Terms of use

Everything on this site, including the calculators and the downloadable playbook, is Jay's own commentary and opinion. None of it is financial, investment, tax, or legal advice, and none of it is a recommendation to buy or sell any security.

The calculators produce hypothetical, illustrative output based on inputs you choose and, where noted, real historical market data. Past performance, historical data, and hypothetical scenarios do not predict future results.

Use this site and its content at your own discretion. Do your own research and, where appropriate, talk to a licensed financial professional before making financial decisions.

Results and income disclaimer

This site, including any hypothetical scenarios described, is provided for informational and illustrative purposes only and does not constitute professional advice. These scenarios are hypothetical and are not indicative of any specific outcome or past performance. Results will vary based on individual efforts and external factors. We make no promises or guarantees regarding your success or the growth of your net worth.

Individual successes are influenced by personal abilities, market conditions, and other external factors. We assume no responsibility for decisions made or actions taken based on the content of this site. Always consult with qualified professionals before making significant financial decisions.