Dear PFR Advisory Board Members and Supporters, First, I have really appreciated your amazing support this year. I value each of our touch points and I look forward to more in the future. 2025 was a really good year for Personal Finance Reimagined (PFR). Lots of market validation and delivery refinement. Our messaging gets better all the time and the client feedback has been positive and provides growth opportunities. The bottom line: PFR IS WORKING , our DecisionFIRST, finan

For many students and young adults, the pursuit of long-term wealth seems complicated, requiring insider knowledge of stocks or complex systems. In reality, the foundation of riches is not found in complicated strategies or high incomes, but in simple behavioral discipline: the habit of consistently living below your means. The core of financial success is not about deprivation; it's about optimizing your resources to create a surplus. This surplus is the most powerful tool i

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

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

For many young adults, the path to homeownership feels like hiking uphill with a heavy pack—navigating data overload, rising prices, and...

At Personal Finance Reimagined (PFR), we believe financial literacy isn't just about knowledge—it's about decisions. But behind every...

Personal finance education is more than theory—it is transformation. At Personal Finance Reimagined (PFR) , we are dedicated to giving students not only financial knowledge but the decision frameworks and behavioral tools that lead to a lifetime of confident wealth-building. One of our foundational tools is the Investment Barbell Strategy (IBS) : a four-quadrant investment model that helps students understand how to manage risk by strategically balancing volatility, diversifi

In an era of economic complexity and rapid technological advancement, the ability to make sound financial decisions has never been more...

How Local Organizations Work Together to Serve Their Community At Personal Finance Reimagined (PFR), we believe that financial education...

The experience gave me the very real sense of what it means to have skin in the game.