Cullen RocheCullen Roche is the Founder and Chief Investment Officer of Discipline Funds. Discipline Funds is a low fee financial advisory firm with a focus on helping people be more disciplined with their finances. He is the author of Pragmatic Capitalism: Wat Every Investor Needs to Know About Money and Finance, Your Perfect Portfolio, and the research paper Understanding the Modern Monetary System. Roche also serves on the Board of ETF Trustees for Cambria Investments. Read More Read Less