Cookie Policy

• EEA and UK visitors: Mediavine’s consent management platform may present options to accept, reject all, or manage preferences for advertising and related technologies. Mediavine says readers can revisit those choices through its Manage Preferences control.
• Visitors in applicable U.S. states: Mediavine may display a Do Not Sell or Share My Personal Information control for advertising-related opt-outs required by state privacy laws.
• Global Privacy Control (GPC): where a legally recognized universal opt-out signal applies, Mediavine states that its advertising privacy system supports GPC in states requiring such mechanisms. GPC affects processing covered by the applicable law and service; it is not a universal setting for every third-party service on the internet.
• Browser controls: you can block or delete cookies in your browser. Doing so may remove saved preferences and may cause consent choices to be requested again.

Rejecting non-essential cookies should not prevent access to our core editorial content, although some optional embedded or interactive features may work differently or be unavailable.

Cookies are small files or identifiers stored on or read from your browser or device. Websites and service providers may also use pixels, tags, local storage, and similar technologies for security, preferences, analytics, advertising, attribution, and interactive features.

Some technologies are first-party, meaning they are associated with michaelryanmoney.com. Others are provided by third parties whose names, cookie identifiers, purposes, and retention periods can change as their services change.

Cookie names, vendors, and durations can change. Your browser’s storage tools and the applicable consent-management interface provide the most current device-level view.

We use Google Analytics 4 to understand how the site is used. Google says GA4’s first-party _ga cookies distinguish users and maintain session state, with a default expiration of two years unless the site’s settings or browser rules shorten that period.

Google also provides consent controls that can change whether analytics or advertising storage is permitted. A consent banner or consent-management platform is separate from Google’s Consent Mode and is responsible for collecting the visitor’s choice.

Learn more in Google’s GA4 cookie documentation and Consent Mode documentation.

Mediavine manages programmatic advertising on this site. Its advertising services can use cookies, tags, pixels, beacons, device information, advertising identifiers, and similar technologies to deliver and measure advertising and, where permitted, personalize ads.

Our Privacy Policy contains Mediavine’s required Mediavine Programmatic Advertising (Ver 1.1) disclosure. For the current advertising-partner list and partner privacy information, see Mediavine Partners.

Mediavine’s consent platform is designed to show privacy choices based on location. In covered European regions, rejecting advertising consent results in contextual rather than personalized advertising. In applicable U.S. states, the site’s advertising privacy controls may provide an opt-out from sale/sharing or targeted advertising as those terms are defined by applicable law.

EEA and UK: non-essential cookies and similar device storage generally require consent where the ePrivacy/PECR rules apply. Consent must be an affirmative choice and can be withdrawn. Strictly necessary storage may be exempt from cookie-consent requirements. Any related processing of personal data is also subject to applicable data-protection law.

United States: privacy rights differ by state and may depend on whether a law applies to a particular business and type of processing. Where applicable, visitors may have rights to opt out of certain sales, sharing, or targeted advertising, including through recognized universal opt-out mechanisms.

Other regions: the controls shown to you may vary based on location and applicable law. This Cookie Policy does not expand or reduce rights provided by law.

1. Use the site’s regional privacy control when it appears. Depending on your location, this may be labeled Manage Preferences or Do Not Sell or Share My Personal Information.
2. If your browser supports Global Privacy Control, you may enable it to send an opt-out signal where that signal is legally recognized and supported.
3. Use your browser’s privacy settings to block or delete cookies. Browser controls can also remove previously saved consent preferences.
4. For interest-based advertising choices, you can also visit the National Advertising Initiative and Digital Advertising Alliance.

If a privacy control that should be available for your region is not appearing or working, contact us so we can investigate.

We may update this policy when our technology, service providers, advertising partners, or applicable requirements change. We will update the date at the top when we make material revisions. Third-party vendor lists and cookie identifiers may change more frequently than this page.

Questions about cookies, privacy choices, or data rights can be sent to michael@michaelryanmoney.com or through our Contact page.

For broader information about personal-data handling, access/deletion requests, third-party services, and privacy rights, see our Privacy Policy.