Personal Finance Reimagined (PFR) maintains a mission empowering individuals to cultivate a consistent, repeatable decision-making process for a lifetime of wealth. We work with students, entrepreneurs, and all those interested in this success path. This pursuit extends beyond spreadsheets; it requires understanding the biological engine driving those decisions. While our brains are dynamic products of evolution and environment, they are not static. The core of this framework

Learning to take strategic risks is the essence of financial freedom. It is important for both startup founders and for achieving financial success in your personal life. 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 beha

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

Just like you don’t need to be an auto mechanic to drive a car well, you don’t need to be a mathematician to build personal wealth. But a...