We are entering a new economic age, defined not by capital or labor, but by partnership with artificial intelligence. Our reliance on these powerful collaborators benefits from taking inventory of classic economic principles, particularly the division of labor, and fine-tuning our approach. If we confuse the machine's ability to execute consistently (Precision) with its capacity for goal setting (Accuracy), we set ourselves up for failure. Mastering this partnership requires

Are hidden fees, confusing disclosures, and endless notifications costing you your financial future? At PFR, we call this "sludge"—the hidden friction that makes good financial decisions challenging to execute. Sludge drains your attention, depletes your willpower, and forces you to settle for the status quo, often leading to wasted money and missed opportunities for wealth building. It’s an invisible enemy, but its impact is real. You don't have to live in the financial mud!

Welcome! Good evening, everyone. I look around this room and see something truly powerful: a group of dedicated high school parents. Thank you for taking the time to be here tonight. You are already demonstrating the kind of focus your child needs. I want us to spend our time together exploring one of the most significant moments in your child’s life—the college decision. My goal is simple: I want you to leave here excited, energized, and deeply focused on how you can help yo

Sound personal finance requires a discipline simple in concept yet challenging in practice: living beneath one’s means. This choice enables consistent saving and systematic investment, unlocking the breathtaking power of compound interest. Mathematically, the principle is certain: small, regular investments—especially those commenced early in life—increase at an increasing rate, transforming modest resources into massive, sustaining wealth over decades. Executing this strateg