The book, website, and companion software provide educational tools and economic models designed to help readers and users explore spending patterns, saving rates, and long-term investment strategies. Although the content and software may generate personalized calculations, projections, or suggested strategies based on user-provided information, these outputs are derived from generalized financial principles and mathematical models and do not constitute personalized financial, investment, tax, or legal advice within the meaning of applicable U.S., EU, or Polish regulations.
The personalized outputs are illustrative modelling results. They are not tailored professional advice and do not account for all factors relevant to individual financial planning, such as employment risk, behavioral constraints, tax law changes, market conditions, or your full personal circumstances. The authors are not registered investment advisers, broker-dealers, or financial professionals, and the tools do not create an advisory or fiduciary relationship.
Investing involves risk, including potential loss of principal. Even diversified assets such as broad-market ETFs or inflation-protected bonds carry uncertainty. Past performance does not guarantee future results, and model outputs may differ materially from actual outcomes. You bear full responsibility for any decisions you make based on the book, website, or software.
The authors make no warranty regarding accuracy, completeness, or timeliness of information, calculations, or projections. The content may change without notice.
EU notice: This material does not constitute investment advice or a recommendation under Article 20(1) of Regulation (EU) No 596/2014 (MAR) or under any other EU financial-services legislation.
U.S. notice: This content does not constitute investment advice under U.S. federal or state securities laws, and the authors are not registered as investment advisers.
Users should consider seeking advice from a qualified and licensed finance, legal, or tax professional for guidance specific to their unique situation.