Disclaimer

General education only

Our videos, emails, website, and the Toolkit explain general money topics: saving, bills, debt, Social Security, Medicare, taxes, housing, and retirement. They are not financial, investment, tax, insurance, or legal advice, and they do not take your personal situation into account.

Ray is an animated character

Ray is an animated character, and the narration uses a synthetic voice. He is not a real person and not a licensed financial professional. Every video is researched and written by a real person, and every figure comes from an official source cited in the description.

No recommendations, nothing to sell

We never recommend a specific stock, fund, crypto, annuity, insurance policy, broker, or other financial product, and we are not paid by any of them. Stories in our videos (like "Mike" or "Linda") are illustrative examples, and example numbers are labeled as examples.

Figures change

Laws, limits, rates, and prices change, often every year. We give the date of our figures and the source, but they may be out of date when you watch or read. Always check the official source, such as ssa.gov, medicare.gov, or irs.gov, before you act.

Check with a professional

Before an important decision, such as when to claim Social Security, how to pay off debt, or how to invest, talk with a licensed professional you choose (for example, a fee-only fiduciary financial planner, a CPA, or an attorney), or use the free official counseling services on our Resources page.

Your decisions are your own

You are responsible for your own financial decisions. To the extent the law allows, Ray's Money Ladder is not responsible for any loss that comes from using general information from our videos, emails, website, or Toolkit. See also our Terms of Use.

Questions

Write to raysmoneyladder@gmail.com.