The content in this website is based on personal experiences. The author (Javier Gutierrez) does not hold any financial advising licenses or law licenses in the state of Texas where he resides. www.dreamermoney.com (the “Site”) is intended to display the author’s personal experiences with money and will not be held liable for any reader, corporation, or other entity mishandling of their money. Before making any financial decisions, a licensed financial adviser should be consulted.The author’s intention is to do no harm but to relate his personal experiences and opinions directly. www.dreamermoney.com and its content validity are constantly changing much like the author’s knowledge and research.