Terms & Disclosures

Last updated: February 21, 2026

Financial Disclaimer

The Enough Number™ Calculator and all content on enoughnumber.com are provided for educational and informational purposes only. Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.

The calculator produces estimates based on simplified mathematical models. These estimates rely on assumptions — including a fixed annual rate of return, consistent monthly savings, and a withdrawal rate based on the widely-cited 4% rule (Bengen, 1994; Trinity Study, 1998) — that may not reflect your actual financial circumstances, risk tolerance, tax situation, or market conditions.

The results generated by this calculator should not be relied upon as the basis for making financial decisions. Actual investment returns fluctuate significantly from year to year. Past performance does not guarantee future results. Inflation, taxes, healthcare costs, changes in expenses, market volatility, and personal circumstances can materially alter your financial trajectory.

Before making any financial decisions, you should consult with a qualified, licensed financial advisor, tax professional, or other appropriate professional who can evaluate your specific situation and provide personalised recommendations.

The operators of this website are not registered investment advisors, broker-dealers, financial planners, tax advisors, or licensed professionals in any financial services capacity. This website is not registered with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any state securities regulatory authority. No fiduciary relationship, advisory relationship, or client relationship is created by your use of this website.

Regarding the Freedom Fund / Enough Number calculation: The target amount shown (25× annual expenses) represents a portfolio that needs to be invested in diversified assets that generate returns — not simply held in a savings account. The 4% safe withdrawal rate assumes a diversified investment portfolio (typically a mix of equities and bonds) over a 30+ year period. Holding this amount in cash or low-yield savings would not sustain the withdrawal rate assumed by this model. Investment returns are not guaranteed, and all investing involves risk, including the potential loss of principal.

Terms of Use

Acceptance of Terms

By accessing or using enoughnumber.com (the "Website"), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use this Website.

Use of the Calculator

The Enough Number™ Calculator is a free educational tool. You may use it for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works based on the calculator's design, code, branding, or methodology without express written permission from the Website's operators.

Intellectual Property

The name "Enough Number," the Enough Number™ Calculator, the three-milestone framework (Safety Net Fund, Transition Fund, Freedom Fund), and all associated branding, design, and content are the intellectual property of GoddessBoss LLC. All rights reserved. The ™ symbol indicates a trademark claim.

No Warranty

This Website and the calculator are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the calculator will produce accurate or complete results, that the Website will be uninterrupted or error-free, or that any defects will be corrected.

Limitation of Liability

To the fullest extent permitted by applicable law, the operators of this Website, including GoddessBoss LLC, its owners, employees, contractors, and affiliates, shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your use of this Website or the calculator, including but not limited to financial losses, investment losses, or decisions made in reliance on information provided by this Website.

Indemnification

You agree to indemnify, defend, and hold harmless the operators of this Website and GoddessBoss LLC from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising out of or relating to your use of this Website, your violation of these Terms, or your violation of any rights of any third party.

Modifications

We reserve the right to modify these Terms at any time. Changes take effect immediately upon posting to this page. Your continued use of the Website following any changes constitutes acceptance of the revised Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Privacy Policy

This policy applies to all users of enoughnumber.com.

Data Controller

Personal data collected through this Website is managed by GoddessBoss LLC. For privacy-related inquiries, please see the Contact section below.

Information We Collect

Calculator Inputs: The numbers you enter into the calculator (expenses, savings, age, etc.) are processed entirely in your browser using client-side JavaScript. They are never transmitted to our servers, stored in any database, logged, or shared with any third party. Your financial data never leaves your device. We have no access to it.

Email Address: If you voluntarily subscribe to updates, we collect your email address. This is the only personal data we collect. You are under no obligation to provide your email address, and the calculator is fully functional without it.

Consent

By entering your email and clicking "Subscribe," you are consenting to receive email communications from Enough Number. You may withdraw this consent at any time by unsubscribing (see Your Rights below).

How We Use Your Information

Email addresses are used solely to send periodic updates about new tools, content, and features related to Enough Number and financial education.
We do not sell, rent, trade, or otherwise share your email address with any third party for their own purposes.
We do not send unsolicited commercial email unrelated to Enough Number.
We do not use your email for profiling, automated decision-making, or targeted advertising.

Third-Party Data Processors

Your email may be processed by the following categories of third-party services acting as data processors on our behalf:

Email marketing platforms (such as ConvertKit or Mailchimp) for sending communications
Workflow automation services (such as Zapier) for routing form submissions

These processors are contractually obligated to handle your data only for the purposes we specify and in accordance with their own privacy policies.

Cookies and Tracking

This Website uses Google Analytics 4 (GA4) to collect anonymized, aggregated usage data such as page views, traffic sources, and device types. GA4 may set cookies on your device to distinguish users and sessions. No personally identifiable financial data is collected through analytics — calculator inputs are never transmitted or tracked. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Data Retention

Email addresses are retained only for as long as you remain subscribed. Upon unsubscription, your email address will be removed from our active mailing list. Residual copies may persist in encrypted backups for up to 30 days before being permanently deleted.

Your Rights

You have the following rights regarding your personal data:

Right of access — request a copy of the personal data we hold about you
Right to correction — request correction of inaccurate data
Right to deletion — request deletion of your data
Right to opt out — opt out of marketing communications at any time

You may unsubscribe at any time using the link provided in every email we send. For any other requests, contact us using the details below. We will respond within 30 days.

California residents: Under the California Consumer Privacy Act (CCPA), you have the right to know what personal information we collect, to request its deletion, and to opt out of the sale of personal information. We do not sell your personal information.

Children's Privacy

This Website is not directed at individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal data from a child under 13 without appropriate parental consent, we will take steps to delete that information promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be indicated by updating the "Last updated" date at the top of this page. We encourage you to review this page periodically.

Contact

For questions about these terms, our privacy practices, to exercise your data protection rights, or to request data deletion, please contact:

GoddessBoss LLC
Email: [email protected]