Why does so much financial advice feel urgent—yet miss what actually matters? Chris Hill talks with Cullen Roche, investor, author, and founder of Discipline Funds, about why the financial industry continues to misunderstand time, incentives, and risk—and how that confusion shapes the advice people receive. In this conversation, they discuss: - How growing up in a large family influenced his views on ownership and responsibility - Early investing losses that reshaped Cullen’s view of risk - T...