Nicholas Ryan is a lot of things, but he isn't a financial planner. He's not licensed to help file your taxes or manage your investments. He's simply good with numbers, knows more than the average person about personal finance, and can code a website with a little help. For the above reasons, the information on this website is for entertainment purposes only. The material found in both the free and for-pay sections of this site does not constitute financial or accounting advice. When using this platform, you agree to hold its owner free from responsibility should anything untoward occur to you or your finances.