Frequently asked questions

Instantly. After checkout you're taken to a download page, and we email a receipt with permanent download links. Your files are yours forever.

Yes. Our workbooks are standard Excel files (.xlsx) that work on Mac, Windows, and Excel for the web — Microsoft 365 is recommended for the best experience. (Google Sheets can import .xlsx files, but we officially support Excel only.)

No. Everything arrives pre-built — formulas, charts, and dashboards are done. You type into clearly marked input cells, and every product ships with a Start Here guide.

All major credit and debit cards, Apple Pay, and Google Pay — processed securely by Stripe. We never see or store your card details.

Because this is a digital product with immediate access, purchases are generally non-refundable once the files have been accessed or downloaded. If you experience a technical issue, broken formula, or the product is materially different from its description, contact us within 30 days and we'll work to make it right.

Absolutely — enter the recipient's email at checkout, or forward the download email. Gift cards are on our roadmap.

Every purchase includes a personal-use license: use it for yourself and your household, on all your devices, forever. You may not resell, redistribute, or share the files publicly.

Yes — financial coaches, advisors, and educators can license products for client use. Contact us for team and commercial pricing.

No. Merieva provides educational tools and information, not personalized financial, legal, or tax advice. Our products help you organize, understand, and plan — for decisions specific to your situation, consult a licensed professional.

The old-fashioned way: we sell useful products at honest prices. We don't sell your data, run ads, or push affiliate products we don't believe in.

A small team obsessed with two things: financial clarity and beautiful, durable tools. Every product is used by our own team before it ships.

Sometimes. Under the IRS exception often called the Rule of 55, if you separate from your employer during or after the calendar year you reach age 55, distributions from that employer's 401(k) or 403(b) are exempt from the 10% early-withdrawal penalty (IRS Topic 558, verified August 2026). The exemption covers only that employer's plan — not IRAs or old plans from earlier jobs — withdrawals remain ordinary income, and your plan's own rules govern what withdrawals it allows. Merieva provides educational tools, not financial or tax advice.

Generally yes. The IRS exception turns on separation from service in or after the year you reach 55 — it does not distinguish between quitting, retiring, or losing the job (irs.gov, verified August 2026). The same fine print applies either way, including the calendar-year test and the IRA exclusion.

The exemption ends for that money. The age-55 exception exists for qualified employer plans, not IRAs — the IRS exceptions table lists it as unavailable for IRAs (verified August 2026). Once funds are rolled into an IRA, early withdrawals generally face the 10% penalty unless a different exception, such as 72(t) substantially equal periodic payments, applies. There is no way to restore the exemption afterward.

Yes. Payment platforms are required to send Form 1099-K only when your gross payments exceed $20,000 and 200 transactions in a year (irs.gov, verified August 2026), but taxable income is taxable whether or not a form arrives — profit from reselling is reportable income even if you never see a 1099-K. Merieva provides educational tools, not financial or tax advice; a tax professional can confirm how the rules apply to you.

Generally not right away. Under the IRS's normal inventory rules, the cost of an item is recovered through cost of goods sold in the year the item sells, not the year you bought it (IRS Publication 334, verified August 2026). Qualifying small businesses can use simplified methods that treat inventory more like supplies — which one applies to you is a question for a tax professional. Either way, a garage full of unsold purchases is not automatically a write-off.

Usually yes, if you keep a log. Miles driven for sourcing trips, post office runs, and supply stores can generally be deducted at the IRS standard business mileage rate — 72.5 cents per mile for 2026 (irs.gov, verified August 2026). Unrecorded miles are simply forfeited, so a simple mileage log is worth keeping. This is general information, not tax advice.