This week on Standard Deviations with Dr. Daniel Crosby, Dr. Crosby is joined by Cullen Roche. Cullen Roche is the Founder and Chief Investment Officer at 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.