Not Financial Advice
The content on this website, in The Resale Trap book, and across all related materials (blog posts, calculators, tools, glossary entries, and social media) is provided for informational and educational purposes only. Nothing on this site constitutes financial advice, investment advice, real estate advice, tax advice, legal advice, or insurance advice.
No Professional Relationship
J.A. Watte is an author and researcher — not a licensed financial advisor, registered investment advisor (RIA), certified financial planner (CFP), real estate agent or broker, attorney, certified public accountant (CPA), enrolled agent (EA), or licensed insurance professional. No professional-client relationship is formed by visiting this website, reading the book, or using any tools provided here.
Do Your Own Research
All cost models, state rankings, calculators, and data analyses presented on this site and in the book are based on publicly available institutional data from sources including NAHB, RS Means, FHFA, BLS, Census Bureau, Harvard Joint Center for Housing Studies, NAIC, and the Insurance Information Institute. While every effort has been made to ensure accuracy, you should independently verify all data before making decisions.
Real estate markets, insurance rates, construction costs, tax laws, and interest rates vary by location and change over time. The data in the book and on this site reflects conditions at the time of research and publication. Your results will differ based on your specific circumstances.
Consult Qualified Professionals
Before making any financial, real estate, insurance, tax, or legal decision, consult with appropriately licensed professionals, including but not limited to:
- A licensed real estate agent or broker for property transactions
- A certified financial planner (CFP) or registered investment advisor for investment decisions
- A certified public accountant (CPA) or enrolled agent for tax planning
- A licensed insurance agent or broker for coverage decisions
- A real estate attorney for contract review and legal questions
- A licensed general contractor for construction cost estimates
- A licensed home inspector for property condition assessments
No Guarantees
Past performance of real estate markets, construction costs, insurance rates, or any other data presented does not guarantee future results. The 25-year cost model is a projection based on historical data and stated assumptions — it is not a prediction. Actual costs will vary based on location, timing, market conditions, individual property characteristics, maintenance decisions, and factors outside anyone's control.
Calculator Disclaimer
The Build vs Buy Calculator on this site is a simplified educational tool. It uses generalized assumptions and should not be used as the sole basis for any financial decision. The calculator does not account for all variables that affect home ownership costs, including but not limited to: specific lot conditions, local zoning, HOA fees, utility costs, commute costs, school quality, neighborhood appreciation/depreciation trends, or personal financial circumstances.
Affiliate Links & Amazon
This site contains links to Amazon.com for book purchases. When you click these links and make a purchase, the author may earn a commission at no additional cost to you. This does not influence the data, analysis, or recommendations presented in the book or on this site.
Third-Party Content
References to other books, authors, companies, or organizations (including Rich Dad Poor Dad, The Millionaire Real Estate Investor, Zillow, BiggerPockets, and others) are for educational comparison purposes only. These references constitute fair use commentary and do not imply endorsement, affiliation, or sponsorship by those parties.
Limitation of Liability
To the maximum extent permitted by law, J.A. Watte, The Resale Trap, and theresaletrap.com shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, the book, or any tools or calculators provided. You use all information at your own risk.
Contact
If you have questions about this disclaimer, contact us at help@theresaletrap.com or use the contact page.
Last updated: April 6, 2026