Disclaimer

Educational, not advice

The book, this website, the prompt pack, the spreadsheets and the periodic email update are for education and general information. They are not personal financial, investment, tax or legal advice, and they do not take into account your goals, finances or risk tolerance. Speak to a qualified, regulated professional before you make a financial decision.

AI can be wrong

AI assistants can make mistakes, misread numbers, invent facts and sound confident while doing it. Treat any AI answer as a draft. Check figures against your own records and against official sources. Do not paste sensitive data such as account numbers, passwords or identity documents into an AI tool.

No product recommendations

We do not recommend, rank or endorse any financial product, fund, broker, bank, app or provider. Any name used in an example is only an example. We are not paid by any provider to mention it.

No promises about returns

Investing involves risk. You can lose some or all of the money you invest. Nothing here promises, predicts or implies any return, saving or income. Past performance does not predict future results. Savings you find in one household will not be the same in another.

Accuracy

We try to keep the material correct, but rules, prices and products change and the content may be out of date. Tax and regulatory treatment differ from country to country.

Professional ties

Information about the author's professional background is on the about page.