“Math language is incredibly important. Without it, unmoored uncertainty may cause people to check out and become increasingly disconnected.” “This math dance requires 2 partners; math mechanics grooving with math intuition.” “Today, math jobs are found in industries where “neuro-manipulation” has become the norm, such as social media or sports betting.” “Most people need math more as a consumer shield.” “The math mechanics dance partner needs to slow its role and let the ma

Now that you have completed the Personal Finance Reimagined (PFR) college decision readiness program, it is time to put your new skills into action on the road. To help students and counselors maximize upcoming campus visits, we have created a set of Companion Guides and Checklists powered by the College Xoice app. These resources work together to build a consistent, repeatable decision system, ensuring students make the best possible financial and life choices for their futu

Last week we learned about how robo advisors work and help us achieve our investment barbell strategy. Today, we will dig into some of the essential aspects for choosing financial advisors. Then, we will discuss several Robo-advisors and their selection criteria. Also, my book, Making Choices, Making Money, provides more context and tools for deciding on the best robo-advisor. But first - My name is Jeff Hulett, I am a decision confidence builder. I am a behavioral econom

The Stoic's Arbitrage is a long-term value creation approach that can be worth many millions.

There is an old saying - “The time value of money benefits the young, but the young don’t appreciate the time value of money.” At PFR, our mission is to change this narrative. We know the first 10 years of your prime earning years are critical to your long-term wealth. The time value of money is SO POWERFUL! But even if you are older, there is still time to implement a great investment strategy. We explore robo-advisors as a cornerstone to your investment strategy. We ex

If you’re in your 20s or 30s, the world of investing can feel like a minefield: conflicting advice, daily market swings, and a growing pressure to “get it right.” But what if we told you the key isn’t timing the market—but learning how to think, decide, and build habits that compound over decades? That’s the heart of this month’s theme at Personal Finance Reimagined: Investing Month. And our latest interview gets right to the point. Luke Avery, Assistant Vice President and Re

Last week we met Bob – Bob is a lot like you. Bob wants to do well with his finances – but needs some help to get on the right track. Last week, we showed how Bob uses the Investment Barbell Strategy. We showed how time, diversification, and volatility work together to help Bob – and you – get on and stay on the best financial track. Today, we will dig into some of the essential aspects of Robo-advisors to help you get started. But first - My name is Jeff Hulett, I am a de

People occasionally ask for my perspective on retirement. When they raise the question, I look them in the eye and respond, "I want to work until I die." I deliver the statement with a completely straight face. They nearly always look at me with confusion. Work has exhausted most Americans, leaving them unable to imagine performing any more labor than is necessary. But I view work differently. I consider it a gift from God: A venue for purpose, focus, and service. Right now,

The modern information-rich world presents a great challenge to human attention. Every day, young people navigate highly engineered digital environments designed to extract economic surplus. Within this landscape, young men face a unique biological vulnerability. Testosterone interacting with a brain that is still actively pruning and rewiring its circuits amplifies the trap of algorithmic reward seeking. This environment represents a structural evolution in economics rather

Generative artificial intelligence instantly handles lower-level financial facts, which transforms the needs of classroom instruction. Because software platforms provide widespread access to basic definitions, long-term student success relies on decision process mastery and habit formation rather than factual recall. To be clear, this is not to suggest language acquisition is not important, because it is still foundational. The point is, the necessary personal finance studen

Is the American Dream of homeownership dead for Gen Z, or are they carrying the unseen scars of the past? In our latest Personal Finance Reimagined vidcast, host Jeff Hulett sits down with housing market evangelist Coby Hakalir, SVP and Managing Director at T3 Sixty, for a powerful, 30-minute deep dive into the existential stakes of the modern real estate market. Coby, who packaged his first FHA loans at just 12 years old, brings nearly three decades of raw industry insight t

This article is for teachers and all those interested in Financial Education. The modern information-abundant, attention-scarce world presents a MASSIVE opportunity to improve financial education. Unfortunately, habits, inertia, and fear sometimes get in our way. A recent Wall Street Journal article highlights this challenge. As public interest in financial literacy rises, traditional teaching methods match a bygone era. To demonstrate this troubling gap, the WSJ article p

PFR advances AI-driven methods to accelerate financial education. AI serves as an effective learning partner to expedite the mastery of baseline financial facts. This approach accelerates weeks of memorization, such as interest rates, retirement accounts, or credit structures. A proper prompt set can quickly identify, curate, qualify, and present financial information in a way tailored to the learner. Importantly, AI-assisted learning has an emergent quality. The learner

Behavioral economics demonstrates how the human brain operates as a complex blend of helpful heuristics and wealth-destroying cognitive biases. Because heuristics and cognitive biases represent two sides of the same cognitive coin, individuals find them exceptionally difficult to separate. This close entanglement creates a central challenge in personal finance, as people run the risk of throwing the baby out with the bathwater by discarding valuable instincts alongside bad ha

Human beings evolved to manage survival, not money. Brains forged in an era of immediate survival naturally value the present over an uncertain future. When facing complex financial choices, tribal instincts and cognitive blind spots, such as present bias and myside bias, frequently lead individuals astray. People routinely deploy sophisticated logic to justify impulsive, short-term consumption at the expense of future wealth. To provide oversight for this ancient biology, in

Buying a home may be one of the most rewarding financial decisions you’ll ever make—but that doesn’t mean it’s easy. First-time buyers often feel overwhelmed by the process, unsure of where to begin or how to evaluate whether now is the right time. The good news? With the right decision tools and support, the complexity becomes manageable—and even empowering. That’s the message Jeff Hulett, behavioral economist and founder of Personal Finance Reimagined (PFR), delivers in thi

Daniel Kahneman taught us that our emotional, fast-thinking brains rate losses twice as much as gains. Since then, medical researchers taught us that our loss-to-gain ratio is even higher when it comes to personal health. This makes clearly thinking about medical decisions very challenging…. So then, what do we do about it!? That’s what PFR is all about. Transforming advanced behavioral science into valuable behavioral action. Next, we discuss a behavioral approach to

Younger people face homeownership headwinds not faced by their parents. For many, it is more challenging to get on the homeownership ladder today. Housing costs have increased faster than salaries. We explore this challenge by telling a story. This story explores 4 different solutions available to Bob. These will help Bob get on the housing ladder and achieve a lifetime of wealth. But first - My name is Jeff Hulett, I am a decision confidence builder. I am a behavioral e

“Homes are so expensive and the process seems complicated!” is commonly heard by people considering buying a house. Today – we make the case that it is so worth buying a home. We will show you the numbers – that there are $9 million of value you do NOT want to miss! But first - My name is Jeff Hulett, I am a decision confidence builder. I am a behavioral economist and have been in banking and financial services most of my career. I am also a faculty member at James Madis

Beyond Facts: Empowering First-Gen Success through Behavioral Finance and Gen AI Thank you for your interest in the Virginia First Generation Symposium. It was a privilege to connect with such a dedicated group, and we feel incredibly fortunate for the opportunity to support and empower the First Gen community. Our mission is to transform personal finance from simple information acquisition into a powerful engine for Personal Sovereignty. We believe that by building true agen