Disclosures.
What this site is and isn't.

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.