9 Step Money Roadmap

Disclaimer

Last updated: 15 September 2026

The information provided on AdamRance.com, in books, downloadable guides, worksheets, calculators, emails, videos, social media content and other materials published by Adam Rance is provided for general educational and informational purposes only.

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Nothing published by Adam Rance should be considered personalised financial, investment, pension, mortgage, tax, legal or other professional advice.

The information provided does not take into account your individual financial circumstances, objectives, attitude to risk or needs.

You are responsible for your own financial decisions.

Where appropriate, consider obtaining advice from a suitably qualified and regulated professional before making significant financial decisions.

Investing

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The value of investments can rise as well as fall, and you may receive back less than you originally invested.

Past performance is not a reliable indicator of future results.

Any investments, funds, ETFs, asset classes, strategies or examples discussed on this website or in associated content are provided for educational purposes and should not be interpreted as recommendations to buy, sell or hold any particular investment.

Financial Independence and FIRE

Any Financial Independence / FIRE calculations, withdrawal rates, projections or examples are illustrative only.

Common concepts such as the 4% rule are based on historical research and assumptions and do not guarantee that a particular withdrawal strategy will be successful in the future.

Actual outcomes can be affected by investment returns, inflation, taxes, fees, spending, market conditions, longevity and many other factors.

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They are estimates rather than predictions or guarantees.

Do not rely solely on a calculator or example on this website when making an important financial decision.

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Never gamble with money you cannot afford to lose.

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By using this website and its content, you acknowledge that financial decisions involve risk and that you remain responsible for your own decisions.