Educational Disclaimer

Everything in FincluYou — the household qualification, the pay-in-this-order list, the spending advice, and the AI advisor — is educational content. It is not professional financial, investment, tax, credit-counseling, or legal advice, and using the app does not create an advisor-client relationship.

Assistance-program matches (SNAP, WIC, Medicaid, LIHEAP, EITC, ACA credits, and others) are approximate. Each program applies its own rules, verifies your circumstances, and makes the final decision. Always confirm eligibility and apply directly with the program.

Tier calculations are based on the published federal poverty guidelines and simplified assumptions. Real programs may count income and household members differently. Treat your tier as a starting point for learning, not an official determination.

You are responsible for your financial decisions. Before making significant choices — taking on debt, missing a payment, selling an asset, or changing insurance — consider speaking with a qualified professional or a free nonprofit credit counselor.