Join 3,000+ women getting the market insights Wall Street charges thousands for—delivered free to your inbox: https://herfinancialfreedom.net/market-update-podcast

She managed billions for Switzerland's wealthiest families.

Then discovered girls get 10% less pocket money than boys.

So she quit.

Dr. Mara Catherine Harvey walked away from a CEO role managing global wealth divisions to fix something we're all doing wrong:

Financial parenting.

Her wake-up call?

"We're trying to fix women's finances at 35.

But the problem starts at age 7.

We're 30 years too late."

Here's what she saw working with billionaires:

Kids think money is magic.

Why?

→ Parents tap a card to pay.

→ They keep their phone and card.

→ Nothing leaves their hands.

→ Then packages arrive at the door.

Kids' conclusion: You don't give anything away. Stuff just shows up. Wants are unlimited.

"It's every kid's dream.

It's also destroying their financial future."

The system we're taught:

Give kids 1 franc in grade 1, 2 francs in grade 2, 3 in grade 3.

What we're actually teaching:

→ Money is a weekly gift

→ Money is for wants only

→ Money increases with age

Then we wonder why adults can't manage money.

What ultra-wealthy families do differently:

They're strict. Shockingly strict.

One billionaire client's kid asked for a €100 EasyJet ticket to visit their sibling.

The response?

"What are you going to do to earn it?"

Not "Sure, honey, here you go."

Dr. Mara's biggest realization at 50:

She finally found a partner who had her back 100%.

Dropped her at the station. Cooked dinner. Managed the house.

Her first thought?

"This is what men with traditional wives experience every day."

Full support to focus on their careers.

Someone handling everything at home.

Zero guilt about working late.

Most women never have that.

In this episode:

→ Why pocket money systems program inequality

→ Fast finance = fast fashion for your wallet

→ What billionaires teach their kids (it's not what you think)

→ Her biggest money mistakes (she waited too long to invest)

→ Why "we can't afford it" destroys money mindsets

→ The one sentence that changes everything

→ $100 trillion is shifting to women → are we ready?

Her message:

"You're always someone else's role model.

Share your mistakes. Help others leapfrog obstacles.

Use that influence."

Join 3,000+ women getting the market insights Wall Street charges thousands for—delivered free to your inbox: https://herfinancialfreedom.net/market-update-podcast

Did your money work harder than you did last year?

Probably not.

You crushed your goals. Maybe got a raise. Put in the hours.

Meanwhile, your money? Just sat there.

While you were grinding → investors made 15-20% returns in 2025.

Stayed on the sidelines?

You didn't just miss out.

You lost money.

Every single day.

To inflation.

That's why my dad Stefan is back on BOLD.

This time? We're doing a full market breakdown.

For those new here, meet Stefan Jäger:

→ 40+ years in finance

→ Former Managing Director at State Street Bank

→ Bought his first bond at 14 (bought his first car with the returns)

→ Runs our family office

→ 2025 performance: Double what most portfolios made

After his first episode, you asked:

"Can Stefan break down what's actually happening?"

"How does he decide where to invest?"

"What should I be watching right now?"

So we sat down for the 2026 Market Update.

The exact analysis Stefan uses to beat the market year after year.

His take?

"Whatever you did last year created excellent returns.

Did nothing? You lost money to inflation.

Checking your portfolio twice a year isn't optional."

Real talk:

€500/month invested at 7% = €250K+ in 20 years.

Wait just 2 years to start? You lost €45K

That's compound interest working against you.

In this episode, we break down:

💡 What happened in 2025 markets (and what it means for you)

💡 Why 70% US exposure isn't the disaster advisors claim

💡 GDP, inflation, returns → explained without finance bro nonsense

💡 Emerging markets reality → "It's gambling, not investing"

💡 Real vs. nominal interest rates (your savings account lies)

💡 The 3 investor levels: Losers, Intermediates, Nerds

💡 What we're watching in 2026 (and avoiding completely)

Stefan wasn't born a finance genius.

He wasn't trained as a portfolio manager.

He just started. Small. Consistent.

Learned on the job. Tested strategies. Stayed curious.

Now? He beats the market. Regularly.

"Everyone can do this. You just decide how deep you want to go."

Reality check from our conversation:

→ "Safe" portfolios made 15-20% last year (did yours?)

→ German DAX companies barely care about Germany's economy

→ Turkey offers 20% returns but 50% inflation (you're still losing)

→ One client saved €230K by understanding her fees

→ Stefan moved from 100% real estate to 99% equities (here's why)

This is the market update we do for the herCircle.

Now it's yours.

40+ years of wisdom. Father-daughter real talk. Zero jargon.

Join 3,000+ women getting the market insights Wall Street charges thousands for—delivered free to your inbox: https://herfinancialfreedom.net/market-update-podcast

She earned a quarter of a million in corporate consulting.

In the country of finance, no less.

Had everything checked off the "success" list.

Then she walked away.

This week, I'm sitting down with someone who chose energy over income - Stefania Lanfranchi.

And what she revealed? It changed how I think about what we're actually sacrificing.

In our latest BOLD episode, we talk about:

💼 The corporate exit - Why passion for health outweighed a six-figure strategy consulting career

⚡ The performance trap - "I was getting external validation but neglecting myself completely"

🧠 Energy vs. hustle - How she upgraded entire teams' performance by changing their breakfast

👥 The people-pleaser pattern - "I did everything. Sustainability team. Event organizing. Why?"

💰 The money shift - "My concept of success 10 years ago versus now? Different world."

Here's what hit different:

"Without investing in yourself first - your health, your boundaries - you'll neglect everything else too. Including your finances."

Stefania didn't burn out and quit.

She realized she was running on fumes, chasing someone else's definition of winning.

She saw her colleagues destroying their bodies for performance.

And she decided to build a business around what actually matters - helping high achievers stop sacrificing their health for success.

This conversation is about:

- Why "working smarter" starts with your energy levels, not your calendar

- The invisible cost of people-pleasing in corporate careers

- How childhood shapes both your health AND money patterns

- Breaking free from external validation addiction

- Designing a life around community, not compensation

Episode drops tomorrow.

This one's for every woman who's been the "good performer."

And every high achiever who's finally ready to prioritize themselves.

Learn more about Stefania:

LinkedIn: https://www.linkedin.com/in/stefania-lanfranchi/

Instagram: https://www.instagram.com/nia.ages.well/?hl=en

Disclaimer:

The information provided in this podcast is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be relied upon as such.

Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal.

Participants are encouraged to consult with a licensed financial advisor, tax professional, or other qualified expert before making any financial decisions.

While every effort has been made to ensure accuracy, no guarantee is made as to the completeness or reliability of the information presented.

Join 3,000+ women getting the market insights Wall Street charges thousands for—delivered free to your inbox: https://herfinancialfreedom.net/market-update-podcast

At 21, Cedric Pharand sold everything.

Ditched his girlfriend.

Left his family.

Bought a one-way ticket to the Philippines.

Why?

"Fixed costs were preventing my freedom of movement."

Now at 29?

He runs a multi-million dollar digital agency.

25 employees across the globe.

Works 12-hour days, 6 days a week.

Multiple properties in Dubai.

And he still doesn't know where to invest his cash.

Crazy, right?

This guy built an empire from scratch

→ started hustling at 14 on eBay

→ worked his way from zero to millions.

But watching his hard-earned $400K drop to $75K in crypto?

That trauma stuck.

Here's what hit me hardest about Cedric's story:

His dad built their family home at 21.

Worked the same job for 35 years.

Never bought a new car.

Counted every dollar with his mom at the kitchen table.

Cedric watched it all.

The responsibility. The sacrifice. The limitations.

And he decided: I'm doing the opposite.

No stability. No safety net. No "wait and see."

Just → move fast, take risks, build empire.

In this raw BOLD episode, we dig into:

💥 Why he dropped out of college and his dad finally accepted it

💥 The $400K crypto mistake that still haunts him (and why he won't invest now)

💥 Working 12-hour days for 10 years straight → was it worth it?

💥 What he sacrificed to get here (spoiler: almost everything)

💥 Why Dubai feels sterile and fake → even when you're winning

💥 The shift from "heads down grinding" to "connections build empires"

Cedric doesn't compartmentalize life.

Business. Money. Freedom. Family. Girlfriend.

It's all one game.

And he's playing to win.

Learn more about Cedric:

LinkedIn: https://www.linkedin.com/in/cedric-pharand?originalSubdomain=ae

Web Tonic: https://www.webtonic.io/en

Disclaimer:

The information provided in this podcast is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be relied upon as such.

Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal.

Participants are encouraged to consult with a licensed financial advisor, tax professional, or other qualified expert before making any financial decisions.

While every effort has been made to ensure accuracy, no guarantee is made as to the completeness or reliability of the information presented.

Join 3,000+ women building a future of stability & freedom! https://herfinancialfreedom.net/newsletter

At 30, Laura Kusnier sold everything that didn't fit in a suitcase.

Left her corporate job in Austria.

Moved to Bali.

Started her own business.

And is now the CRO of herFinancialFreedom.

She invests in villas and padel courts.

Makes angel investments most people won't touch until they're 50.

And manages her entire family's financial portfolio.

This is boldness.

The kind that says "I'd rather lose money and learn than play it safe forever."

The kind that chooses freedom over security → and builds both anyway.

But here's what makes Laura's story different:

She's not just building wealth for herself.

She's rewriting her family's entire financial future.

Because she watched something that changed everything.

Her parents' divorce didn't just split a marriage.

It split a business. A home. A financial life built over decades.

💔 Laura was old enough to see what happened when someone wasn't prepared.

When retirement planning was an afterthought.

When wealth transfer was never discussed.

When financial independence wasn't a priority—until it had to be.

Her family scrambled to answer questions they'd never thought to ask.

And she made a decision right there:

No woman in her life would ever be financially dependent again.

Not her mom.

Not her sister.

Not herself.

So now she's the one they call:

"Bitcoin dropped, should I invest more?"

"What should we do with mom's savings?"

"Can you help set up my portfolio?"

Laura didn't ask for this responsibility.

But she took it on → because she could.

Because she had the courage.

Because she understood that expertise comes from starting.

Because she refused to let another woman in her family be excluded from the money conversation.

In this raw BOLD episode, we talk about:

💥 Why she left corporate security to bet on herself in Bali

💥 The divorce that rewired her entire relationship with money and dependency

💥 How she went from €20K "safety fund" to six-figure angel investments

💥 Being 30, feeling responsible for your family's financial decisions

💥 Why fear became her compass instead of her barrier

💥 What happens when you stop running from responsibility and start running toward freedom

Laura's not waiting for permission.

She's not waiting for the "right time."

She's not waiting for retirement to live freely.

She's building it now.

With zero apologies.

Learn more about Laura:

Instagram: https://www.instagram.com/findthewriteway/?hl=en

LinkedIn: https://www.linkedin.com/in/laura-kusnier/?locale=en_US

Disclaimer: The information provided in this podcast is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be relied upon as such. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Participants are encouraged to consult with a licensed financial advisor, tax professional, or other qualified expert before making any financial decisions. While every effort has been made to ensure accuracy, no guarantee is made as to the completeness or reliability of the information presented.

She gave up her dream career to raise three kids.

Worked 24/7 for 10 years.

Without a single day off.

This week, I'm doing something different.

I'm sitting down with the woman who shaped everything I believe about money - my mom, Petra.

And honestly? We both cried through the prep.

In our latest BOLD episode, we talk about:

💰 The "salary" negotiation - How she told my dad: "I need my own money, I'm not asking permission"

⏰ 10 years without a vacation - Her first solo trip after a decade of non-stop motherhood

✨ The transparency pact - How they taught us about money, fairness, and responsibility from age 14

💔 The sacrifice nobody talks about - "Sometimes I thought: pack your bags and just leave"

🚨 Her biggest regret - "I wish someone had taught me about investing. Now I feel it's too late"

Here's what hit me hardest:

"Without money, you can't say no. You need that security to have choices."

My mom gave up financial independence to be there for us.

She negotiated her own "household salary" because asking for money felt wrong.

She worked harder than any corporate job I've ever seen.

And she's proud of her choices - but also vulnerable about what she gave up.

This conversation is about:

• The invisible labor of motherhood
• Why women still don't talk about money
• How to raise financially confident daughters
• The pension gap nobody prepares you for
• Breaking cycles and starting new ones

Grab tissues. Seriously.

This one's for every woman who's made sacrifices nobody counted.

And every daughter who wants to understand what her mother carried.

Join 3,000+ women building a future of stability & freedom! https://herfinancialfreedom.net/newsletter

Disclaimer: The information provided in this podcast is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be relied upon as such. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Participants are encouraged to consult with a licensed financial advisor, tax professional, or other qualified expert before making any financial decisions. While every effort has been made to ensure accuracy, no guarantee is made as to the completeness or reliability of the information presented.

They drained their entire investment accounts.

Built a business from scratch.

And they're doing it together.

Meet Tanja and Dina → two ex-corporate friends who bet everything on themselves and opened RED, Zurich's red light therapy + mindfulness studio.

In our latest BOLD episode, we talk money, mistakes, and momentum:

💰 Tanja's money secret? Her dad sat her down at the age of 14 and made her calculate the cost of her lifestyle

💸 Dina's late 20s wake-up call → "I got really angry at myself for being so ignorant about money"

📊 How they run their business → Excel sheets, monthly bookkeeping, zero excuses

🚀 Pulling every franc from their portfolios to bootstrap their dream

✨ The 10 francs a week trick → start small, stay consistent, embody your future self

Here's the vibe:

These two are proof that you can start over at any age.

Dina spent her 20s buying €400 shoes instead of investing. Now she's all in on dollar cost averaging.

Tanja automated her savings from day one. Now she's the CFO keeping their dream alive.

Different paths. Same mission.

Where there's a will, there's a way.

This conversation is about:

→ Forgiving yourself for past money mistakes

→ Starting with what you have (even if it's tiny)

→ Building your freedom number

→ Making your future self proud

Perfect listen for anyone who's ever thought "I wish I'd started earlier."

Spoiler: It's not too late.

Join 3,000+ women building a future of stability & freedom! https://herfinancialfreedom.net/newsletter

Learn more about Tanja & Dina:

Tanja: https://www.instagram.com/girlconsultant_/

Dina: https://www.instagram.com/dinaholzapfel/

red. House of Collagen: https://redhouseofcollagen.com/

Disclaimer: The information provided in this podcast is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be relied upon as such. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Participants are encouraged to consult with a licensed financial advisor, tax professional, or other qualified expert before making any financial decisions. While every effort has been made to ensure accuracy, no guarantee is made as to the completeness or reliability of the information presented.

Inès Gafsi quit every corporate job she had.

Then built three companies empowering 20,000+ women across Asia Pacific.

From Tunisia to France to London to Hong Kong → she's lived the international life most people only dream about.

And now she's sharing exactly how she did it.

In this episode, Inès gets raw about:

→ Why she kept quitting jobs (hint: stubborn belief she could do better and innovate more)

→ The moment she realized marketing luxury brands wasn't her passion

→ How two young women with zero business background built FEW (Female Entrepreneurs Worldwide) from one event to 20,000 members

→ Her mom's influence as a solo parent working night shifts to build a better life

→ Strategic fundraising vs. bootstrapping (and why she'd do it again)

→ Network building secrets that got her access to top doctors, investors, and experts worldwide

→ The messy truth about combining motherhood with entrepreneurship

→ Why girls aged 14-16 in lower socioeconomic areas need visible role models (Inspiring Girls)

The quote that hit different:

"If we don't reach for the stars, we'll never really know what happened. We need to dream big from the get-go."

This episode is for you if:

✅ You feel stuck in corporate and wonder if there's more

✅ You're building something but doubt yourself constantly

✅ You want to understand strategic network building (not transactional BS)

✅ You're curious about raising funds vs. bootstrapping

✅ You're balancing ambition with motherhood (or thinking about it)

✅ You believe women deserve better access, exposure, and role models

Key takeaway:

Stop waiting for the "right time" to build what you want.

Inès didn't have the background, the connections, or the business degree.

She had passion, persistence, and a stubborn belief she could create the room she wanted to be in.

And she did.

Listen now to hear how she turned uncertainty into Asia's largest female founder network.

Join 3,000+ women building a future of stability & freedom! https://herfinancialfreedom.net/newsletter

Learn more about Inès:

Instagram: https://www.instagram.com/inesbernz/?hl=en

LinkedIn: https://hk.linkedin.com/in/inesgafsi

Inspiring Girls Hong Kong: https://www.inspiringgirlshongkong.com/

Blissmi Health: https://myblissmi.com/

Female Entrepreneurs Worldwide: https://online.few.community/

Disclaimer: The information provided in this podcast is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be relied upon as such. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Participants are encouraged to consult with a licensed financial advisor, tax professional, or other qualified expert before making any financial decisions. While every effort has been made to ensure accuracy, no guarantee is made as to the completeness or reliability of the information presented.

The best wealth lessons aren’t learned in boardrooms; they happen around the dinner table.

My dad, Stefan, is one of the biggest reasons I became BOLD.

He grew up watching his father work 12-hour days building apartments, never touching stocks. I grew up in banking, managing billions for clients, but I didn’t start investing my own wealth until my 30s.

That gap between knowing and doing changed everything for me, and it started with my dad’s lessons about freedom.

What you’ll learn:

• Why my dad’s goal of one million Deutschmarks wasn’t about greed, but freedom, and how that mindset shift shaped how I see wealth today
• The real reason people avoid investing: it’s fear of losing control, not lack of knowledge
• How building a safety net early transforms your career from necessity into choice
• Why starting small beats waiting for perfection, and how my dad went from punch cards to portfolio manager

Wealth isn’t about the money you make, it’s about the freedom it buys you.

This conversation changed how I think about inheritance, discipline, and building something that lasts.

My dad didn’t just teach me about wealth; he taught me what it means to take ownership.

And that’s what being BOLD is all about.

Ready to build the kind of freedom where work feels like a hobby and your future is secure?

Follow BOLD by Cristina Jaeger ****for more conversations that push you to think deeper, act sooner, and take control of your story.

Stay with us for the next episodes, and keep growing alongside women who are choosing to live on their own terms.

Join 3,000+ women building a future of stability & freedom! https://herfinancialfreedom.net/newsletter

Disclaimer: The information provided in this podcast is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be relied upon as such. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Participants are encouraged to consult with a licensed financial advisor, tax professional, or other qualified expert before making any financial decisions. While every effort has been made to ensure accuracy, no guarantee is made as to the completeness or reliability of the information presented.

The secret to healthy skin is the same as building lasting wealth.

I sit down with Dr. Liv Kraemer, dermatologist and skincare entrepreneur, to reveal why both come down to one thing: start early, stay consistent, and take ownership.

Dr. Liv left the hospital system because her patients were overwhelmed, dependent, and never truly educated. I left banking for the exact same reason.

What You’ll Learn:

• Why "knowledge is power" applies to both your skin and your goals, and how to stop fearing what you don't yet understand
• The parallels between skin longevity and building freedom: prevention, consistency, and listening to your own needs
• How to break free from dependency (on expensive products or advisors who don't educate you)
• Why starting small beats waiting for perfection, whether it's a new habit or taking your first bold step toward independence

Two women. Two completely different industries.

One powerful realization: you don't need permission to take control of your life.

This conversation will change how you think about self-care, long-term planning, and what it really means to invest in your future self.

If you've been waiting for a sign to start living boldly, this is it.

You don’t need permission to live boldly, just the courage to begin.

Follow BOLD by Cristina Jaeger for more conversations that push you to think deeper, act sooner, and take control of your story.

Join 3,000+ women building a future of stability & freedom! https://herfinancialfreedom.net/newsletter

Learn more about Dr. Liv:

Instagram: https://www.instagram.com/drliv/?hl=en

Youtube: https://www.youtube.com/@DrLivSkincare

LinkedIn: https://ch.linkedin.com/in/drliv

Disclaimer: The information provided in this podcast is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice, nor should it be relied upon as such. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Participants are encouraged to consult with a licensed financial advisor, tax professional, or other qualified expert before making any financial decisions. While every effort has been made to ensure accuracy, no guarantee is made as to the completeness or reliability of the information presented.