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Make Housing Affordable By Being Adaptable
Younger people face homeownership headwinds not faced by their parents. For many, it is more challenging to get on the homeownership...
Jeff Hulett
May 30, 20251 min read


$9 million good reasons! - The case for homebuying
“Homes are so expensive and the process seems complicated!” is commonly heard by people considering buying a house. Today – we make the...
Jeff Hulett
May 30, 20251 min read


Solving for Later: The Real Path to Wealth, Health, and Freedom
Why Getting Rich Tomorrow Is Hard—and Why We’re Solving It... In today’s data-saturated world, we are surrounded by apps and platforms...
Jeff Hulett
May 30, 20255 min read


Shared Success
At Personal Finance Reimagined (PFR), we believe financial literacy isn't just about knowledge—it's about decisions. But behind every...
Jeff Hulett
May 28, 20253 min read


Becoming the Economist of Your Own Life: The Decision Science Behind PFR
At Personal Finance Reimagined (PFR), we believe lifelong wealth and well-being come not just from having information—but from making...
Jeff Hulett
May 25, 20255 min read


Don’t Wait—Own It: Mike Munger on Why Homeownership Still Matters
Don’t Wait—Own It: Mike Munger on Why Homeownership Still Matters In a housing market riddled with barriers—skyrocketing prices,...
Jeff Hulett
May 22, 20253 min read


From Orange Theory to Ownership: How Katie Toibin Built Her Brand and Found Her Voice
Innovation and Entrepreneurship with Katie Toibin and Total Toibin Training In the high-energy world of personal fitness,...
Jeff Hulett
May 21, 20253 min read


De-Moral Hazarding: Beat Insurers at Their Own Game and Build Wealth in the Process
When you carry risk, you carry wisdom. A Smarter Way to Manage Risk At Personal Finance Reimagined (PFR), we believe the path to...
Jeff Hulett
May 10, 202514 min read


We have always done it this way! - An innovation starting point
"We have always done it this way” is commonly heard in companies with mature processes and seasoned employees. They are so good at what...
Jeff Hulett
May 4, 20251 min read


Innovation interview with Al Monserrat
If you asked 10 people the definition of innovation – you would likely get 10 different answers, with some being wildly different. We...
Jeff Hulett
May 4, 20251 min read


This is Bill and LaTonya – they are in love and want to get married!
What does innovation have to do with a wedding? Quite a bit! While the desire to get married has not changed much – the tools available...
Jeff Hulett
May 4, 20251 min read


Event Planning Innovation: Decision-making approaches and solutions
Choice architecture and behavioral economics help people make great decisions. Wedding and event planning is near the top of the list of...
Jeff Hulett
May 4, 20251 min read


Teaching the Future: Behavioral Personal Finance for a GenAI World
In an era of information overload and artificial intelligence, decision-making is the skill that shapes a lifetime of wealth. As our...
Jeff Hulett
May 1, 20254 min read


The Insurance Pricing Game: How I Learned the Hard Way to Shop Smarter
I admit it—I missed something important. I’m frustrated with myself for not seeing it sooner. But if a banker and personal finance professor like me can fall for this, there’s a good chance others are unknowingly in the same situation. So I’m sharing my story. I live in the Commonwealth of Virginia. Like every state, Virginia has a government agency responsible for regulating insurance. In Virginia, it's called the State Corporation Commission’s Bureau of Insurance. Among oth
Jeff Hulett
Apr 20, 202514 min read


From Income to Wealth: The PFR Pathway to a Lifetime of Financial Confidence
At Personal Finance Reimagined (PFR) , we believe wealth is not an accident—it is a process. Our mission is to empower students and...
Jeff Hulett
Apr 15, 20254 min read


The Power of Financial Education: How Students Recalibrate Risk Through Structured Learning
Personal finance education is more than theory—it is transformation. At Personal Finance Reimagined (PFR) , we are dedicated to giving students not only financial knowledge but the decision frameworks and behavioral tools that lead to a lifetime of confident wealth-building. One of our foundational tools is the Investment Barbell Strategy (IBS) : a four-quadrant investment model that helps students understand how to manage risk by strategically balancing volatility, diversifi
Jeff Hulett
Apr 12, 20253 min read


When the Market Panics, You Should Celebrate
When markets fall, emotions rise. Investors often panic, pulling their money out of fear rather than strategy. But at Personal Finance...
Jeff Hulett
Apr 10, 20253 min read


Case Study: Quantifying the Impact of Process-Driven Risk Education on Investment Behavior
What Rock Climbing Can Teach Us About Investing Most investors begin their journey with one burning question: How do I get the highest return for my comfort zone? That’s the framing used by popular risk questionnaires—and it is an excellent way to introduce what we call volatility risk, or how much fluctuation in value you can emotionally and financially tolerate. But that’s only part of the picture. At Personal Finance Reimagined (PFR), we teach a deeper approach. Our frame
Jeff Hulett
Apr 8, 202510 min read


Negotiation with Integrity: A Conversation with Edmund Green
In this special Negotiation Month edition of Personal Finance Reimagined , Jeff Hulett sits down with longtime colleague and friend...
Jeff Hulett
Mar 27, 20254 min read


Personal Finance Reimagined: Transforming How You Build Wealth with Smarter Decisions
Welcome to Personal Finance Reimagined , the organization challenging outdated financial education and exploring a better way forward....
Jeff Hulett
Mar 18, 20255 min read
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