Financial disclosure
SimpleMoneyHabits is a personal finance site, not a financial advisor. Everything here is education and personal opinion based on real experience. Some links are affiliate links. None of it is financial advice for your specific situation. The honest version of all of this is below.
Not financial advice
Nothing on this site is financial advice for your situation. I’m not a licensed financial advisor, not a certified financial planner, not a registered investment advisor. The content here is educational and reflects my personal experience, opinions, and the frameworks I run against my own portfolio.
That distinction matters. Financial advice is personal by definition. To give it well, an advisor needs your full picture: income, debts, goals, risk tolerance, family situation, tax position, time horizon, and a dozen other variables. None of that lives on this site. I don’t know any of that about you, and writing as though I did would be irresponsible.
What this site is good for: helping you think through frameworks, see what numbers other people consider, learn how specific tools actually work, and ask better questions when you do sit down with a real advisor or your own spreadsheet.
Investment risk is real
Every investment involves risk. That includes the boring ones. Stocks lose value. Bonds lose value. Real estate funds lose value. Savings accounts lose purchasing power to inflation. Crypto is its own thing. Past performance does not predict future returns, no matter how confident the chart looks.
When I write about a strategy that’s worked for me, I’m describing what happened in a specific time period under specific market conditions. Your conditions will be different. Your timing will be different. Your results will be different. Sometimes meaningfully so.
None of that is a reason to avoid investing. It’s a reason to invest with eyes open about what can go wrong, and to size your positions so that “wrong” doesn’t end your financial life.
If you read a post on this site about a strategy I run and decide to copy it without thinking through whether it fits your situation, that’s on you. The whole point of the frameworks here is to help you think for yourself, not outsource the thinking to me. I’d rather you disagree with a post and act differently than agree with a post and copy it blindly.
Affiliate relationships
Some links on this site are affiliate links. If you click through and sign up for the product, I may receive a small commission at no additional cost to you. This is how the site funds itself.
The rule I hold myself to: I only recommend products I actually use, would keep using if the affiliate program disappeared tomorrow, and have a real opinion about. Every review on the site goes through that filter. If something doesn’t pass it, it doesn’t get reviewed.
When a page contains affiliate links, you’ll see a clear disclosure on that page. The disclosure is there because you should know what financial relationship the writer has with the product. I want that on the table from the first paragraph, not hidden in a footnote.
What I’m responsible for, what you’re responsible for
I’m responsible for what I publish: making sure the math is right, the frameworks are sound, the product reviews reflect actual use, and the disclosures are clear. If something on the site is wrong or out of date, I want to fix it. The fastest way to flag something is on X.
You’re responsible for what you do with the information. That includes deciding whether a strategy fits your life, whether a product is right for your situation, whether to consult a professional, and ultimately what you do with your money. The site can help you think. It can’t think for you, and it shouldn’t try to.
Things change
Markets change. Tax rules change. Products change their pricing, their features, and sometimes their entire business model. My own thinking changes as I learn things and as the world evolves.
I update posts when something material changes, but I can’t promise every page on the site reflects the absolute latest state of the world at the moment you’re reading it. If you’re about to make a meaningful financial decision, verify the current numbers and rules from the original source. Don’t take my word for it just because something is published here.
Questions
If something on this page is unclear, or you want to flag a specific concern about how a post is written, the best place to reach me is on X at @HabitsProf. I read replies and DMs.