This website and the book, Spending Your Way to Wealth, contain information about financial firms, employees of such firms, and their products and services such as real estate, stocks, bonds, and other types of investments. While this book is intended to provide information on financial matters and investments, such information or references should not be construed or interpreted as investment advice or viewed as an endorsement.

The author has invested and likely will invest in the products and services discussed in this book. However, any comments or suggestions offered in this book regarding such financial firms or their products and services are solely the opinions of the author.

The book, and the calculator on this website, utilize several assumptions on which to base likely future financial outcomes. During the past 5+ decades, the U.S. economy has experienced a yearly inflation rate that has averaged about 3% per year. Likewise, while the value of major American-based companies has also varied from year to year, one of the most common benchmarks for such companies’ growth is tracked by Standard & Poors Inc. and reported as the S&P 500 Stock Index. This index has shown an average growth rate of approximately 10% per year over the past five decades. While there can be no assurance that either the U.S. inflation rate or the S&P 500 Stock Index will experience the same average rate in the future that it has in the past, the duration of time over which the averages have been calculated provides a basis for an assumption of its continuance in the future.