I experience an ongoing love-hate push-and-pull relationship with Artificial Intelligence. As the founder of Personal Finance Reimagined (PFR) and a university professor, I observe both sides of this dynamic almost every day. At PFR, our founder's copilot and startup incubator actively leverage AI to vibe code technology, deploy agentic helpers across business operations, and reason through complex strategic problems. AI drives down costs, boosts solution quality, and acceler

A steady stream of headlines paints a cautious picture of technology in the classroom: "[It] makes the mind lazy. If you don’t use your brain to compute, your mental faculties will atrophy, leaving students completely dependent on [it] to do their thinking for them." "How can a teacher accurately evaluate a child's true cognitive ability when [it] is doing the work behind their back?" "If we substitute mechanical computation for human understanding, we will graduate a generat

This article is for teachers and all those interested in Financial Education. The modern information-abundant, attention-scarce world presents a MASSIVE opportunity to improve financial education. Unfortunately, habits, inertia, and fear sometimes get in our way. A recent Wall Street Journal article highlights this challenge. As public interest in financial literacy rises, traditional teaching methods match a bygone era. To demonstrate this troubling gap, the WSJ article p

Imagine you’re in a high-stakes job interview. The hiring manager isn't just looking at your resume; they are looking at your human capital. From an economist’s perspective, you’ve walked into that room carrying a metaphorical “tool bag.” Inside that bag are your skills, your experiences, and your unique abilities. You open it up and effectively tell the employer: “For some compensation, I’ll give you access to this bag.” The employer evaluates the market price for those tool