The content in this website is based on personal experiences.  The author (Javier Gutierrez) does not hold any financial advising licenses in the state of Texas where he resides. (the “Site”) is intended to display the author’s personal experiences with money and will not be held liable for any reader, corporation, or other entity mishandling of their money. Before making any financial decisions, a licensed financial adviser should be consulted.The author’s intention is to do no harm but to relate his personal experiences and opinions directly. and its content validity are constantly changing much like the author’s knowledge and research.
Your Privacy
This site does not store any information gathered by its visitors. Visitor information will only be used to analyze and optimize your content to better serve your reading experience. The author and the site will not be held liable for any information or blogs published on another site without our consent. You might see some ads on this page, but the information acquired by the site can quickly be turned off by accessing your computer settings. Be aware, this privacy policy is subject to change without notice and was last updated on July 21, 2017. For any concerns, please contact me at


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