Terms
Last updated: October 26, 2026
Not financial advice
Everything on this site, in the guides and in the emails is general education and entertainment. It is not financial, investment, tax or legal advice. Your situation is your own: check with a licensed professional before making big money decisions.
Penny
Penny is an animated character. The tips are real, the character is fictional.
Results
Examples like "save $1,000 in 30 days" show what's possible, not a promise. Results depend on your income, expenses and what you actually do.
Digital products
Paid products are digital downloads delivered right after checkout through Polar. If something is wrong with your purchase, write to [email protected] within 14 days and we'll make it right or refund you.
Your use
The guides are for your personal use. Please don't resell or reupload them.