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 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...

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, they ask a sharper question: does this person bring one brain—or two?  Candidates who can partner effectively with Generative AI (GenAI) are quickly becoming table stakes in the labor market. This article explores why and how education must evolve to meet this reality. Here is what follows: Why Human–GenAI partnering is now essential for employ

In my Behavioral Personal Finance  course, I connect behavioral science, economics, and neuroscience to uncover how people really make decisions. Here’s the surprise: the most unforgettable lessons often come not from research journals, but from the living room couch. Pop culture gives us a front-row seat to behavioral economics in action. Iconic TV characters are more than entertainment — they are vivid case studies of how cognitive biases play out in everyday life. Their be

In an era defined by data abundance and rapid technological change, the way we learn — and the skills we prioritize — must evolve. For...

Some people feel uncomfortable with negotiating. This is unfortunate. Good negotiation leads to better outcomes for all. A good...

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...

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...

When we talk about preparing young people for life after high school, data can be either a compass or a mirage. At Personal Finance...