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

For most of my professional life, I’ve been intimately involved with banking—as a banker, a consultant, or an architect of banking technology. I’ve been intimately familiar with the tools and data banks use to deliver their products, and I’ve been part of the data science revolution transforming the industry. But I also have a deep, personal appreciation for the challenges ordinary people face every day just trying to make the right financial decision. For many, financial s

Stop Blaming Taxes: The Real Reason You're Not Wealthy By Jeff Hulett, President of Personal Finance Reimagined Every time the Federal Reserve releases its wealth inequality survey, the headlines explode. Everyone points fingers: "It's the tax code!" "It's the system!" As a personal finance professor, I agree these factors matter, but they miss the fundamental, surprising truth about why the rich get richer and everyone else falls behind. The real failure isn't in government

Over the next few articles and videos, I will explore budgeting, financial planning, and providing an effective financial decision-making approach. I will help you decide what is important to you and drive financial planning success. The budgeting mindset is the foundation for building your financial life. Today, I focus on your budgeting mindset, especially in understanding how you value the most important belongings of your life. I provide budgeting tools and resources t

Previously, we discussed this savings waterfall. This is the approach we use to make sure our income finds its way to your long-term wealth-building. Today we are going to discuss expenses and potential obstacles keeping your income from making it to those long-term investments. We are going to discuss how to manage the “ sludge ” in your life! About the author: About the author: Jeff Hulett leads Personal Finance Reimagined, a decision-making and financial education pl

By paying yourself first! This is the 3rd article of our budgeting and financial planning series for the month. As a reminder – we grounded the budgeting and financial planning journey in attitudes and behaviors. Next is the “short version” of my approach to wealth building. If you can implement these, you will build wealth. This is called the M-T-P: M otivation grounding : Be content with yourself, don’t spend money you don’t have, don’t buy things you don’t need, and don’t

The Real Input to Wealth: Time and Attention As a personal finance professor and the president of Personal Finance Reimagined, I'm constantly discussing wealth generation. It's the "output" we all strive for, but the conversation around it, particularly concerning wealth inequality, often misses the mark. It focuses too heavily on the outcome and not enough on the fundamental inputs driving the entire system. Every four years, the Federal Reserve releases its massive study on

“Cause it's a bittersweet symphony, that's life. Tryna make ends meet, you're a slave to money then you die.” — The Verve, 1997 Few...

Jeff Hulett interviews Justin Chezem, Head Coach, CNU Men’s Soccer and Scot Cooper, Founder, Matchplay Recruit. We focus on 2 questions:...

Today, I’m excited to interview Lee Norwood, founder of Annapolis College Consulting and a leader in college advising. Lee has worked...

Real estate investing remains one of the most powerful paths to long-term wealth creation. At Personal Finance Reimagined  (PFR), we...

Equipping student-athletes with the tools to manage money, plan for life after sports, and turn NIL opportunities into lasting wealth. Student-Athletes and the Wealth of Tomorrow College athletics is about more than competition. For student-athletes, it is preparation for life after sports—a future requiring confidence, clarity, and skill in financial decision-making. Whether playing in front of 100,000 fans or competing quietly in Division III, every athlete shares one thing

Getting a great first job is all about forward momentum, energy, and action. This is the success mindset. Successful people work at...

Getting a great first job is all about forward momentum, energy, and action. This is the success mindset. Successful people work at...

Today, we are going to take a different kind of decision journey by taking you to the other side of job decision-making. This article...

Hi all - this is Jeff Hulett - I’m a decision confidence builder!  I lead Personal Finance Reimagined, a decision-making and financial...

At Personal Finance Reimagined (PFR) , we believe the future belongs to those who learn how to partner with Generative AI (GenAI). Tools...

The Race for Talent Has Changed Forever Employers no longer measure value only by degrees, test scores, or polished résumés. Instead,...