I recently sat down with a group of Church elders in the Washington D.C. area. It is a wonderful congregation—the kind of place understanding faith as more than a Sunday morning activity. These individuals view faith as a commitment to building a sustainable community. They are currently in the process of standing up a child-focused play service and a parent-focused cafe, structured as a social enterprise. As we discussed the logistics of revenues and expenses, the topic of c

We step through content creation -- the Social Media ecosystem -- and the massive economic opportunity for those creators that prepare

Most entrepreneurs treat their business plan like a static map, only to feel like they’ve failed when reality shifts. In our latest short, Jeff Hulett introduces the "Pivot Surface" framework—a core philosophy of the PFR Founders Co-Pilot program. Learn why the true value of planning isn't in predicting the future, but in creating a solid floor to push off of when it's time to change direction.

Many people see vending machines as simple "passive income," but entrepreneur Justin Wilson sees them as a data-driven business system. In this episode of the Founder’s Copilot, Jeff Hulett dives into the "pre-scale" phase of entrepreneurship—the critical window where a founder validates demand, builds a digital infrastructure, and prepares for massive growth. We discuss the reality of the hustle, the psychology of consumer behavior, and how to build a "digital spine" for a t

History is not merely a collection of dates and names; it is a series of "pivots." These are the moments when the tectonic plates of human productivity shift, forever changing how we live, work, and relate to one another. From the steam engine to the internet, every great economic leap has required something deeply human, yet frequently resisted: a leap of faith. Today, as Artificial Intelligence weaves its way into the fabric of our professional lives, we stand at the thresh

Personal Finance Reimagined (PFR) maintains a mission empowering individuals to cultivate a consistent, repeatable decision-making process for a lifetime of wealth. We work with students, entrepreneurs, and all those interested in this success path. This pursuit extends beyond spreadsheets; it requires understanding the biological engine driving those decisions. While our brains are dynamic products of evolution and environment, they are not static. The core of this framework

Generative AI makes mistakes. While many observers use the term hallucination  to justify avoidance, this hesitation results in missing a massive opportunity. The technology thrives on a partnership where the tool remains imperfect but proves incredibly useful. Adopting a proactive mindset enables users to extract maximum value while navigating inherent limitations. Figuring out how to increase machine precision through your own accuracy ultimately makes you smarter and faste

In the high-stakes ecosystem of entrepreneurship, focusing on the "seen" is essential. Tracking customer acquisition costs, refining product features, and navigating tax complexities must consume the majority of a founder’s time. This work grounds the business and powers the daily engine. However, a dangerous trap exists in giving the "seen" 100% of your focus. While the "seen" maintains the current trajectory, the most transformative breakthroughs—changing a company’s trajec

Learning to take strategic risks is the essence of financial freedom. It is important for both startup founders and for achieving financial success in your personal life. The concept of De-Moral Hazarding (DMH) is one of the most powerful ideas in personal finance, yet its implementation is often the greatest challenge. At its core, DMH suggests when you choose to self-insure against manageable losses—meaning you build personal savings to cover the risk—you change your beha

As President of PFR and a Personal Finance Professor at JMU, I've spent years observing one persistent barrier to success: fatalism. The belief that our outcomes—financial, professional, or personal—are fixed by forces beyond our control. This idea, rooted in the philosophy of Determinism, finds powerful support in modern science, particularly neuroscience. Scientists like Robert Sapolsky argue that every choice is merely the inevitable output of our determined neurobiology.

We are entering a new economic age, defined not by capital or labor, but by partnership with artificial intelligence. Our reliance on these powerful collaborators benefits from taking inventory of classic economic principles, particularly the division of labor, and fine-tuning our approach. If we confuse the machine's ability to execute consistently (Precision) with its capacity for goal setting (Accuracy), we set ourselves up for failure. Mastering this partnership requires

Trick-shot extraordinaire Daniel Hulett is interviewed for the Investment Barbell Strategy This is Jeff Hulett, your decision confidence builder and host for today’s session. Welcome to the 4th VidCast in our Investment Barbell Series! If you’re new here, be sure to catch up on the first three episodes, available on Personal Finance Reimagined or my YouTube channel. Today, I am thrilled to bring you a special interview with Daniel Hulett, President of Hulett Brothers, a fast-

Let's start with an introspective question: Are you a hammer looking for a nail or a nail looking for a hammer? The professional world stands at a critical intersection. A choice determines the success of every entrepreneur: Are you defined by the Hammer you swing, or by the Nail you must satisfy? For too long, deep expertise, earned over years in established roles, has provided a sense of security. Yet, this traditional mindset is now being challenged. The disruptive power

I have spent years coaching countless entrepreneurs from wildly different backgrounds—like corporate executives transitioning to founders, leaders launching vital community missions, and young, high-potential business creators. Across all these diverse journeys, I have seen two consistent success indicators: the strength of the founder’s relationship with risk and money. These relationships are not fixed character traits; they are learned behaviors and adjusted attitudes. For

In my conversations and experiences with pastors and church leadership, a consistent, significant challenge is repeated by many. A central difficulty faces many religious institutions today: how to sustain a vibrant faith community when the habits of the core congregation diverge significantly from the needs of the broader community. This is a matter of institutional survival and also a matter of fulfilling the enduring mission of serving one’s neighbor. The church, a formati

I must confess a profound bias: It starts from my decades of experience as a behavioral economist and a data scientist. I dedicated my earlier career to creating AI and using data to inform human decisions. My bias is an absolute love for Generative AI (GenAI) and I use it regularly. It is my team’s thinking partner, and we vigorously encourage our Founder’s Copilot clients to use it. Yet, amid the enthusiasm, I see confusion. Entrepreneurs face a daily, relentless challeng

Part of our The Founder's Copilot Spotlight series Today, the Hulett Brothers brand boasts an audience which has viewed their fun-loving, engaging content billions of times. They have successfully leveraged their unique style and relentless work ethic into high-profile brand partnerships and collaborations with giants like ESPN, Redbull, the NFL, NHL, and MLS, as well as consumer brands like Wilson, Doritos, and YouTube. Their story is a perfect example of turning a passion-d

Congratulations. You had the high school success, you made the jump to the bigger college stage, and your talents are now being compensated. With scholarship money and the wealth-building potential created by your university's Name, Image, and Likeness (NIL) ecosystem, you are now officially a business owner and an entrepreneur. Your job as an athlete is to constantly focus on performance—to train, compete, and win. That's the Player Mindset, and it must remain your priority.

When most entrepreneurs start, it looks a lot like passion—late nights, side projects, and bursts of energy fueled by curiosity and...

The world is experiencing one of the greatest economic transformations since the industrial age. GenAI is accelerating change, but history shows disruption always creates more opportunities than it destroys. With 170 million new jobs projected by 2030, young people are entering the workforce at the perfect time to build careers—or launch companies—that align with demand. Joy will not come from chasing passion first but will emerge from contributing where you are needed most.