Disclosures.
What this site is and isn't.

2026-07-29. Cross-page figure alignment batch: stale 2024/2025 constants presented as 2026 values, corrected sitewide against primary sources. Lifetime estate/gift exemption: seven pages and the inheritance calculator said $13.99M (the 2025 amount) or defaulted to $13.61M (2024); all now carry the OBBBA-permanent $15M single / $30M married for 2026, and stale TCJA-sunset framing was removed. Retirement limits: three pages presented 2025 limits as 2026 ($23,500 401(k) / $7,000 IRA; correct 2026: $24,500 / $7,500); the accounts hub's catch-up column said +$7,500 on three 401(k)-type rows (correct: $8,000) and +$1,000 for IRA (correct: $1,100); two pages called the 401(k) catch-up $8,600, which is actually the IRA age-50 total, and one more page carried the $1,000 IRA figure. First IRMAA threshold: three pages said $106,000/$212,000 for 2026; the 2026 values are $109,000 single / $218,000 married filing jointly. 2026 Medicare Part B standard premium: ~$174/month (the 2024 premium) corrected to $202.90. The contribution-limits page's standard-deduction “what changed” rows double-counted the retroactive OBBBA boost ($15,000/$30,000 baseline with +$1,100/+$2,200 deltas); the correct post-OBBBA 2025 baseline is $15,750/$31,500 with +$350/+$700. Separately, hand-set Bitcoin and macro figures that had drifted from the site's own data snapshots are now stamped from them at every build: /objections/ presented ~$100K as the current BTC price and $108K as the all-time high (snapshot: $64,653 as of 2026-07-19; actual ATH $124,824, October 2025), and its 10x-upside arithmetic was recomputed to match its own base figures (roughly 30x at a 10% share of the $400T market); the Bitaxe review's expected-value math now derives from the stamped price instead of a hand-set $77K; the M2 level (“approximately $21 trillion”) was corrected and stamped on two pages; the hand-typed national-debt level and as-of date on two flagship pages now stamp from the Treasury snapshot; the debasement dashboard's summary paragraph now stamps from the same data files its table reads, so the two can no longer disagree; and the next-halving estimate was corrected from ~March to ~April 2028, projected from the chain tip. Hand-authored FAQ schema on two pages contained 17 questions that did not appear in the visible page text; schema on those pages is now generated from visible text only. Forty-six pages' social-share preview images returned 404; they have been generated and share previews now resolve sitewide. In the same sweep, the money-supply tier figures were re-verified: M0 was stated as approximately $5.8 trillion and M1 as approximately $18 trillion “as of early 2026” on two pages and in the tier chart's data; the May 2026 figures are about $5.5 trillion (M0) and $19.8 trillion (M1), now corrected in prose, chart data, and accessibility labels, with the M2 chart label's 2020 growth figure aligned to the corrected 24.6% series.

2026-07-29. Calculator correctness batch: five tools corrected against primary sources, each with new regression tests. Tax estimator, four fixes: (1) capital losses now follow Schedule D netting with the IRC §1211 limit, offsetting at most $3,000 of ordinary income ($1,500 married filing separately) with the carryforward shown; previously short-term losses offset ordinary income without limit (a $75,000 W-2 with a $50,000 short-term loss understated federal tax by roughly $6,100) and long-term losses offset nothing. (2) The SALT deduction was still capped at $10,000; the 2026 OBBBA rule now applies: $40,400 cap phasing down by 30% of AGI above $505,000 to a $10,000 floor, half each for married filing separately. (3) The child tax credit rose from $2,000 purely nonrefundable to the 2026 $2,200 with up to $1,700 per child refundable (15% of earned income over $2,500, Rev. Proc. 2025-32); a head-of-household filer with two children and $28,000 of wages now correctly gets up to $3,400 refunded instead of $0. (4) Four head-of-household bracket thresholds and the HOH long-term-gains 15% ceiling were corrected to Rev. Proc. 2025-32 ($17,700 / $67,450 / $201,750 / $256,200; ceiling $579,600). Inflation calculator: the hand-set official-CPI series claimed about 52% cumulative inflation since 2000; BLS CPI-U shows about 87%. The series and the category rows are now generated from the site's BLS data snapshot at every build (Housing 62 → 114.7, Food 55 → 86.6, Energy 40 → 124.2 cumulative since 2000, among others). The error understated debasement. Student-loan IDR tool: total interest assumed every payment plan retires the loan, showing $0 interest for low-income borrowers whose payments are entirely interest; the tool now simulates the schedule month by month and reports interest paid, payoff or forgiveness date, and the forgiven balance (a $50,000 loan at 6.5% with $30,000 AGI: $12,120 paid over 20 years, all of it interest, with about $102,880 forgiven). Its poverty-guideline constants were updated from 2024 figures to the published January 2026 HHS guidelines. RMD calculator: ages above 100 were clamped to the age-100 divisor, understating the RMD by up to about 28% at age 105; the IRS Uniform Lifetime Table now runs through 120+ per Pub. 590-B. Best-state-to-sell page: the South Carolina example claimed gains are taxed at up to 6.5%; with SC's 44% long-term gain exclusion (S.C. Code §12-6-1150) and the H. 4216 rate cut to 5.21% for 2026, the effective top rate on long-term gains is about 2.9%, overstated roughly 2.2x before. The same page addressed the reader as if they lived in the site owner's state; that phrasing was removed.

2026-07-29. The Command Center desktop app's state tax estimates were defective; downloads were pulled and the app has been replaced. Adversarial stress-testing of the desktop app (v1.0.0–v1.2) found that its state-level tax layer applied state rates to gross income rather than state taxable income, overstating estimated liability in most states and by roughly ninefold in the worst cases tested (Colorado and Arizona). All desktop app downloads were removed from /command-center/ on 2026-07-22; this entry, which should have been logged that day, closes the gap. The app is retired rather than patched. A successor whose calculation engine contains no tax model at all (assumption-driven questions stay with the site's clearly-labelled educational calculators) is being finalized and will release on /command-center/ with published SHA-256 hashes. If you downloaded the old app, do not rely on its state-level tax output. The Excel workbook remains offline pending its own re-verification pass.

2026-07-23. The 2026 federal tax brackets page showed outdated married-filing-jointly thresholds. The MFJ table on /2026-tax-brackets/ still carried pre-publication projections (22% bracket ending near $215,000, 24% near $411,000, 32% near $521,000, 35% near $782,000) after the IRS finalized the 2026 figures in Rev. Proc. 2025-32. The correct thresholds are $211,400, $403,550, $512,450, and $768,700, overstated by up to roughly $13,300 per bracket edge. The single-filer table on the same page, the tax-bracket calculator, and every other tool were correct throughout; the calculator's banner also wrongly still called its (correct) figures "projections" and now cites the final Rev. Proc. The page now carries the published figures with the approximation hedge removed.

2026-07-08. Bitcoin price arrays in the backtest tools are now generated, not hand-kept. The DCA calculator, lump-sum-vs-DCA, and Bitcoin-vs-S&P-500 tools carried hand-maintained BTC close arrays that needed manual quarterly updates; all three are now stamped at every build from the site’s nightly CoinMetrics snapshot (data/btc.json), so they extend automatically as data arrives. This also normalized older approximate values to exact month-end closes: the Bitcoin-vs-S&P tool’s BTC series had come from a different source (for example, its December 2024 close read $93,429 versus the canonical $93,390), and the DCA calculator’s pre-2025 quarter prices were round approximations that did not always sit on the quarter boundary its interpolation assumes. The clearest case was 2017, where the December peak (~$14,000) was used as the price from late September onward, overpricing autumn 2017 purchases (the correct September 2017 close is $4,335). Backtest results for pre-2025 start years shift accordingly and are now more accurate. The shared quarterly market-history dataset behind the Bitcoin price-history page gets the same treatment: its BTC quarter-end closes are re-stamped from the snapshot at every build (its December 2024 value had also read $93,429). The S&P total-return series has no pipeline source and remains hand-maintained; the Bitcoin-vs-S&P page now discloses that it holds flat past its last point.

2026-07-08. Stale national-debt level corrected. Five pages (the national-debt explainer, bonds, the dollar milkshake theory, financial repression, and The Problem hub) stated the U.S. national debt as "$36 trillion" as if it were the current level; the Treasury’s Debt to the Penny figure was $39.46 trillion as of 2026-06-30. The current level is now stamped from the site’s nightly Treasury snapshot at every build, floored to one decimal so "over" and "+" phrasings stay true, and the national-debt page’s derived figure for interest cost per percentage point of rate increase now scales with it (was "roughly $360 billion," now tied to the stamped level). The dated claim that the debt exceeded $36 trillion in 2024 is unchanged, since it is historical and remains accurate.

2026-07-08. Data-drift cleanup: numbers the site displays are now stamped from the data files it already refreshes nightly. The live national-debt ticker was accruing at a hardcoded ~$2 trillion/yr while the Treasury’s actual trailing pace was ~$3.85 trillion/yr, so the ticker understated debt growth by roughly half; the rate is now stamped at every build from the site’s Treasury Debt-to-the-Penny snapshot. The M2-vs-CPI chart on the money-supply tracker ran on hand-set annual arrays ending in 2025; its data is now generated at build time from the FRED snapshot and extends through the latest month, which also corrected the 2020 M2 expansion from 24.9% to 24.6% (December over December). Mortgage-rate defaults on four tools (mortgage vs rent, refi break-even, DTI calculator, NPV decision) were hand-set between 6.5% and 7.2% and now stamp the latest Freddie Mac 30-year weekly average. The inflation defaults on the real-return and inflation-breakeven tools now stamp the latest CPI year-over-year print; the opportunity-cost and retirement-on-track tools keep deliberate long-run assumptions, with the reasoning now documented on each page.

2026-07-07. Citation and fact-check pass over an audit backlog; every figure below was re-verified against a primary source. UK page: the full New State Pension rate was updated from £221.20 (2024–25) to £241.30 (2026–27), the SIPP annual-allowance and CGT annual-exempt-amount year labels were corrected to 2026–27 (values unchanged at £60,000 and £3,000), and a gov.uk Junior ISA source was added. /bitcoin-in-401k/: the March 2022 Department of Labor “exercise extreme care” crypto guidance was presented as current; it was rescinded in full on May 28, 2025 (EBSA Compliance Assistance Release 2025-01), so the page now says so and notes the DOL’s return to a neutral stance. The rollover section gained the IRS caveats it had omitted (20% mandatory withholding on indirect rollovers, the 60-day deadline, the one-per-12-months IRA limit), plus a sources block. /canada/: the OAS recovery-tax threshold was updated from $90,997 (2024) to $93,454 (2025), and the RESP/CESG claim gained a CRA verify badge. /bitcoin-economics/monetary-premium/: an impossible line (“$8K per ounce of its $3K-plus price”) was removed and gold’s industrial share was corrected from 12% to about 7% (326 of 4,975 tonnes in 2024) per the World Gold Council, with the jewelry-as-savings framing flagged as the site’s interpretation. /changelog/ gained a sources block for its 2026 statutory figures (all re-verified against IRS Notice 2025-67, Rev. Proc. 2025-32 and 2025-19, the SSA 2026 fact sheet, and Public Law 119-21). The El Salvador remittance (24% of GDP) and Turkish-lira (over 80% versus the dollar, 2019–2024) figures gained World Bank verify badges. /bitcoin-vs-altcoins/ lost a shipped “(replace per coin)” placeholder in its source list. The debasement dashboard dropped an unverifiable “fastest peacetime expansion on record” superlative (the FRED-verified ~41% M2 growth stays), credited CoinMetrics for the Bitcoin price in its intro, and scoped an “any four-year window” claim. /case-studies/ relabeled its modeled outcomes as modeled and named the price dataset behind the DCA case.

2026-07-05. Privacy wording made precise, and four pages added. The homepage, the Start Here quiz, the tools index, and /how-this-site-makes-money/ said “no tracking” or “no trackers,” which is not literally true while the site loads Plausible, a privacy-respecting analytics script. Those lines now say “no cookies” (Plausible sets none and collects no personal data), and /how-this-site-makes-money/ names Plausible outright; full detail remains on /privacy/. Four pages were also added to serve situations the site handled thinly: a “where to start” hub that routes the site by life situation, a single-parent order-of-operations page, an “outside the US” scope page, and a financial safety-net page covering SNAP, Medicaid and ACA subsidies, LIHEAP, free tax filing, and 211. Program and tax claims are cited to primary government sources.

2026-07-04. Removed a credibility claim that was not always true. The build was stamping “Reviewed against primary sources cited at the bottom of this page” onto every dated content page, including narrative and utility pages (such as the reading paths and the /start-here/ quiz) that carry no citations. That line now appears only on pages that actually cite primary sources (an inline verify badge or a sources block), and its wording was made location-accurate. The automatic reading-time estimate was also fixed: it had been counting inline CSS and JavaScript as prose, so the interactive quiz page displayed “READ 48 min” for what is a roughly five-minute quiz.

2026-07-04. Fact-check corrections to the new pages (a primary-source verification pass over 214 numeric claims). Corrected figures: the dependent-care FSA limit to the 2026 amount of $7,500 ($3,750 if married filing separately), raised from a long-frozen $5,000 by the 2025 tax law; the FDIC 2023 unbanked rate to 4.2% (was “roughly 5%”); the federal bankruptcy homestead exemption to $31,575 for cases filed April 2025–March 2028 (was $27,900); the 2023 Silicon Valley Bank uninsured-deposit share to roughly 88% (was ~94%); and the Chainalysis illicit-crypto share to 0.34% for 2023 (was 0.14%). Separately, eight dead or renamed citation links (CFPB, IRS, FINRA, and the NY Attorney General) were repointed to their live pages, three figures were re-sourced to the document that actually states them, and the CFPB’s 2024 Buy-Now-Pay-Later interpretive rule was reframed to note its 2025 rescission.

2026-07-04. About page + 29 new pages. The /about/ funding section was corrected to state plainly that the site takes no advertising, affiliate, or sponsor money and is funded by voluntary Bitcoin donations only, resolving a contradiction with the site's stated no-affiliate policy. Twenty-nine new education pages and an RMD calculator were published to fill gaps found in a usefulness audit: everyday topics such as unclaimed property, the W-4, Buy Now Pay Later, the Earned Income Tax Credit, renters insurance, RMDs, FSA vs HSA, quarterly estimated taxes, bankruptcy, and debt-collector (FDCPA) rights, plus Bitcoin-skeptic questions on quantum computing, Tether, and criminal use. Statutory figures are cited to primary sources (IRS, CFPB, SSA, FTC, FDIC) and dated to their tax year; the FSA/HSA page uses 2026 limits ($3,400 FSA salary reduction, $680 carryover, $4,400/$8,750 HSA).

2026-07-03. Credit card updates: the card-comparison tool's fee-card recommendation is now labelled as the site author's personal three-card stack (Fidelity Visa, Chase Freedom Unlimited, Chase Sapphire Preferred), not a computed "optimum," with a disclaimer to that effect. Chase Sapphire Preferred details across the tool and /credit-card-strategy/ were updated for the card's June 15, 2026 refresh: it now earns 3x on gas and EV charging (new), 2x on general travel (5x through Chase Travel), and carries a $100 annual hotel credit (doubled from $50) that offsets the unchanged $95 fee. The interactive site map at /map/ was retired; its links now redirect to the /sitemap/ index.

2026-07-02. Calculator and content accuracy batch (UX audit follow-up): Bitcoin price history page rewritten to reflect the actual 2025–26 cycle (ATH $124,824 on 2025-10-06, current ~52% drawdown). The previous copy described a "$95,000 consolidation" that no longer existed. Debt payoff calculator's invest-instead scenario now models identical monthly outflow across scenarios (it previously overstated investing vs. paying off high-APR debt). Pension vs. lump sum tool's required-return solver was inverted and materially overstated the return needed. Social Security calculator's assumed-return input is now actually used in the calculation. Roughly a dozen tools had stale hardcoded Bitcoin prices ($70k–$100k) replaced with the site's data snapshot, stamped at every build. The consolidation guidance on /debt-first/ and /zero-to-one/ was reconciled to one position. Full detail in the site's audit reports.

2026-07-02. Privacy page: corrected the hosting provider (the site is served from Namecheap shared hosting on a LiteSpeed server, not Vercel) and now discloses the Plausible analytics script explicitly; previous wording claimed no analytics beacon fires, which contradicted the third-party requests section on the same page.

2026-07-02. Market-history dataset (powers the DCA and what-if tools): replaced unverified 2025–2026 quarterly BTC closes and the current reference price with CoinMetrics data. The old reference price overstated BTC by roughly 50%; tool results computed on it were too favorable. Reference prices are now stamped from the site's own data snapshots on every build.

2026-06-02. Disclosures page: added dated correction log section. Added /how-this-site-makes-money/ as a trust-triangle page with full cross-linking.

2026-06-01. Site-wide: homepage page count verified as 422 (dynamic from pages.config.js). Human-readable /sitemap/ page count was stale at 179; will be updated when /sitemap/ becomes data-driven from site-graph.json.