[FAQ]

Hi,

I’m in the process of launching a new podcast focused on personal finance tips for people in their twenties. I’m really passionate about the topic and I’m not a financial advisor or anything, just someone who has learned a lot and wants to share.

As I’m scripting my first few episodes, a thought popped into my head that made me a little nervous: could I get into trouble for this? If I’m giving tips on budgeting or saving, and someone takes that advice and it doesn’t work out for them, could there be legal issues?

I see some of the big finance shows have these formal-sounding disclaimers. Is this something I need to do as well? If so, what should it even say? Any advice from podcasters in similar “advice-giving” niches would be greatly appreciated.

Thanks!

[Jeff Bullas]

This is a critical question that many podcasters overlook.

Short Answer: Yes, if you are offering any form of advice—especially in finance, health, or legal fields—a clear disclaimer is an essential risk management tool.

A disclaimer’s purpose is to clearly define the nature of your content and manage your audience’s expectations.

The most effective format is a dual approach: a verbal disclaimer read during the intro or outro of your episode and a written version included in your show notes. The content of the disclaimer itself should clearly state three key things. The first is that the information is for educational or entertainment purposes only, the second is that it does not constitute professional advice, and the third is a recommendation that listeners consult a licensed professional for their specific needs. This needs to be applied consistently across all relevant episodes to be effective. It’s a dangerous mistake to believe a disclaimer makes you completely immune to legal action; it’s a risk mitigation tool, not an impenetrable shield. Always operate within your field of expertise.

Cheers,
Jeff

[Author]

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