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Welcome to! I am Joon Koo, Ph.D., the heart and mind behind this financial blog. My journey weaves through academia and industry, blending teaching, research, and leadership experiences in the financial services and other industries. For the past 20+ years, I've dedicated myself to breaking down complex financial topics into understandable concepts. This blog is a culmination of that passion, aimed at offering practical, reliable, and accessible financial knowledge. Whether you're a beginner or an expert, I'm here to guide you towards informed financial decisions, making the world of finance approachable for all.


Our mission is to empower everyday people with practical, reliable, and accessible financial knowledge. We strive to simplify the complex world of finance, making it approachable and understandable for everyone, regardless of their educational and financial background. We are committed to providing our readers with up-to-date, well-researched, and actionable insights, helping them make informed decisions to improve their financial well-being.


Our vision is to become a leading online resource for personal finance, where readers can gain the confidence and skills to take control of their financial future. We aim to create a community that values financial education and uses it to achieve personal goals, financial independence, and a better quality of life. We envision a world where financial literacy is accessible to all, enabling people to create positive change in their lives and communities.

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