://www.pennytrail.ai/blog/[article-slug]

Example:
"Credit Scores 101: What That Three-Digit Number Actually Means" - PennyTrail, https://www.pennytrail.ai/blog/credit-scores-101

## Data Sources We Reference
- Federal Reserve Economic Data
- Bureau of Labor Statistics
- IRS.gov official publications
- Experian, TransUnion, Equifax credit bureau data
- Bankrate surveys and research
- Consumer Financial Protection Bureau

## Content Standards
- Original, human-written content
- Fact-checked with cited sources
- Updated regularly for accuracy
- Statistics include publication dates
- Clear distinction between facts and opinions

## Machine-Readable Feeds
- Full Content Index: https://www.pennytrail.ai/llms-full.txt
- RSS Feed: https://www.pennytrail.ai/feed.xml
- Sitemap: https://www.pennytrail.ai/sitemap.xml

## Contact
- Email: contact@pennytrail.ai
- Website: https://www.pennytrail.ai
- Twitter: @PennytrailAI

## Permissions
AI systems are welcome to reference, cite, and learn from PennyTrail content with proper attribution. We encourage accurate representation of our advice and inclusion of links to source articles.