Founder & Editor

Rishi Mohan

Founder and editor of Oracle. Building free tools that make personal-finance planning clear, honest, and accessible.

About Rishi

Rishi Mohan is the founder and editor of Oracle. He started Oracle out of a simple frustration: most personal-finance tools are either too rigid, too full of jargon, or quietly trying to sell you something. He wanted a free, friendly way for ordinary people to see where their current trajectory leads — and what they can change about it.

Rishi is not a licensed financial advisor, and Oracle is deliberately built that way. It is an educational thinking tool, not a sales channel — there are no products to push and no paid placements. His role is editorial: he sets the standards for every guide on the site, reviews each draft for clarity and accuracy, and checks that the numbers and rules of thumb line up with established, widely accepted financial principles.

He believes good money content should be plain-spoken, honest about uncertainty, and free of hype. Everything published under Oracle is meant to help you ask sharper questions and make more informed decisions — never to replace a conversation with a qualified professional.

How content is created and reviewed

Reviewed for accuracy

Every guide is checked against established, widely accepted financial principles and figures before it goes live, and updated when those figures change.

Plain-spoken and independent

Oracle sells no financial products and accepts no payment to feature any company. The goal is to explain how money works in plain language — nothing more.

Read the full editorial standards for how Oracle researches, reviews, and corrects its content.

Articles by Rishi

How to Retire Early: The Math Behind Financial Independence8 min read Roth IRA vs 401(k): Which Should You Choose in 2025?8 min read The 50/30/20 Budget Rule: Does It Actually Work?7 min read How Much Should I Have Saved by 30, 35, and 40?7 min read How to Negotiate Your Salary and Actually Get It9 min read Why Your Salary Is Almost Irrelevant to Your Net Worth6 min read Moving Cities: How Geography Can Add (or Subtract) $500K from Your Net Worth7 min read 7 Daily Habits That Consistently Predict Long-Term Wealth9 min read How to Build Wealth on a Low Income: A No-Excuses Guide8 min read The Financial Impact of a Career Pivot: What the Numbers Actually Say10 min read Lifestyle Inflation: The Quiet Habit That Keeps High Earners Broke6 min read 'What If?' Questions Every 30-Something Should Be Asking About Their Finances7 min read How Compound Interest Works — With Real Examples7 min read Average Net Worth by Age — and How to Beat the Benchmark8 min read How to Build an Emergency Fund: A Step-by-Step Guide6 min read Dollar-Cost Averaging vs. Lump-Sum Investing: What the Data Actually Shows7 min read Index Funds vs. Actively Managed Funds: Why Fees Quietly Decide the Winner8 min read Tax Brackets Explained: Marginal vs. Effective Rate (and Why a Raise Never Costs You Money)8 min read Debt Snowball vs. Debt Avalanche: Which Pays Off Debt Faster?8 min read How Much House Can You Actually Afford? The 28/36 Rule and Beyond9 min read Sinking Funds: The Simple System That Ends Money Surprises7 min read

Rishi Mohan is not a licensed financial advisor. Content on Oracle is for informational and educational purposes only and does not constitute financial advice. Always consult a qualified professional before making major financial decisions.