Llama Money is not a financial adviser. I don’t have any cool letters after my name like CFP, CMFC, CPO CPA CFA BBC or DBY. I probably even made up some of those abbreviations.  Please remember, my advice is free, and is worth every penny that you pay.

My goal is to share my experiences, and any successes / failures that I may have.  I will give tips when i can, but please remember the above.  Before acting upon anything you read here, please assume that I benefit personally from everything I write.  Further assume that I’m a complete idiot.  If you keep this in mind, I think you’ll keep yourself from being disappointed.