Financial Disclaimer

We are not financial advisors

The Money Decoded is a personal finance research blog. The people behind this site are researchers and learners, not certified financial planners, registered investment advisors, tax professionals, or attorneys. Nothing on this site should be interpreted as personalised financial guidance.

Educational and informational content

All articles, examples, calculations, and explanations published on this site exist to help readers understand how money topics work in plain English. They do not constitute investment, tax, legal, or financial advice for any specific person or situation.

Past performance is not predictive

When historical financial data is mentioned in articles — such as long-term stock market returns or historical inflation rates — those numbers describe the past. They are not predictions of future performance. Markets, regulations, and personal circumstances change.

Always consult a qualified professional

Before making any financial decision — investing, taking on debt, changing your tax filing approach, restructuring insurance, or making large purchases — speak with a qualified, licensed professional who knows your specific situation. The general explanations on this site are a starting point for understanding, not a substitute for personal advice.

Affiliate disclosure

We do not currently use affiliate links. If that changes in the future, every article containing affiliate links will state so explicitly at the top.

Advertising disclosure

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Sources

Where we cite specific data, regulations, or definitions, we link to the original source — typically Investopedia, NerdWallet, the Consumer Financial Protection Bureau, the IRS, or the SEC. Verify anything important against the primary source before acting on it.

Contact

Questions about this disclaimer can be sent to hello@themoneydecoded.com.