Legal
Terms of use
The rules for using this site. Plain language, no surprises.
Last updated: August 2026
This is a draft, not attorney-reviewed language
I’ve written this to cover what this site actually does, so a lawyer has something concrete to work from rather than starting blank. Have counsel review it — along with the calculator and the Roth page — before you go live. I’m not a lawyer and this isn’t legal advice.
Using this site
You are welcome to read this site, use its tools, and download and print the worksheets for your personal use. By using the site you agree to these terms.
The worksheets are free — use them
Every worksheet here is free, with no signup and no proof of purchase. Print them. Fill them out. Share the links with your friends, your son, your ward, or your institute class.
What you may not do is repackage them, sell them, or present them as your own work. If you want to use them in a class or group setting, that is encouraged — just keep the attribution intact, and get in touch if you would like something adapted.
What belongs to whom
The book, its text, the framework, the worksheets, and the design of this site are the intellectual property of Ben H Roberts and are protected by copyright. Anything you write into the tools on this site belongs entirely to you — we never receive it, so we could not claim it even if we wanted to.
This is education, not professional advice
This site discusses money, health, faith, relationships, and career decisions. It is offered as education and personal experience, not as professional advice. Ben Roberts is not a licensed financial advisor, attorney, physician, or therapist.
Before making a significant financial, legal, medical, or mental health decision, talk to a licensed professional who knows your actual situation. See the financial disclaimer for more on the calculator specifically.
Buying the book
Books are sold and fulfilled through Amazon and Audible. Purchases, payment, shipping, returns, and refunds are governed by their terms, not ours. For an order or shipping problem, their support will resolve it fastest.
Links to other sites
We link to outside resources where they are genuinely useful. We do not control them and are not responsible for their content. We take no compensation from any investment platform, brokerage, or financial product mentioned on this site.
No guarantees
This site is provided as is. We work to keep it accurate and available, but we do not promise it will be error-free or uninterrupted, and we are not liable for losses arising from your use of it or from decisions you make based on it. The framework in this book is a process, not a promise of any particular outcome.
Not a Church publication
This is an independent work. It is not published, endorsed by, sponsored by, or affiliated with The Church of Jesus Christ of Latter-day Saints. Views expressed here are Ben’s own.
Changes
These terms may be updated. Continuing to use the site after a change means you accept the revised terms.