The information provided in this personal finance textbook is intended for educational purposes only. It is not intended to serve as professional financial advice, nor should it be considered a substitute for seeking the guidance of a qualified financial professional. While every effort has been made to ensure the accuracy and relevance of the content within this textbook, financial landscapes are dynamic and subject to change. The authors and publishers cannot guarantee that the information presented reflects the most current regulations, economic conditions, or market trends.

Readers are encouraged to independently verify any information presented herein and consult with a financial advisor or other qualified professionals before making financial decisions. Personal financial situations vary, and what may be suitable for one individual may not be appropriate for another. The authors, editors, and publishers are not liable for any errors, omissions, or inaccuracies in the content provided. Additionally, they disclaim any responsibility for any financial, legal, or other consequences that may arise from the use of the information contained in this textbook. Names of characters in real-life stories have been omitted or changed to protect the privacy of those individuals.

Investing and financial decision-making involve risks, and individuals should carefully consider their own financial goals, risk tolerance, and circumstances before making any financial decisions. By using this textbook, readers acknowledge and agree to the terms of this disclaimer, understanding that the content is not a substitute for professional advice and that they assume full responsibility for their financial decisions.

This book is intended to be used in conjunction with additional resources including Well-Built Finances: The Complete Workbook, accompanying videos, multiple-question assessments, and WBF’s List of Free Money Activities. Please visit WellBuiltFinances.com to access these resources.