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Stay Curious.
Make the most of your college experience.
Jeff Hulett
Curator, The Curiosity Vine
Stay Curious.
The Curiosity Vine is an idea incubator.
Our contributors have experience and interest in a variety of high-impact topics, such as science, technology, conservation, mathematics, data science, public policy, economics, and others. Our objective is to promote early-stage ideas, enable idea collaboration, and test idea purchase.
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TCV platform is curated by Jeff Hulett.
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Join our team - become a TCV contributor!
Learn about why you should join The Curiosity Vine.
TCV's ideas are used to provide seminars, write books, build businesses, and especially to help people.
So take a look around the site, feel free to ask or answer your own questions, and enjoy your own curiosity exploration!
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Featured Posts
Seeking Less, Living More: Rethinking How We Seek Success
Are we seeking the wrong things? In a world saturated with curated lifestyles, comparison-driven ambition, and endless information, the impulse to achieve more  is hardwired into us. Left unchecked, it can run amok—pushing us toward pursuits that promise fulfillment but often deliver anxiety instead. Professional wins, luxury goods, validation, and certainty may seem like worthy goals, yet they can quietly erode our well-being. Economic and financial educators appreciate an e
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How Not to Be Fooled by Statistics
Modern life is surrounded by data and statistics. From scientific breakthroughs and medical diagnoses to policy decisions and everyday purchases on consumer marketplace platforms. Yet, for all their power, statistics prove profoundly misleading if we do not understand the fundamental assumptions which underpin them. To truly navigate this data-rich landscape, one needs a holistic approach to inference, one thoughtfully considering the full context of beliefs and the world ar
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The Real Failure of Financial Education: We Don't Teach Students to Invest Their Time
The Real Input to Wealth: Time and Attention As a personal finance professor and the president of Personal Finance Reimagined, I'm constantly talking about 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 that drive the entire system. Every four years, the Federal Reserve releases its massive st
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The Blue Pill Trap: The Simple Step to Escape the Matrix of Endless Partisan War
Are you trapped in the RepDem Matrix? This is a place where you feel emotionally drained by political theater, experiencing intense feelings about budget shutdowns, government layoffs, or your "most hated politician." While exhausting, you feel strangely compelled to reengage the anger, even as it exhausts you. What if you are being played? The 1999 sci-fi classic The Matrix  was an amazing, once-in-a-generation movie. It offered an incredibly original dystopian future sto
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Seeking Less, Living More: Rethinking How We Seek Success
Are we seeking the wrong things? In a world saturated with curated lifestyles, comparison-driven ambition, and endless information, the impulse to achieve more  is hardwired into us. Left unchecked, it can run amok—pushing us toward pursuits that promise fulfillment but often deliver anxiety instead. Professional wins, luxury goods, validation, and certainty may seem like worthy goals, yet they can quietly erode our well-being. Economic and financial educators appreciate an e
Jeff Hulett
9 hours ago15 min read
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How Not to Be Fooled by Statistics
Modern life is surrounded by data and statistics. From scientific breakthroughs and medical diagnoses to policy decisions and everyday purchases on consumer marketplace platforms. Yet, for all their power, statistics prove profoundly misleading if we do not understand the fundamental assumptions which underpin them. To truly navigate this data-rich landscape, one needs a holistic approach to inference, one thoughtfully considering the full context of beliefs and the world ar
Jeff Hulett
2 days ago7 min read
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Treasury Rates Update: October 30th, 2025
The financial markets reacted sharply this week to the Federal Reserve's policy decision on October 29th, where the Fed decreased rates by 0.25%. This move immediately translated into higher Treasury yields across most of the curve, representing a significant reversal of the downward trend observed in previous weeks. Upcoming Key Economic Data Release:  Next new jobs  Oct 3   (Fed Govt shutdown, no data released) Next CPI release  is Nov 13  (Fed Govt shutdown, delayed bu
Bill Knudson
3 days ago2 min read
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Mortgage Rates Update: October 30th, 2025
The fixed mortgage market experienced a notable technical movement for the week ending October 30th, 2025, continuing its recent trend of borrower-friendly declines. The 30-year fixed rate decreased by a modest 2 basis points (bp) to 6.17%. This downward movement is particularly compelling given that the 10-Year Treasury rate actually increased by 10bp, strengthening our observation that the mortgage market is reacting to internal dynamics rather than solely benchmark shifts.
Bill Knudson
3 days ago1 min read
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The Real Failure of Financial Education: We Don't Teach Students to Invest Their Time
The Real Input to Wealth: Time and Attention As a personal finance professor and the president of Personal Finance Reimagined, I'm constantly talking about 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 that drive the entire system. Every four years, the Federal Reserve releases its massive st
Jeff Hulett
5 days ago5 min read
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The Blue Pill Trap: The Simple Step to Escape the Matrix of Endless Partisan War
Are you trapped in the RepDem Matrix? This is a place where you feel emotionally drained by political theater, experiencing intense feelings about budget shutdowns, government layoffs, or your "most hated politician." While exhausting, you feel strangely compelled to reengage the anger, even as it exhausts you. What if you are being played? The 1999 sci-fi classic The Matrix  was an amazing, once-in-a-generation movie. It offered an incredibly original dystopian future sto
Jeff Hulett
6 days ago5 min read
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Mortgage Rates Update: October 23rd, 2025
For the week ending October 23rd, 2025, the 30-year fixed mortgage rate continued its recent downward trajectory, falling by a notable 8 basis points (bp). This decline is particularly interesting as the 10-Year Treasury rate simultaneously increased by 2bp, a divergence that suggests idiosyncratic factors are impacting mortgage-backed security pricing, leading to a narrowing of the spread. For a $100,000 loan at 6.19%, the monthly payment decreased $5 to $612 Upcoming releas
Bill Knudson
Oct 241 min read
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Treasury Rates Update: October 23rd, 2025
The narrative in the U.S. Treasury market has decidedly shifted this past week, with rates across the curve experiencing a notable decline, signaling potential market jitters or a flight to safety. This follows a period marked by government dysfunction, including the lack of CPI data this week and the earlier Federal Government shutdown. Upcoming Key Economic Data Release:Â Â Next net new job release is 11.7.25Â (10.3.25 Fed Govt shutdown, no data) Next inflation release 11.13
Bill Knudson
Oct 241 min read
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