**I am not affiliated with Dave Ramsey's Financial Peace University, Tom Wheelwright Wealthability, or Nerd Wallet. The Gabby Dade Institute ™ does not provide tax, legal, or accounting advice. The materials provided have been prepared for informational purposes only, and are not intended to provide tax, legal, or accounting advice. The materials may or may not reflect the most current legislative or regulatory requirements or the requirements of specific industries or of states. These materials are not tax advice and are not intended or written to be used, and cannot be used, for purposes of avoiding tax penalties that may be imposed on any taxpayer. Readers should consult their own tax, legal, and accounting advisors before applying the laws to their particular situations or engaging in any transaction.