About Cullen Roche

Cullen Roche is the founder of Discipline Funds, a financial planning–driven ETF firm focused on aligning investment portfolios with real-world time horizons rather than market predictions. He is the author of Understanding the Modern Monetary System, Pragmatic Capitalism and Your Perfect Portfolio. For more than two decades, his research and writing have helped shape the discussion around macroeconomics and portfolio construction, making him a leading voice in practical, evidence-based investing.

Three Things – Weekend Reading

By |2025-09-07T03:49:44-04:00September 7th, 2025|Discipline Alerts|

This weekend I am thinking a lot about independence. Specifically, financial independence, Fed independence and labor independence. Let's get into it. 1) Financial Independence Through Asset-Liability Matching. If you're a regular here you know that [...]

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