First Real Salary
2026 figures 401(k) limit $24,500IRA limit $7,500HSA self / family $4,400 / $8,750Standard deduction (single) $16,10012% bracket from $12,400FDIC coverage $250,000
First Real Salary

Terms and Conditions

Last updated: October 4, 2026

These Terms and Conditions ("Terms") govern your use of firstrealsalary.com/ (the "Site"), operated by Jorge Trigo ("First Real Salary", "we", "us"). By accessing the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

You may use the Site for personal, non-commercial purposes. You agree not to:

  • Copy, republish or redistribute our content without written permission, except for short quotations with a link back to the original article
  • Use automated tools to scrape or harvest content
  • Interfere with the Site’s security or operation
  • Use the Site for any unlawful purpose

2. No professional advice

All content is for general educational purposes and is not financial, investment, tax or legal advice. Please read our Disclaimer. You are solely responsible for your financial decisions.

3. Intellectual property

All content on the Site — including text, graphics, logos and design — is owned by First Real Salary or its licensors and is protected by copyright and other laws. “First Real Salary” and its logo are our trademarks.

4. User contributions

If you post comments or send us content, you grant us a non-exclusive, royalty-free license to use, display and edit it in connection with the Site. You are responsible for your contributions and agree not to post content that is unlawful, defamatory, hateful, spammy or infringing. We may remove any contribution at our discretion.

5. Third-party links and advertising

The Site contains links to third-party websites and displays third-party advertising. We are not responsible for third-party content, products, services or practices. Your dealings with third parties are solely between you and them.

6. Disclaimer of warranties

The Site and its content are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of accuracy, merchantability or fitness for a particular purpose.

7. Limitation of liability

To the fullest extent permitted by law, First Real Salary will not be liable for any indirect, incidental, special or consequential damages, or any loss of profits or data, arising from your use of the Site.

8. Indemnification

You agree to indemnify and hold harmless First Real Salary from any claims arising from your violation of these Terms or misuse of the Site.

9. Changes

We may update these Terms at any time. Continued use of the Site after changes are posted means you accept the revised Terms.

10. Governing law

These Terms are governed by the laws of Spain, without regard to conflict-of-law rules. Mandatory consumer protection laws of your place of residence still apply.

11. Contact

firstsalary@gmail.com