Learning to take strategic risks is the essence of financial freedom. The concept of De-Moral Hazarding (DMH) is one of the most powerful ideas in personal finance, yet its implementation is often the greatest challenge. At its core, DMH suggests when you choose to self-insure against manageable losses—meaning you build personal savings to cover the risk—you change your behavior. This new level of control allows you to know your risks, granting the confidence to take strateg

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

Personal Finance Reimagined (PFR) is more than a financial education platform. It is an investment holding company focused on unlocking...

I’ve long considered backgammon one of my greatest teachers in risk management. The game, deceptively simple on the surface, serves as a...

At Personal Finance Reimagined (PFR), our mission is to empower entrepreneurs and content creators to make confident, informed decisions...