Author & Editorial Standards

Who writes WorthMorrow and the standards the content is held to.

Dumessa Olkeba Furi, CMSA®

MSc, Development Economics — APU · Passed Level I of the CFA Program

Chief Financial Architect & Capital Markets Specialist · Founder and lead author

Biography

Dumessa Olkeba Furi is the founder and lead author of WorthMorrow. He holds the CMSA® designation, issued by the Corporate Finance Institute, and an MSc in Development Economics from Ritsumeikan Asia Pacific University. He has passed Level I of the CFA Program.

He is responsible for the site’s articles, the design of its calculators and its methodology.

Areas of expertise

  • Personal finance
  • Capital markets
  • Financial valuation
  • Financial independence planning
  • Household budgeting

Role in the methodology

The author specifies each calculator’s formulas and assumptions and approves changes to them. See the methodology.

Articles by this author

Editorial Standards

These standards describe what actually happens in producing the site. They are not a claim of independent review.

Topics and sources

Topics are chosen from the questions people ask when planning their finances and fit the four areas: Budgeting, Investing, Debt and Financial Freedom. When a statement depends on outside data, the source is cited. Preferred sources are government agencies, regulators, central banks, academic research, official financial institutions and recognised professional organisations. Guides that only explain definitions and arithmetic say that they cite no external statistics.

Calculator testing

Calculator formulas are tested against fixed input sets, including edge cases, and the outputs are compared before and after any change. This is documented testing by the author, described on the methodology page.

Dates

Each article shows when it was published and last updated.

Corrections

Errors that are reported through the contact page are checked, corrected, and noted on the page with the date.

Independence and affiliates

No affiliate links are published in this release. If any are added, they will be disclosed next to the recommendation, as set out in the affiliate disclosure.

Education, not advice

Content is general education. It is not personalised financial, investment, tax or legal advice. See the financial disclaimer and About.

Use of AI assistance

AI tools are used to help draft articles and page text. The author is responsible for what is published. No independent review panel, fact-checking staff or external reviewer is used.