In the American cultural narrative, the term "first-generation" is often regarded as a niche category or a specific demographic box. At PFR, we see it differently. The challenges facing these students often remain hidden in plain sight. These obstacles rarely stem from a lack of talent or ambition; instead, they reflect a lack of exposure to the "family business" of higher education and the complex financial systems supporting it. According to U.S. Census Bureau data released

At Personal Finance Reimagined (PFR), we believe lifelong wealth and well-being come not just from having information—but from making...