Ever wonder why it's so hard to do the things that will make us rich? 🧠💸 I’m Jeff Hulett, and in my personal finance class at JMU, I show my students the path to $16 million. But here’s the kicker: some STILL won't show up. It’s not laziness—it’s neurobiology. In this video, I explain why our brains are hardwired to choose a "nap today" over "retirement riches" and how we use "Industrial Grade Accountability" to fix it. Learn how to: ✅ Use Commitment Devices to automate su

Behavioral economists such as Richard Thaler and Daniel Kahneman identified a concept both intuitive and profound: individuals frequently prioritize immediate gratification over long-term benefit. Behavioral economists suggest our default wiring overweighs the present compared to future benefits. This neurological reality suggests humans struggle to sustain the discipline required for a prosperous tomorrow (Kahneman, 2011). For instance, enjoying a fun dinner with friends act