Financial education, not personalized advice.

Educational and informational purposes only

The information published by FinanceMythBusters (“FMB,” “we,” “us,” or “our”) is provided solely for general educational and informational purposes.

Content on this website may discuss financial planning, compensation, taxes, retirement accounts, investing, insurance, cash flow, debt, real estate, education funding, estate-planning concepts, and other financial topics. This information is general in nature and does not account for your complete financial circumstances, goals, risk tolerance, tax position, legal situation, or other personal factors.

You are responsible for evaluating whether any information, strategy, calculation, or resource is appropriate for your situation.

No financial, investment, tax, legal, accounting, or insurance advice

Nothing on FMB constitutes or should be interpreted as individualized:

• Financial-planning advice
• Investment advice or a securities recommendation
• Tax advice or tax-return preparation advice
• Legal advice
• Accounting or audit advice
• Insurance advice or an insurance recommendation
• Estate-planning advice

You should consult appropriately qualified financial, investment, tax, legal, accounting, or insurance professionals before making decisions that could materially affect your finances or legal rights.

CPA credential and professional relationship

FMB content is written and managed by an anonymous founder who holds the Certified Public Accountant credential. References to that credential are provided to describe professional background and experience.

The founder’s CPA credential does not transform general website content into accounting, tax, audit, financial-planning, or other professional services.

Your use of this website, submission of a form, subscription to a newsletter, purchase of a resource, or communication with FMB does not create a CPA-client, accountant-client, advisor-client, attorney-client, fiduciary, agency, or other professional relationship.

Calculators, tools, estimates, and assessments

FMB calculators, checklists, assessments, worksheets, examples, and decision tools are educational resources. Results are estimates based on the information you enter and the assumptions, formulas, limits, rates, and methodologies used by the applicable tool.

Calculator results may not reflect every relevant factor, including:

• Your complete tax situation
• State or local laws and taxes
• Employer-plan rules
• Investment fees, volatility, or sequencing risk
• Inflation or changing interest rates
• Insurance underwriting requirements
• Future legislative or regulatory changes
• Personal goals, risks, or family circumstances

Results should not be treated as guarantees, forecasts, quotes, offers, tax calculations, suitability determinations, or recommendations to take a particular action.

Review the assumptions and limitations presented with each tool and verify important calculations independently before relying on them.

Investment risk and performance

Investing involves risk, including the possible loss of principal. No investment strategy, asset allocation, security, account type, or financial product is appropriate for every person.

Past performance does not guarantee future results. Hypothetical illustrations, projected returns, historical examples, and scenario comparisons are provided for educational purposes and may differ materially from actual outcomes.

FMB does not guarantee that any investment, strategy, allocation, contribution decision, or financial action will achieve a particular outcome.

Tax information

Tax laws, regulations, contribution limits, income thresholds, deductions, credits, filing requirements, and administrative guidance may change.

Tax-related content on FMB is general and may not reflect current law, your filing status, state of residence, business interests, compensation structure, equity awards, foreign reporting obligations, or other relevant facts.

Verify tax information using current primary sources and consult a qualified tax professional before filing a return, making an election, completing a transaction, or implementing a tax strategy.

Accuracy, completeness, and timeliness

FMB strives to provide useful, well-researched, and understandable information. However, we do not represent or warrant that all content is accurate, complete, current, error-free, or suitable for every purpose.

Financial rules, tax laws, limits, rates, products, services, prices, and third-party information may change after content is published. Publication dates, update dates, and fact-check dates should be considered when evaluating information.

We may update, correct, remove, or revise content at any time without prior notice.

Affiliate relationships and compensation

FMB may participate in affiliate programs. This means we may earn compensation when you click certain links, apply for a product, purchase a service, or complete another qualifying action.

When an affiliate or compensated relationship applies, FMB aims to disclose that relationship clearly near the relevant content or link.

Affiliate compensation does not guarantee favorable coverage, inclusion, ranking, or recommendation. FMB seeks to evaluate products and services based on reader usefulness, relevance, evidence, limitations, and editorial judgment.

You are responsible for reviewing a provider’s terms, fees, eligibility requirements, privacy practices, risks, and other conditions before using a product or service.

Sponsored content and partnerships

FMB may receive compensation for sponsored content, advertisements, newsletter placements, research partnerships, content licensing, product reviews, or other commercial collaborations.

Sponsored or compensated content will be identified where appropriate. FMB retains editorial control over its conclusions, disclosures, methodology, and presentation unless expressly stated otherwise.

A sponsorship does not constitute an endorsement, warranty, guarantee, or determination that a product or service is suitable for every reader.

Third-party links, products, and services

FMB may link to third-party websites, applications, tools, publications, financial institutions, government resources, products, or services for convenience or educational purposes.

FMB does not control third-party websites and is not responsible for their availability, accuracy, security, privacy practices, content, pricing, terms, products, services, or actions.

A link does not necessarily imply endorsement. Your use of any third-party resource is governed by that third party’s own terms, policies, and disclosures.

Examples, case studies, and testimonials

Examples, hypothetical scenarios, case studies, reader stories, and testimonials may be used to explain financial concepts or illustrate possible outcomes.

These examples may be simplified, anonymized, hypothetical, or based on facts that do not apply to you. They are not guarantees that you will achieve the same or similar results.

No guarantees

FMB does not guarantee financial savings, tax reductions, investment returns, improved credit, debt repayment, insurance approval, business results, increased income, or any other financial or personal outcome.

Your results will depend on numerous factors outside FMB’s control, including your actions, circumstances, market conditions, tax rules, product terms, professional guidance, and changes in law.

Limitation of liability

To the fullest extent permitted by applicable law, FMB and its owner, contributors, contractors, affiliates, service providers, and representatives will not be liable for losses, damages, claims, costs, or expenses arising from or related to:

• Your use of or inability to use this website
• Your reliance on website content or calculator results
• Errors, omissions, interruptions, or outdated information
• Third-party products, services, websites, or actions
• Financial, tax, legal, investment, or insurance decisions
• Loss of money, data, income, opportunity, or profits

Your use of FMB and reliance on any information available through the website are at your own risk.

Nothing in this Disclaimer excludes or limits liability that cannot lawfully be excluded or limited.

Seek qualified professional guidance

Before making a significant financial decision, consider consulting professionals who are properly qualified and able to evaluate your complete circumstances.

Depending on the decision, that may include a certified public accountant, enrolled agent, attorney, registered investment adviser, financial planner, insurance professional, mortgage professional, or other appropriately licensed specialist.

You should independently verify credentials, registrations, licensing, disciplinary history, fees, conflicts of interest, and scope of services before hiring a professional.

Changes to this Disclaimer

FMB may revise this Disclaimer from time to time to reflect changes in website features, content, partnerships, legal requirements, or business practices.

The “Last updated” date at the top of this page identifies the most recent revision. Your continued use of the website after an update constitutes your acknowledgment of the revised Disclaimer.

Contact us

Questions about this Disclaimer may be sent to:

FinanceMythBusters
Email: hello@financemythbusters.com