Xavier C.H.

About Xavier

Xavier is the lead editor and researcher at GetDebtFree.tools. He builds the calculators and reviews every article published on the site before it goes live. He is based in Barcelona, Spain, and works on this project as an independent editorial endeavor.

Background

• Master's in Supply Chain Management, EAE Business School, Barcelona (2021-2022)
• Bachelor's in Gastronomy Sciences, CETT (Universitat de Barcelona)
• Working professional in operations and supply chain at an industrial gases multinational (since 2022)
• Independent personal-finance researcher since 2025, focused on US consumer debt patterns and free educational tools

What Xavier is not

To be transparent: Xavier is not a Certified Financial Planner (CFP), CPA, attorney, or licensed financial advisor. He is an editor and researcher. The content on this site is educational and not a substitute for personalized advice from a licensed professional.

What Xavier does bring: rigorous research methodology, fact-checking against authoritative US sources (CFPB, Federal Reserve, IRS, FTC), and a commitment to transparency about both what he knows and what he doesn't.

Editorial principles

• Every numerical claim must cite an authoritative source (typically a US government agency or Federal Reserve data)
• Affiliate partnerships are disclosed transparently and never influence which strategies we recommend
• Content is reviewed at least annually and dated with "Last reviewed" timestamps
• Reader corrections are taken seriously and applied promptly

Contact

Reach Xavier at xaviercahe@gmail.com for editorial questions, corrections, or media inquiries. See also our contact page.

Last reviewed: May 26, 2026.