Disclaimer: The information contained on this site is for educational purposes only and should not be construed as specific financial advice. Tammie Evans, as a financial coach/counselor, is not an attorney nor accountant, and does not provide financial advice. The information on this site is not a substitute for financial advice from a licensed professional who is familiar with your particular situation. Your Smart Money Decisions nor Tammie Evans shall be held liable for any damage you may suffer as a result of failing to seek financial advice from a licensed professional.