Educational Disclaimer

Everything on this site — the videos, the free sheet, the Method Scoreboard, and any future product — is education about budgeting methods and money systems. None of it is personalized financial, tax, legal, or investment advice, and none of it should be treated as a recommendation for your specific situation.

The test family is a model household: a fixed set of income, bill, tax, and debt figures, built from sourced US data and run through the same spreadsheet every month. What a method finds or breaks for this household is not a prediction of what it will do for yours — your numbers are your own.

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If you need advice specific to your finances, taxes, or legal situation, talk to a licensed professional.