Last updated: [2025 November 14]

Thank you for visiting Budget Investor. I’m truly grateful you’ve chosen to spend some time here.

1. Personal Journey, Not Formal Advice

The content on this site reflects my personal journey — what I’m doing, learning, experimenting with — as I navigate investing, budgeting, side hustles and personal growth. While I aim to be honest and transparent about my wins, mistakes and thoughts, this is not financial advice, and should not be relied upon as a substitute for professional guidance.
Investing always involves risk, including the possibility of loss. Past performance is not a guarantee of future results.

2. Risk & Responsibility

When you read posts here — whether about stocks, side hustles, saving strategies or anything else — please keep in mind:

• I’m not a licensed investment advisor, planner or tax professional.
• What works for me may not work for you — your financial situation, goals, risk tolerance and timeline are unique.
• Always do your own research. Consider seeking the help of qualified professionals (such as a certified financial planner, accountant or tax advisor) before making major financial decisions.

3. Affiliate Relationships & Monetization

To help keep this blog running, I sometimes include links that may earn me a small commission if you choose to use them. These are affiliate relationships. For example:

• If I refer a product, tool or service (brokerage account, educational course, platform, etc.) and you click my link and make a purchase or sign-up, I may receive compensation.
• This compensation does not affect the price you pay — it simply supports the blog and the time I invest into it.
• I only mention products, services or tools I believe in (or am testing) — but always remember: my endorsement is part of my personal journey, not a guarantee of performance or outcome.

If you prefer a non-affiliate route, just visit the company directly rather than using a link here.

4. No Guarantees

Even when I share what I’m doing in my own portfolio or side-hustle experiments: please understand that nothing is guaranteed. Investment returns, side‐income results or anything else I share are not promised or typical. Your experience could differ materially.

5. Content Accuracy & Updates

I strive to provide accurate, up-to-date information. However:

• Markets, tax laws, regulations and personal circumstances change — so some content may become outdated.
• Posts reflect the situation at the time of writing. I cannot guarantee they will always remain fully accurate.

6. Your Use of This Site

By using this blog (reading, clicking links, interacting in comments, etc.), you understand and agree that:

• You assume full responsibility for your own financial decisions;
• I (the author) am not liable for any losses, damages or undesirable outcomes you may experience as a result of your actions or decisions based on content from this site;
• If you choose to act on anything you read here — especially investing or side-hustle decisions — you do so at your own risk.

7. Disclosure Changes

This page may be revised from time to time. If significant changes are made, I’ll update the “Last updated” date at the top.