Disclaimer: Please note that any financial information on this site is not meant to be specific financial advice for you or your personal situation. I am not a licensed financial advisor. I am a physical therapist and have not received formal training in finance. Everything mentioned on this site is for entertainment and informational purposes only. Everyone’s situation is different, so if you are unsure about your personal finances, please seek a financial advisor that can consider your own individual case and make recommendations to you.