An introduction to the Investment Barbell Strategy and managing your financial life. We are focusing on maximizing wealth for those who aspire to achieve financial success but may feel uncertain about where to begin.  The Investment Barbell Strategy (IBS)  offers a practical framework to help you make confident financial decisions, manage risk effectively, and build wealth over time. A Simple, Actionable Approach to Managing Your Financial Life Here’s how you can implement th

Invest for Success: A Conversation with Paul Bennett Join Personal Finance Reimagined’s Behavioral Economist and President, Jeff Hulett, as he sits down with Paul Bennett, Ph.D., CFP®, the CEO and Founder of DecisionMap Wealth Management and author of The Money Navigator: The Essential Guide to Living Your Ideal Financial Life.  With over three decades of wealth management experience, Paul shares his unique approach to simplifying complex financial concepts and helping indivi

Welcome to the Financial Success Road, a comprehensive journey designed to help you achieve long-term wealth through a "get rich slow" scheme. In this video, your host, Jeff Hulett, outlines the two core components of his process: the Savings Waterfall and the Investment Barbell Strategy (IBS). You will learn how to generate income, create "prefabricated tradeoffs" using a budget, and defeat modern-day "sludge"—intentional frictions that separate you from your money—to feed y

Today, we’re taking a deeper dive into the Investment Barbell Strategy (IBS)—a comprehensive approach to managing your investments with a focus on balancing risk and return. In this discussion, we’ll explore practical techniques to implement IBS effectively, focusing on the savings waterfall, how to allocate funds to the four quadrants, and real-world examples for each quadrant. We’ll also delve into the crucial difference between accuracy and precision, showing how the IBS e

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

Recent polling by organizations like the National Endowment for Financial Education ( NEFE ) demonstrates a powerful public mandate: Personal Finance is viewed as an essential, core subject, with parents and U.S. adults alike prioritizing it alongside English and U.S. History. Crucially, 70% of adults who lacked this education in school report that their current quality of life would be better had they received it. The digital age promised unbounded access to information, ye

For many students, the pursuit of long-term wealth seems complicated, requiring insider knowledge of stocks, complex budgeting software, or a massive salary. In reality, the foundation of riches is not found in complex products or high incomes, but in simple mathematics: the Geometry of Riches. This geometry is defined by the gap between what you earn and what you spend. The wider the gap—the more you consistently live below your means—the faster you will build lasting financ

Are hidden fees, confusing disclosures, and endless notifications costing you your financial future? At PFR, we call this "sludge"—the hidden friction that makes good financial decisions challenging to execute. Sludge drains your attention, depletes your willpower, and forces you to settle for the status quo, often leading to wasted money and missed opportunities for wealth building. It’s an invisible enemy, but its impact is real. You don't have to live in the financial mud!

Welcome! Good evening, everyone. I look around this room and see something truly powerful: a group of dedicated high school parents. Thank you for taking the time to be here tonight. You are already demonstrating the kind of focus your child needs. I want us to spend our time together exploring one of the most significant moments in your child’s life—the college decision. My goal is simple: I want you to leave here excited, energized, and deeply focused on how you can help yo

Sound personal finance requires a discipline simple in concept yet challenging in practice: living beneath one’s means. This choice enables consistent saving and systematic investment, unlocking the breathtaking power of compound interest. Mathematically, the principle is certain: small, regular investments—especially those commenced early in life—increase at an increasing rate, transforming modest resources into massive, sustaining wealth over decades. Executing this strateg

For most of my professional life, I’ve been intimately involved with banking—as a banker, a consultant, or an architect of banking technology. I’ve been intimately familiar with the tools and data banks use to deliver their products, and I’ve been part of the data science revolution transforming the industry. But I also have a deep, personal appreciation for the challenges ordinary people face every day just trying to make the right financial decision. For many, financial s

Stop Blaming Taxes: The Real Reason You're Not Wealthy By Jeff Hulett, President of Personal Finance Reimagined Every time the Federal Reserve releases its wealth inequality survey, the headlines explode. Everyone points fingers: "It's the tax code!" "It's the system!" As a personal finance professor, I agree these factors matter, but they miss the fundamental, surprising truth about why the rich get richer and everyone else falls behind. The real failure isn't in government

Over the next few articles and videos, I will explore budgeting, financial planning, and providing an effective financial decision-making approach. I will help you decide what is important to you and drive financial planning success. The budgeting mindset is the foundation for building your financial life. Today, I focus on your budgeting mindset, especially in understanding how you value the most important belongings of your life. I provide budgeting tools and resources t

Hey everyone! I’m Jeff Hulett, your guide to making smart, confident decisions! I lead personal finance reimagined – a decision-making and financial education platform. Today, we’re diving into credit cards, specifically how we can help Bob find the best one. Whether you’re new to credit cards or already have one, this will give you the tools to make great choices!" Want more insights into decision-making and financial success? Check out our resources—follow us on social, exp

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

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