A serious page about what the case study numbers mean, what they don't mean, and why you should still see a licensed professional before you act on anything you read here.
Plain English first: The dollar figures in our case studies (Jordan's $26,470 swing, Aaliyah's $72,200, Darius's $68,166) are real outcomes for real individuals in their specific situations. They are not typical, average, or promised. Most people who read the Money Moves Guide will see meaningfully different results — some larger, some smaller, some none at all.
Everything on this website — the homepage, the Tax Leak Calculator, the Money Moves Guide, the blog, the social content, the email newsletter, and every video, image, or document associated with Young Money Creators — is published for educational and informational purposes only.
It is not:
Andrae Alexander and Alexa Marie are educators and business operators, not Certified Public Accountants (CPAs), Certified Financial Planners (CFPs), Enrolled Agents (EAs), Registered Investment Advisors (RIAs), or licensed attorneys. We do not hold any state or federal license to provide individualized financial, tax, or legal advice.
The strategies in the Money Moves Guide are sourced from publicly available IRS publications, the Internal Revenue Code, US Small Business Administration guidance, peer-reviewed financial research, and real-world application by the founders to their own businesses and the businesses of people who taught them.
Each case study figure on this site (e.g., "$26,470 single-year swing," "$72,200 two-year difference") represents the actual difference between (a) what the named individual paid or kept under their previous structure and (b) what they paid or kept after applying specific strategies from the Money Moves system. The figures are documented and verifiable to those individuals' returns and statements.
Required FTC-style statement: Past results are not indicative of future results. The case studies on this site are not typical and your results will vary. Many people who read educational materials make no changes and see no financial benefit.
The free Tax Leak Calculator on this site provides an estimated annual financial leak based on the inputs you provide. The estimate uses publicly published IRS rates, common deduction averages, and projected investment growth at standard assumptions. It is a directional educational tool — not a prepared tax return, not personalized advice, and not a guarantee of savings if you take action.
US tax law changes frequently — sometimes mid-year, sometimes retroactively. The strategies described in the Money Moves Guide reflect federal tax law as of the publication date. State and local tax law varies by jurisdiction and is not the focus of the guide. Always verify current law before acting.
Any reference to investment vehicles (index funds, retirement accounts, asset allocation, etc.) is for educational illustration only. We do not recommend specific securities, funds, or brokerages. All investing involves risk, including the risk of loss of principal. Past performance does not guarantee future results.
NIL (Name, Image, Likeness) rules vary by NCAA division, conference, state law, and individual school compliance policy. The Money Moves Guide covers the federal tax treatment of NIL income — but does NOT cover NCAA eligibility, conference compliance, school-specific reporting requirements, or state NIL legislation. Before signing any NIL deal, consult your school's compliance office and a licensed attorney familiar with collegiate athletics law.
Before you act on anything you learn from us: hire a licensed CPA, tax attorney, or financial advisor who can review your full situation. The Money Moves Guide is designed to help you walk into that conversation prepared — not replace it. Chapter 9 of the guide covers exactly how to have a productive CPA conversation and what to ask.
Purchasing the Money Moves Guide, using the Tax Leak Calculator, subscribing to the newsletter, or otherwise engaging with Young Money Creators does NOT create a fiduciary, attorney-client, CPA-client, or advisor-client relationship between you and the founders or the company.
We may earn commissions from links to tools or services we recommend (e.g., bookkeeping software, banking products). When this happens, we disclose it inline near the link. We only recommend products we have actually used and believe genuinely help our audience. Commissions do not influence our editorial decisions.
Any references to "what your money could become," "potential savings over 5 years," or similar projections are estimates based on stated assumptions. Actual outcomes depend on inputs no projection can know — your discipline, your income trajectory, market conditions, tax changes, and life events.
By using this site or any product we sell, you acknowledge that you are solely responsible for your own financial decisions. You agree to hold Young Money Creators, its founders, employees, and contractors harmless from any loss, damage, penalty, or claim arising from your decisions or actions taken in reliance on educational content from us. See the Terms of Service for the full liability framework.
If anything in this disclaimer is unclear, email [email protected]. We'd rather answer the question than have you guess.