Disclaimer

Smart Money Basics publishes general educational information about personal finance. Please read this disclaimer before using anything on the site.

Not financial advice

Nothing on this site is financial, investment, tax, accounting or legal advice, and nothing here is a recommendation to buy, sell or hold any security or product. The content is general and does not take into account your personal goals, finances or circumstances. Before you make a financial decision, consider talking to a qualified professional who can look at your situation.

The author is not a licensed financial advisor, broker, accountant or attorney, and using this site does not create an advisory or fiduciary relationship.

Examples and calculators are hypothetical

Examples and calculator results use assumed numbers, such as a steady rate of return or a fixed inflation rate. Real results will differ. Investments can lose value, and past performance does not guarantee future results. Calculators are estimates for learning and may not match figures from your lender, bank or tax preparer.

Accuracy

I work to keep information accurate and cite official sources, but laws, rates and programs change, and mistakes are possible. Check the source and current terms before you rely on any detail. If you find an error, please let me know.

Third-party links and ads

The site links to third-party websites and may display advertising. I don't control those sites or advertisers and I'm not responsible for their content or their products. An ad on this site is not an endorsement.

Your responsibility

You are responsible for your own financial decisions. By using this site, you agree that the author is not liable for losses resulting from using the information here, to the extent permitted by law.