Financial Disclaimer

These pages describe how US consumer money systems work. A sentence that is true in general can still be the wrong move for one household.

We do not know your income, accounts, or goals, and we will not tell you to buy, sell, claim, or skip a specific product or tax position.

Where we use numbers, they should be tied to a dated primary source. Where we use examples, they are hypothetical. Investing pages describe structure, not a recommendation. Tax pages summarize commonly published rules, not a filing position.

Statutes and agency rules change. Confirm the current text at the agency that issues it. If you need a decision, use a professional who can look at your facts.

If a page is wrong, see Contact once a public email exists.