Effective date: August 14, 2026. Last updated August 14, 2026.
PFBoss (pfboss.com) is a personal-finance blog published by Tiny House Media, LLC. It is part of the Tiny House Media family of sites, which also includes TinyHouseTalk.com and ComedyNewsletter.com.
Please read this before you do anything with a dollar because of something you saw here.
Entertainment and education only
Everything on PFBoss is for entertainment and educational purposes only. We write fictional money stories and general how-to articles so tracking cash flow and net worth feels normal. That is not the same thing as telling you what to do with your money.
Not financial, investment, tax, or legal advice
Nothing on this site is financial advice, investment advice, tax advice, or legal advice. We are not your advisor, planner, broker, CPA, or attorney. Reading PFBoss does not create a client relationship, an advisory relationship, or a fiduciary duty. Tiny House Media, LLC and PFBoss are not fiduciaries to you.
If you want advice about your situation, talk to a licensed financial advisor, a CPA, and/or a tax attorney who knows your numbers, your state, and your goals.
The people and the numbers are fictional
The characters on PFBoss — Maya, Derek, Priya, Jordan, Taylor, and the rest of the cast — are fictional. Their jobs, paychecks, debts, investment accounts, and monthly reports are hypothetical. They are inspired by real-world situations (college jobs, retail hours, RSUs, irregular gig pay), but they are not real people and the figures are invented for storytelling.
Any “performance,” payoff timeline, or net-worth change you see is hypothetical. It is not a track record. It is not a promise.
Markets go down. Past results are not future results.
When we talk about automatic contributions to a broad U.S. large-cap index (often the S&P 500) or other common approaches such as a total-market fund or a target-date fund, we are describing how those ideas work in general, not recommending a product or a plan for you.
Stock markets fall. Sometimes they fall for years. Concentration in U.S. large-cap companies is a real risk. Past performance does not predict future results. You can lose money.
No liability for actions you take
You are responsible for your own decisions. Tiny House Media, LLC, PFBoss, and the people who write for this site assume no liability for any loss, tax bill, missed opportunity, or other consequence that comes from using (or ignoring) the content.
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