Terms of use

Last updated: November 3, 2026.

Opinion, not advice

Posts here are my own experience and opinion. Nothing on this site is financial, legal or tax advice. Program terms change, so check the live terms before you act on anything you read here.

Affiliate links

Some links are affiliate links, marked #ad. See the affiliate disclosure for how that works.

The stories section

The stories section is a separate part of the site for adults (18+) only. Everything there is fiction about made-up adults. If adult content is not legal where you live, do not visit it.

Copyright

The text on this site is mine. You may quote a short part with a link back. Please do not copy whole posts.