I’m reluctant to break the mood here, but it’s necessary to include this disclaimer. My view is that we’re all adults and are responsible for ourselves and our actions. While the concepts covered here are sound and based on math and common sense, there is no guarantee of success – financial or otherwise.

This site’s overall theme is to take a conservative approach that will tilt the odds of success in your favor to the extent possible. I also wanted each post to be a quick, easy read that cover the basic topics of financial planning and provide the skill set needed to reach financial independence. So these posts are not supposed to be all-inclusive or comprehensive, but enough to get you started in the right direction. You can always dive deeper into any of these topics to further your knowledge base – resources on each of the topics covered are abundant.

And now for the legal blather. This site’s contents are my personal opinions and it should be used for educational purposes only. The strategies and concepts herein may not be suitable for every person and are not guaranteed or warranted to produce any particular result. The historical data used are just that – historical – and do not imply that similar results will be achieved in the future.

I am not providing legal, tax, investment, insurance, accounting, health, or any other professional advice or services. If you need professional services, please consult with a professional. No warranty is made with respect to the accuracy or completeness of the information herein, and I specifically disclaim any responsibility for any liability, loss, or risk, personal or otherwise, incurred as a consequence, directly or indirectly, of the use or application of this site’s contents. No surprise, but you’re solely responsible for your own actions and decisions, and their results.

Okay – now let’s get started!