Our Investment Barbell Strategy (IBS) is the cornerstone for helping our students and clients get rich. An IBS foundation is guiding the all-important "Relationship With Risk." We are all born with a risk relationship geared toward keeping us alive. These are our evolutionary biology and natural selection-based brain activations. However, these slow-changing human instincts are mostly counterproductive when it comes to implementing a high-value investment strategy. We tea

I am PASSIONATE about achieving College ROI! College ROI is achieved when the value you get out of college - the income and/or happiness opportunities achieved - is worth MORE than the costs of college. The one thing we know for sure is that traditional residential colleges can be VERY expensive and there are other ways to achieve college benefits without spending a ton. One approach to achieving the optimal college ROI is to leverage the United States' incredible Community

Here is the presentation for the SCEV / SCT meeting in February 2026: Personal Finance Reimagined February 2026 for SCHEV and SCT My name is Jeff Hulett – I help students achieve long-term, life-changing wealth! I am a Personal Finance professor at James Madison University.  I am a Behavioral Economist and data scientist.  I am an experienced banker who has spent decades leading consumer financial products organizations like Citibank, Wells Fargo, and Capital One.  The one gl

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

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

I have spent years coaching countless entrepreneurs from wildly different backgrounds—like corporate executives transitioning to founders, leaders launching vital community missions, and young, high-potential business creators. Across all these diverse journeys, I have seen two consistent success indicators: the strength of the founder’s relationship with risk and money. These relationships are not fixed character traits; they are learned behaviors and adjusted attitudes. For

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

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

College is a time of significant transition—students face a new level of independence and responsibility, particularly in managing their...