●EDITOR · AHMEDABAD, INDIA

Joy Jacob

Automation engineer. Product Owner at Oizom. I build data and documentation systems for a living, and I built Best Finance to do for money what good documentation does for software — make a complicated thing legible.

Why I run this site

I'm an engineer, not a financial advisor — and that's deliberately the point. I spent years learning personal finance the hard way: reading primary sources, ignoring the fear-bait, and translating dense rules into decisions I could actually make. Best Finance is where I publish that translation, edited to the same standard I'd want before moving my own money.

Every article here is explanatory, sourced, and clear about its limits. Where the right answer is "it depends, ask a professional," we say so instead of pretending otherwise.

How I edit here

I run an AI-assisted publishing pipeline: I choose the topic and the primary sources, AI drafts from that research, and then I edit — fact-checking every rule, rate, and number against the authority it came from (IRS, SEC, the Federal Reserve, the CFPB, or a regulated provider) and cutting anything that reads like hype. When a topic needs a licensed professional, the article says so. The full process is on our editorial standards page.

Background

Engineering: 5+ years building production firmware (C/C++, ESP32, STM32) and Python automation and data pipelines.
Currently: Product Owner at Oizom — environmental monitoring SaaS used in 30+ countries.
Education: BE in Electrical & Electronics Engineering (L.D. College of Engineering, 2017–2020). Diploma in Electronics & Communication (Government Polytechnic Gandhinagar, 2014–2017).
Disclosure: Not a Certified Financial Planner or licensed advisor. Best Finance is educational, not personalized advice.

Find me elsewhere

If something on the site is wrong, outdated, or unclear, email me. I read every message that isn't bulk outreach.