This site is education, not advice. US consumer money rules sit in a “your money or your life” category: a sentence that is true in general can still be the wrong move for one household. Read every article with that gap in mind.
What we are not
We are not your financial adviser, broker-dealer, investment adviser, tax preparer, enrolled agent, CPA, insurance agent, or lawyer. We do not know your income, accounts, residency, immigration status, debts, or goals. We will not tell you to buy, sell, hold, refinance, claim, or skip a specific product, security, or tax position.
What the articles are
Explainers of systems: how an ACH credit posts, how an index fund is built, how a published IRS threshold is defined, how a CPI basket is a sample of prices rather than your grocery cart. Where we use numbers, they should be tied to a dated primary source. Where we use examples, they are hypothetical.
Investing and tax pages
Investing-mechanics pages describe structure, orders, fees, and account types. They are not recommendations and they do not promise returns. Tax-and-benefits pages summarize commonly published rules. They are not a filing position, a dependency claim, or a state-and-federal plan.
Do your own verification
Statutes, IRS publications, Federal Reserve operations, FDIC insurance limits, and benefit program rules change. Confirm the current text at the agency that issues it. If you need a decision, use a professional who is allowed to look at your documents.
Corrections
If a page is wrong, see Contact once a public email exists. We would rather correct a mechanism than leave a neat sentence that is false.