1. Educational use only
Invest with Prudie is a financial education publisher. The Wealth Blueprint is an illustrative model. It takes the answers you type in and applies published, widely available general planning frameworks to them. It shows you the reasoning behind each output precisely so that you can evaluate that reasoning yourself and disagree with it.
The Blueprint does not know your full financial picture. It does not know your debts beyond what you reported, your health, your dependents, your job security, your marital status, your estate, your existing holdings, your cost basis, your state tax situation, or your goals beyond the categories you selected. You are the only person who can decide what to do with your money.
2. Not investment advice. No adviser relationship.
Invest with Prudie is not a registered investment adviser, not a broker-dealer, not a bank, not an insurance producer, and not a certified financial planner or CPA firm. It is not registered with the U.S. Securities and Exchange Commission, with FINRA, or with the California Department of Financial Protection and Innovation.
Using this site does not create an adviser-client, fiduciary, agency, or professional relationship of any kind. No one at Invest with Prudie is compensated for recommending any specific security, fund, product, platform, or provider, and no such recommendation is made.
Consider consulting professionals. Before making any financial decision, consider consulting a licensed, fee-only fiduciary financial adviser, a qualified tax professional, and where relevant an attorney, each of whom can consider facts about your situation that this site cannot see.
3. Projections are hypothetical
Every forward-looking figure on this site, including retirement projections, tax drag estimates, compounding illustrations, "what if" scenarios, and peer benchmarks, is hypothetical and illustrative. Hypothetical results have inherent limitations. They are calculated with the benefit of hindsight, they do not reflect actual trading, and they cannot account for the financial risk, liquidity constraints, emotional pressure, and timing decisions of investing real money.
- Past performance does not predict future results. Historical averages are averages of a past that will not repeat.
- The assumptions will be wrong. Projections rely on assumed rates of return, inflation, contribution consistency, and tax rules that will not match your actual future.
- Investing involves risk of loss, including the total loss of principal. Diversification and asset allocation do not guarantee a profit and do not protect against loss in a declining market.
- No result is guaranteed. Nothing on this site should be read as a promise, projection, or assurance of any specific financial outcome.
4. Tax information is general
Tax figures on this site use federal rules only and reflect our understanding of them as of the date shown. State and local taxes are not modeled and can materially change your outcome. Tax law changes, and it can change retroactively. Contribution limits, brackets, and phase-outs are adjusted regularly.
Nothing here is tax advice, and it is not a covered opinion or written tax advice you may rely on to avoid penalties. Confirm every tax figure with a qualified tax professional or the IRS before acting on it.
5. Accuracy, errors, and third-party content
We work to keep this site accurate, and we show our sources and our math. We do not warrant that it is accurate, complete, current, or error-free. Calculators can contain bugs. Data can be stale. Rules change. Verify anything you plan to act on.
Links to third-party sites, tools, brokerages, or research are provided for convenience. We do not control them, do not endorse them, and are not responsible for their content, their accuracy, or their privacy practices.
6. No affiliate compensation on recommendations
Invest with Prudie does not accept payment from any brokerage, fund company, or financial product provider in exchange for mentioning, ranking, or favoring them. Revenue comes from subscriptions paid by users. If that ever changes, this disclosure will change with it, in advance.
7. What we charge for
Invest with Prudie sells one thing: a financial education course. The paid tier, Pro, unlocks Lessons 6 through 25 of the curriculum and nothing else.
The Wealth Blueprint is free, in full, permanently, as is every tool inside it: the Wealth Engine Score, the target allocation, the account funding waterfall, the rebalancing check, the tax drag projector, the retirement projection, and the ranked action plan. There is no paid version of the Blueprint, no premium recommendation layer, and no ongoing personalized service of any kind. We do not receive compensation of any form in exchange for the personalized output the Blueprint produces.
This matters, and it is deliberate. It means Invest with Prudie is compensated for general educational publishing and not for advice about the advisability of investing in any security. Nobody pays us for a recommendation, because we do not make recommendations.
8. Your data and your privacy rights
What we collect from the Wealth Blueprint: your first name, your email address, and the answers you select. Your consent choices and the date you made them.
What we do not do: we do not sell your personal information, we do not share it for cross-context behavioral advertising, and we do not connect to, request, or store your bank or brokerage credentials, account numbers, Social Security number, or date of birth.
Why we collect it: to deliver the Blueprint you asked for, to let you return to it, and, only if you separately opted in, to send you educational emails. Marketing emails are optional and are never a condition of receiving your Blueprint.
If you are in California (CCPA/CPRA): you have the right to know what personal information we hold, to request deletion, to request correction, to opt out of sale or sharing (we do neither), and to be free from retaliation for exercising these rights.
If you are in the EU, EEA, or UK (GDPR): you have the right to access, rectify, erase, restrict, and port your data, and to object to processing. Where we process your data to send you optional marketing, the legal basis is your consent, which you may withdraw at any time without affecting the lawfulness of processing before withdrawal. Where we process your data to deliver the Blueprint you requested, the legal basis is performance of your request. You may also lodge a complaint with your local supervisory authority.
To exercise any of these rights, email privacy@investwithprudie.com. We will respond within the timeframe your jurisdiction requires. Every marketing email also carries a one-click unsubscribe link.
See the full Privacy for details on cookies, analytics, and retention.
9. Eligibility
This site is intended for adults 18 years or older and is directed at users in the United States. We do not knowingly collect information from children. Content here is not an offer or solicitation in any jurisdiction where such an offer would be unlawful.
10. Assumption of risk and limitation of liability
You use this site at your own risk, and you are solely responsible for your financial decisions and their consequences. To the fullest extent permitted by law, Invest with Prudie, its founder, and its contributors disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, and are not liable for any investment loss, lost profits, lost opportunity, tax consequence, or indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of this site or reliance on anything in it.
Additional terms, including the governing law and dispute resolution provisions that apply to you, are set out in the Terms.
11. Contact
Invest with Prudie
General: hello@investwithprudie.com
Privacy and data rights: privacy@investwithprudie.com