Educational only, not financial advice.

Everything SGC Studio publishes, including products, videos and this website, is for general educational purposes only. It is not financial, legal, tax, accounting or credit-counseling advice, and it is not tailored to your situation.

No professional relationship

Buying a product or watching a video does not create any advisory relationship. SGC Studio is not a lender, credit repair company, law firm or financial adviser, and never acts on your behalf with bureaus, creditors or collectors.

No guaranteed results

We make no promise of any outcome: no guaranteed debt-free date, credit score increase, savings amount or income from clipping or any other online work. Results depend on your circumstances and actions.

Examples and estimates

All examples use fictional people and numbers. Spreadsheet calculations are estimates based on simplified assumptions. Your statements, contracts and official sources always control.

Get qualified help

If you can't cover minimum payments, face legal action, garnishment or bankruptcy, or have tax or legal questions, speak to a qualified professional or a nonprofit credit counselor.

Third parties

Payments and delivery are handled by Gumroad. References to other services or official sources are for information; we are not affiliated with them.