I spent decades in the high-stakes banking world, watching how institutional systems often win at the expense of the individual. I eventually realized how millions of Americans are held back not by a lack of money, but by a "Decision Deficit"—a gap between how banks think and how people choose. I chose to leave the secure banking world behind to found Personal Finance Reimagined (PFR) because I knew I had to turn the tools of the banking industry into a shield for the people.

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

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

In times of uncertainty -- great opportunity exists. This article is the opportunity bridge. The year 2025 brings a chilling dose of reality to American higher education. Between proposed government shutdowns forcing layoffs at the Department of Education and political leaders questioning the tax-exempt status of massive university endowments, there is profound uncertainty. For most families without significant savings—without a "money tree" planted in the backyard—the centr

In my Behavioral Personal Finance  course, I connect behavioral science, economics, and neuroscience to uncover how people really make decisions. Here’s the surprise: the most unforgettable lessons often come not from research journals, but from the living room couch. Pop culture gives us a front-row seat to behavioral economics in action. Iconic TV characters are more than entertainment — they are vivid case studies of how cognitive biases play out in everyday life. Their be

When we talk about preparing young people for life after high school, data can be either a compass or a mirage. At Personal Finance...

A Personal Finance Reimagined Origin Story This article is a personal and professional retrospective from Jeff Hulett, a career banker,...

Entrepreneurship today is often celebrated as a path to freedom, creativity, and wealth. But if we look closer, most of what passes for...

Seeing Isn’t Always Believing In 1850, French economist Frédéric Bastiat offered a deceptively simple insight: to evaluate economic...

Buying a home may be one of the most rewarding financial decisions you’ll ever make—but that doesn’t mean it’s easy. First-time buyers...

Don’t Wait—Own It: Mike Munger on Why Homeownership Still Matters In a housing market riddled with barriers—skyrocketing prices,...

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

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