HFW Foundational Principle #1 – Every person’s values, objectives, and financial situation is unique and multi-dimensional. Therefore, make every financial decision consistent with who you are, considering the totality of your own specific financial picture.

HFW Foundational Principle #2 – Debt is neither good nor bad but is always important—as important as your money or any other asset that you may own.

HFW Foundational Principle #3 – It is important to take full ownership of your own financial situation. Know what you can’t do yourself, and make sure those you hire are 100 percent on your side.

HFW Foundational Principle #4 – The future is hard to imagine and impossible to predict. Learn to live with uncertainty and have a financial strategy that has flexibility and optionality built into it.

HFW Foundational Principle #5 – Organizing your financial life to survive a severe economic or life event is essential for long-term financial health. Strive to be antifragile.

HFW Foundational Principle #6 – Financial health comes from fearless self-awareness and acknowledgment of our cognitive and emotional limitations as human beings. Be clear on exactly what you want, what you are capable of, and what you can never know.