You are responsible for your financial and life decisions. Any and all information found on this site is based on my own experience. I can not make you rich or turn your financial life around. Anything that you choose to do after reading material found on this site is your responsibility alone.

Financial Decisions

Any material found on this site is based on my experience and my financial situation. Please do not make major financial decisions based on information you find here without first getting advice from a local financial adviser. I bear no responsibility for any decisions that you make because of something you read on this site.

Comment Policy

I take the ‘Don’t Be A Douche’ approach to commenting. I encourage everybody to comment on my posts. Comments that are critical are always welcome so long as they’re constructive and add to the conversation. I reserve the right to delete any comments for any reason. Usually, I leave anything up that’s not inflammatory, hateful, profane or rude.

Affiliate Relationships

This site makes money in part through affiliate relationships. Any link that you click through to from this site may result in me receiving a referral commission. I only maintain affiliate relationships with companies that I know and trust. is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to


Links that you find on this site are relevant and accurate at the time of posting. I have no control over what other site owners do and links may go dead at any time. Please do let me know if you find a dead link on this site.

Content Validity

If you find a factual error in something that I have written on this site, please contact me via my contact page and let me know. Everything that is posted here is accurate and true to the best of my knowledge at the time of posting. Things change and information may go out of date. I’m usually happy to update any dated information upon request.


It takes a ton of time and effort to create the content on this site. Any and all material on this site is owned by me unless otherwise stated. If you quote or use an excerpt from any material on this site, please give credit appropriately.