If you asked 10 people the definition of innovation – you would likely get 10 different answers, with some being wildly different. We...

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...

Choice architecture and behavioral economics help people make great decisions. Wedding and event planning is near the top of the list of...

In an era of information overload and artificial intelligence, decision-making is the skill that shapes a lifetime of wealth. As our semester comes to a close at James Madison University, I find myself filled with gratitude—not just for another successful term, but for the opportunity to work with students who are eager to understand the world and shape their place in it. Few things are more meaningful than helping young people build the tools and confidence to achieve a lif

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

At Personal Finance Reimagined (PFR) , we believe wealth is not an accident—it is a process. Our mission is to empower students and...

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

When markets fall, emotions rise. Investors often panic, pulling their money out of fear rather than strategy. But at Personal Finance...

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

In this special Negotiation Month edition of Personal Finance Reimagined , Jeff Hulett sits down with longtime colleague and friend...

Welcome to Personal Finance Reimagined , the organization challenging outdated financial education and exploring a better way forward....

Introduction: The Misconception of Negotiation Negotiation is often misunderstood. Many believe it is a high-stakes, high-energy event,...

Imagine this: You graduate college with the tools to get rich. Many have the skills, the drive, and the opportunities to build long-term...

A Moment of Clarity Amid Complexity The inspiration behind Personal Finance Reimagined  (PFR) stemmed from a critical challenge: Why do...

Surveys of first-year college students’ mental health report that many students feel overwhelmed most of the time, regardless of the...

In an era of economic complexity and rapid technological advancement, the ability to make sound financial decisions has never been more...

I’ve long considered backgammon one of my greatest teachers in risk management. The game, deceptively simple on the surface, serves as a...

The Rise of DOGE: What’s Happening Now? The latest move by the Trump administration has sent shockwaves through the financial regulatory...

College is a time of significant transition—students face a new level of independence and responsibility, particularly in managing their...

How Local Organizations Work Together to Serve Their Community At Personal Finance Reimagined (PFR), we believe that financial education...