In this thought-provoking episode of The Personal Finance Project, Scott and Greg sit down with Richard Ashcroft to unpack a lifetime of wisdom—both financial and personal. Known internally as the "RA Principles" and affectionately called the "Pop Principles" by his family, these timeless insights reflect decades of leadership, investing experience, and life philosophy.

Richard shares the maxims that have guided his work with clients and his own personal decisions—from asking "What does winning look like?" to the power of "making one decision that makes a thousand." Through real-life stories, client case studies, and even a few laughs, the team explores:

• The hidden costs of custom portfolios

• Why simplicity and structure often outperform complexity

• How to avoid reinforcing bad behavior in high-trust environments

• The dangers of assuming the obvious is obvious

• What leaders get wrong about incentives

• Why incremental change matters more than sweeping overhauls

Whether you're a financial advisor, a business leader, or someone striving for better decision-making in everyday life, this episode offers a roadmap for making thoughtful, enduring choices.