Welcome to DollarGrind. These rules exist to keep the forum useful and civil. Breaking them may result in post removal, temporary bans, or permanent bans depending on severity. Moderators reserve the right to take action at their discretion.
Disagree with ideas, not people. No personal attacks, name-calling, or harassment. You can say "I think that strategy is wrong because..." but not "you're an idiot for thinking that." We're all here to learn.
Nothing on this forum constitutes professional financial advice. We are a community of amateur enthusiasts sharing opinions and experiences. Do not make major financial decisions solely based on forum posts. Consult a licensed financial advisor for personalized advice.
DollarGrind, its moderators, and its members are not responsible for any financial losses resulting from information shared on this forum.
Do not post referral links, affiliate links, or promote your blog/YouTube channel/newsletter without moderator approval. First offense gets a warning, second is a ban. We get enough spam from bots as it is.
Exception: sharing a relevant tool or resource you created is fine IF you disclose that it's yours and IF the post is genuinely helpful (not just "check out my site!").
Common questions like "what's the best HYSA" or "should I pay off debt or invest" have been answered many times. Please use the search function before starting a new thread. Duplicate threads may be locked with a redirect to the existing discussion.
Post in the appropriate category. Keep discussion related to personal finance. Off-topic posts will be moved or removed. Political discussion is allowed only when directly relevant to personal finance (e.g. tax policy changes). Keep it civil.
Do not post advice on tax evasion, fraud, or other illegal activities. Tax avoidance (legal strategies to minimize taxes) is fine. Tax evasion (lying to the IRS) is not. If you're not sure about the difference, probably don't post it.
Signatures must be 3 lines or fewer. No images in signatures. No links to commercial sites. A link to your blog is ok if it's a personal finance blog and not primarily commercial. Moderators may ask you to edit your signature if it's too long or disruptive.
Do not create multiple accounts. If you get banned, creating a new account to circumvent the ban will result in a permanent IP ban. If you forgot your password, contact a moderator.
If someone breaks the rules, use the Report button. Do not engage in flame wars or "call out" posts. Let the moderators handle it. We check reports daily (usually).
DollarGrind is a community discussion forum. All opinions expressed are those of individual members and do not represent financial advice. Past performance of any investment does not guarantee future results. Always do your own research and consult with a qualified financial professional before making investment decisions. DollarGrind.org is not affiliated with any financial institution mentioned on this forum.