Most entrepreneurs treat their business plan like a static map, only to feel like they’ve failed when reality shifts. In our latest short, Jeff Hulett introduces the "Pivot Surface" framework—a core philosophy of the PFR Founders Co-Pilot program. Learn why the true value of planning isn't in predicting the future, but in creating a solid floor to push off of when it's time to change direction.

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