Getting a great first job is all about forward momentum, energy, and action. This is the success mindset. Successful people work at learning and preparing. This includes calmness and persistence. But the essential success driver is action! Be courageous in putting plans into action. Take a 'test and learn' approach to life. Consider life through a 'perpetual beta' lens. If you are near the end of your formal education, you are likely faced with a big decision! You sho

Getting a great first job is all about forward momentum, energy, and action. This is the success mindset. Successful people work at learning and preparing. This includes calmness and persistence. But the essential success driver is action! Be courageous in putting plans into action. Take a 'test and learn' approach to life. Consider life through a 'perpetual beta' lens. If you are near the end of your formal education, you are likely faced with a big decision! You sho

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 shows you -- How To Think Like A Recruiter! Earlier in my career, I led college recruiting for KPMG at James Madison University. Over the years, I am fortunate to have worked with many dedicated people. These are the hiring managers, recruiting leaders, and the many people collaborating to hire large intern and full-time hire classes every

I experience an ongoing love-hate push-and-pull relationship with Artificial Intelligence. As the founder of Personal Finance Reimagined (PFR) and a university professor, I observe both sides of this dynamic almost every day. At PFR, our founder's copilot and startup incubator actively leverage AI to vibe code technology, deploy agentic helpers across business operations, and reason through complex strategic problems. AI drives down costs, boosts solution quality, and acceler

Explaining compound interest is strangely difficult. Not because it is difficult to understand technically, but because it is hard to imagine intuitively. With my undergraduate students and since AI is all the rage, we use the "savings bot" metaphor. How could there be "little savings bots" running around working for me? Well, they are! And the more you learn to orchestrate these bots, the more financial freedom you will create for yourself. Compound interest's reality wo

Watch the full interview with Suzie Grieco Submitting job applications online often feels like sending resumes into a digital void. Job seekers use automated tools to generate dozens of applications, while employers deploy algorithm screeners to process the incoming flood. This arrangement creates a feedback loop of software communicating with software, leaving human connection on the sidelines. Understanding the mechanics behind the recruiter screen helps job seekers adapt t

I can’t wait to get back in the classroom this semester! Every year on day one, I start with a line capturing everyone’s attention: “This class is going to teach you how to get rich.” And I mean it! We literally lay out a realistic, 40-year path for them to build $16M for retirement. It’s entirely achievable, and you can see their wheels starting to turn. But modern personal finance has changed. While we still cover traditional products and financial facts, this course is bu

A steady stream of headlines paints a cautious picture of technology in the classroom: "[It] makes the mind lazy. If you don’t use your brain to compute, your mental faculties will atrophy, leaving students completely dependent on [it] to do their thinking for them." "How can a teacher accurately evaluate a child's true cognitive ability when [it] is doing the work behind their back?" "If we substitute mechanical computation for human understanding, we will graduate a generat

Managing money during college presents a unique challenge missing from standard personal finance tools. Working professionals generally rely on steady biweekly or monthly paychecks. College students experience a fundamentally uneven income flow. At the start of each semester, students receive financial aid, grants, scholarships, or loans. Once institutional costs like tuition, mandatory fees, and on-campus housing settle, the remaining aid reaches the student as a lump-sum ne

Financial education provides a wonderful pairing with modern AI. Intentionality and a deep understanding of how people learn are at the core of our approach. Our educational framework highlights the value of updating daily learning habits. Our approach pairs active learning with artificial intelligence to build real-world capability. The savvy instructor positions technology as a human growth partner, teaching students to act as orchestrators who guide tools to extend and sh

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-making

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 Choi

We explore the job change process and tools. But first, we kick off by addressing attitudes that may hold you back. Change is NOT a failure, but failure to change might be. This was said by John Wooden – one of the most successful college basketball coaches in history. Wooden’s UCLA Bruins still hold the record for the most COLLEGE basketball championships. So if change is so important, why is it so difficult. In particular, why is it so difficult to change jobs. As we will d

By framing zoning reform as a systematic behavioral reset rather than incremental tweaks, municipalities position themselves at the top of federal grant scoring stacks. With millions in federal housing funds flowing to local governments through programs like HUD’s PRO Housing grants and the 21st Century ROAD to Housing Act, competition for grant dollars is fierce. In past PRO Housing rounds, requests exceeded available funds by 13 to 1. In such competitive scoring environment

At Personal Finance Reimagined (PFR), we redefine how students build wealth and navigate modern financial choices. Traditional financial education often focuses on static memorization, leaving students to digest product rules and complex math mechanics on their own. Technology automates these basic tasks with ease. In a data-abundant world, success requires a fresh approach to learning. The Pedagogical Mirror Framework Central to the PFR curriculum, our Pedagogical Mirror fra

For generations, people viewed car ownership as an automatic, unquestioned choice. Securing a driver's license and purchasing a first vehicle established a bright line between childhood and adulthood. Car ownership is often associated with freedom, like the freedom to go whenever one pleases. Today, however, this long-standing assumption encounters significant friction. Even the definition of freedom is evolving. People are increasingly associating NOT owning a car as a fr

“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.