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.

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

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

Imagine this: You graduate college with the tools to get rich. Many have the skills, the drive, and the opportunities to build long-term...