For centuries, the Golden Rule has been hailed as the ultimate moral compass: Do unto others as you would have them do unto you.  It’s a beautiful sentiment, but it relies on a flawed presumption: Our internal maps of 'the good' are similar. In reality, we are not a monolith of rational sameness. We are a collection of diverse individuals, each navigating our own unique cone of uncertainty. As I explore in Upgrade Your Mind , our rationality is not even close to being univer

For most families, the "college decision" is the single largest financial gamble they will ever take. We hand a 17-year-old a pen and ask them to sign off on a high-stakes, high-risk investment before they’ve even had their first full-time job. At Personal Finance Reimagined (PFR), we believe it’s time to move past the "degree-at-any-cost" mentality and start talking about ROI. I recently sat down with Dave Urso, Vice President of Academic Affairs at Blue Ridge Community Coll

David Hulett is the Hulett Brothers Co-president. Listen in to learn about the Hulett Brothers' history, the content creation business, and how the very young David Hulett has successfully negotiated global brand deals, real estate deals, and business operations deals.

In this special Negotiation Month edition of Personal Finance Reimagined , Jeff Hulett sits down with longtime colleague and friend Edmund Green to unpack what makes a negotiator successful—not through tactics and tricks, but through authenticity, empathy, and trust. Edmund, founder and CEO of Parlinum Consulting and former Managing Director at KPMG, offers a masterclass in negotiation strategy rooted in relationship-building, client advocacy, and unflinching honesty. Trust a

Some people feel uncomfortable with negotiating. This is unfortunate. Good negotiation leads to better outcomes for all. A good negotiation is a form of good communication, where all parties express their key preferences. This creates a better platform for productive, long-term relationships. Focusing on your BATNA is the foundation of good negotiation and a productive, long-term relationship. About the author:    Jeff Hulett leads Personal Finance Reimagined ,  a decision-ma

I show you how to make your work performance review a 2-way street — that benefits you as much as your employer. Most importantly, it helps you make a confident job decision - whether you commit to stay or move into job change mode. About the author:    Jeff Hulett leads Personal Finance Reimagined ,  a decision-making and financial education platform. He teaches personal finance at James Madison University and provides personal finance seminars. Check out his book  -- Making

SCR helps the writer efficiently organize their thoughts and helps align the readers to a high value conclusion.

I enjoyed the March 2026 SDP conference and the chance to meet so many people navigating the intersection of high-quality decision-making and AI. Meeting others committed to finding a clear path forward felt incredibly fortunate. Our presentation focused on how we use AI in the classroom. We view personal finance as an internal decision problem rather than an information acquisition problem. Because information is no longer scarce, we use Generative AI as a "Decision Architec

Traditional economic models long operated under the shadow of "robo-rationality." Highly influential economists, led by figures like Paul Samuelson, built their theories on the assumption that a single "best" rational decision always exists. They believed that while individuals might stray, all people eventually converge toward this mathematical ideal. This assumption made the theoretical math work elegantly, but it was not grounded in the reality of human decision-making. Mo

Brad Cohen is a seasoned real estate investor and business owner. He regularly mentors students in my Behavioral Personal Finance class at James Madison University. Brad shares his experience and wisdom with a spirited, grounded authority. One of my favorite nuggets from his sessions is this: “The key to building wealth isn't timing the market; it’s time in the market.” To the uninitiated, this sounds like a sales pitch designed to nudge a hesitant buyer into a contract. At P

Human biology designed the brain for a world that no longer exists. For millennia, survival depended on linear thinking. If a predator charged from fifty yards away, the mind calculated a direct, straight-line path to safety. This "attack or escape" wiring remains deeply embedded in our DNA. While this instinct helps humans navigate physical obstacles, it often hinders the pursuit of modern financial goals. The challenge of building wealth rarely stems from a lack of informat

Are you getting ready to graduate? Here is a suggested prompt to help you with your new life! We are regular users of AI in the classroom. We follow the Pedagogical Mirror educational approach. We help students create a "2-for-1" brain to wow employers and prepare for launch! But before we get to the prompt, here are some ideas and resources: Mindset: The best way to think of budgeting is as prefabricating a set of expense tradeoffs.  Mechanically making the budget is not

As a financial educator, advisor, and entrepreneurial incubator, I spend my days deep in the mechanics of investment strategies, capital structures, and market analysis. But despite the substantial technical nature of this work, I have found that the hardest part of my job isn’t teaching people how to build a model—it’s helping them navigate the internal terrain of their relationship with money and risk. Our biggest hurdles aren't usually found in a lack of data, but in our i

In the latest episode of the Founders Copilot podcast, we dive into the mind of a true operational architect. Jaeda Skye, CEO of Jaeda Skye Media and creator of "Skye’s the Limit," isn't just navigating the creator economy; she’s rewriting its rulebook. Moving beyond the myth of accidental viral success, Jaeda deconstructs the "Chief Everything Officer" mindset. She reveals the sophisticated, hidden corporate structures—from finance to strategic operations—that must function

In classrooms across the country today, a quiet revolution is gaining momentum. As recently highlighted in the Wall Street Journal , state legislatures are rapidly mandating financial literacy as a high school graduation requirement. This surge in legislation is born from a noble recognition: wealth inequality is reaching historic highs, and families are clamoring for their children to be better equipped for a modern economy. However, we are approaching a dangerous intersecti

The Power of the Founder’s Copilot Model The Client Profile: The Visionary Creators Our client began as a high-energy duo with a unique talent for short-form video entertainment, generating millions of views and rapidly building a global audience. But like many fast-growing creators, they lacked the infrastructure to convert that momentum into a scalable, long-term business. What started as a creative outlet was quickly becoming a complex operation—without the systems require

In the high-pressure hallways of suburban high schools, a persistent myth refuses to die. It is the idea that community college is effectively “13th grade”—a consolation prize for those who couldn’t get into a “selective” school, or a social dead end that looks “uncool” on a LinkedIn profile. While students stress over which prestige sticker to slap on their parents' SUV, and parents worry about the social optics of the local junior college, the corporate world is looking at

For parents:  Do you worry about your child successfully launching, moving out, and achieving a flourishing life? For students and young adults:  Do you find the job market confusing, difficult to engage, and the ability to use platforms like LinkedIn a frustration rather than an advantage? If so, this article provides the essential "high-action" roadmap to navigate an AI-disrupted world. In an era where algorithms filter resumes and AI automates applications, the only propri

Our Investment Barbell Strategy (IBS) is the cornerstone for helping our students and clients get rich. An IBS foundation is guiding the all-important "Relationship With Risk." We are all born with a risk relationship geared toward keeping us alive. These are our evolutionary biology and natural selection-based brain activations. However, these slow-changing human instincts are mostly counterproductive when it comes to implementing a high-value investment strategy. We tea

Admittedly, I am an AI Enthusiast. But I also know that in the labor market, there will be winners and losers. This article describes how to win. In my previous work on The Great AI Pivot , I discuss how the AI disruption creates more, but different kinds of jobs. I argued that our biggest hurdle isn't technical—it’s emotional. We are biologically wired to fixate on the "Red Bar" (jobs lost) while ignoring the significantly larger "Green Bar" (jobs gained). We fear the "s