Financial Therapy 101 with Our Money Expert. He Invests Our Life Savings.

We handed our entire life-savings to him. In today’s episode, financial advisor Ryan Edlefsen shares the #1 MONEY RULE he demanded we follow before he’d touch a single dollar — plus the exact habits that turn ordinary paychecks into passive wealth.What you’ll learn:▫️ The rule that lets you stock-pick guilt-free ▫️ How a 5-minute index-fund setup beats most day-traders long-term▫️ The six-month emergency-fund formula that wipes out money anxiety▫️ Ryan’s automation ladder: employer match → Roth → mega-backdoor Roth ▫️ Why one hidden childhood belief still dictates your spending — and how to rewrite it tonight⏰ Timestamps00:00 Intro – meet the Money Therapist00:05 Why money feels like therapy01:30 Childhood baggage & finance04:11 Beginner step: 5-minute index-fund setup06:24 “Play money” vs. core portfolio08:24 Emergency fund: 6× monthly spend08:55 Automation 101 – employer match = free money09:36 Mega-backdoor Roth explained ($30 K tax-free)10:35 High-yield savings: earn 4 % doing nothing12:16 Diversifying with international & bond indexes13:31 Intermediate goal: when work becomes optional15:05 4 % rule math in plain English16:40 Couples & money: shared-account playbook18:15 The notebook audit: kill scarcity phrases19:50 Ryan’s money lessons21:33 Relationships: personal accounts vs. joint accounts24:12 When and HOW to talk about finances during dating25:45 Cherie's financial role play with Ryan27:30 The person you marry is the most important financial decision28:00 When to have the financial conversation29:40 Would Jean be comfortable making more than her husband?32:08 Pre-nup is a relationship killer?33:33 Any financial red flags between Jean and her ex?37:40 Deal or delusion: Ryan's hottest takes40:00 Outro – like, comment, rate ⭐⭐⭐⭐⭐Subscribe & tap the 🔔 so you don’t miss the next episode, and drop a comment and rate us ⭐⭐⭐⭐⭐ on Spotify and Apple Podcasts. ------------------------------------------------------------------ 🐯👯‍♀️ Tiger Sisters — Your Silicon Valley & Wall Street Big SistersDecoding Money • Power • Love✨ New episodes every Monday | Shorts all week  ✨We turn Harvard and Stanford MBA case studies and hard‑won tech & finance lessons into frameworks you can use this week.What you’ll get (and keep)▫️ 🚀 Ivy League Cheat Sheets in 30 min – no $250 K tuition required▫️ Recession‑Proof Personal Finance Rules – salary jumps, automated investing, psychology of money▫️ Networking Scripts that Work – DMs behind Goldman offers, $100M+ deals, & Fortune 500 partnerships▫️ Exclusive Sit‑downs with billionaire investors, unicorn founders, & media powerhouses▫️ Mindset & Life Design Resets – growth mindset drills minus the pricey career coach▫️ Wellness • Fashion • Habit Hacks that survive 12‑hour workdays, travel, and fun▫️ ⬇️ Free Templates & Worksheets linked in episodesResource sheet: https://shop.beacons.ai/cherie.brooke/7bd9ff2b-61a4-4658-ab26-6bac919c27cbWhy trust us?▫️ Cherie Brooke Luo – 100 M+ views demystifying big tech, finance, entrepreneurship,  & MBA life▫️ Jean Luo – ex‑Goldman, ex‑Snapchat exec, 50+ AI patents, startup investor & advisor▫️ Together: 4 Ivy degrees • built billion‑dollar product lines • two startups – translated into plain English so anyone can level‑up.------------------------------------------------------------------ 💛 LET'S CONNECT: ~ CHERIE ~🤳🏻 Instagram – https://www.instagram.com/cherie.brooke 📱 TikTok – https://www.tiktok.com/@cherie.brooke ✍🏻 My Substack – https://cherieluo.substack.com/ 👩🏻‍💻 LinkedIn – https://www.linkedin.com/in/cherie-luo/ ~ JEAN ~🤳🏻 Instagram – https://www.instagram.com/jeanluo_/👩🏻‍💻 LinkedIn – https://www.linkedin.com/in/jeanluo 🎵 Music produced by Sammy Signal https://open.spotify.com/artist/2HsyknHuxhT8RoZfn5rqMS🛍️ Items Referenced:🍵 Sisters Matcha: www.sistersmatcha.com🌀 Everything else: https://amzn.to/3z0dx5b

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