Educational disclaimer
General education
My Family My Money operates MyFamilyMyMoney.com and MiFamiliaMiDinero.com for U.S. residents. Our articles, checkup, spreadsheets, and other materials provide general education. They are not personalized financial, investment, tax, legal, insurance, or immigration advice. Last updated: October 5, 2026.
Your circumstances matter
Examples and suggested steps do not account for your complete finances, household needs, location, eligibility, or goals. The seven steps are a flexible learning framework, not a required order. Protect essential needs and consider your circumstances before acting. Consult a qualified professional when you need advice specific to your situation. Reading the site or contacting us does not create a professional advisory relationship.
Checkup and spreadsheet limitations
The checkup suggests a learning topic from your answers; it does not assess eligibility, creditworthiness, or the suitability of a financial product. Spreadsheet results depend on the entries and formulas in your copy. They do not connect to accounts, verify balances, calculate taxes, or establish that you can afford a purchase or loan. A monthly surplus does not show whether money will be available on each bill’s due date.
Changing rules and product terms
Rates, fees, account requirements, tax rules, benefits, and protections may change. Banking, credit, insurance, and retirement eligibility varies by provider and individual circumstances. SSN or ITIN information explains general concepts and does not guarantee account approval or determine immigration status. Verify current information with the relevant institution or government agency before acting.
Investment risk and outcomes
Investments can lose value, including principal. Diversification does not eliminate risk. Examples are illustrative and do not promise returns, savings, debt reduction, credit-score changes, or other results. Past results do not guarantee future performance.
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