Why delaying investing can quietly cost you thousands
Somewhere between moving countries, building careers, and doing everything right, money becomes that quiet thing we promise we will deal with later. Later, when we know more. Later, when it feels less intimidating. Later, when we finally have time.
In this episode, Julia Tatje sits down with Cristina Jaeger, founder of Her Financial Freedom, to talk about why later has a way of getting very expensive and what internationally mobile women can actually do about it today.
Cristina spent over 14 years in international wealth management, from Zurich to Hong Kong, advising high-net-worth and ultra-high-net-worth clients building investment strategies and growing multi-million portfolios. Today, through Her Financial Freedom, Cristina helps women worldwide take ownership of their finances with the goal of strengthening financial education and enabling true independence through investing. Through her signature Wealth Mentoring program, she guides women step by step with clear strategies, practical tools, and a deeply supportive community.
And there is one number from this conversation you may want to write down: Waiting just two years to invest 500 francs a month can cost you around 50,000 francs over the next 20 years.
In this Episode
Why brilliant, ambitious women treat their financial future like a relationship they will commit to once life calms downWhy finances are not just rational, but deeply emotional, shaped by upbringing, relationships, and confidenceThe pension gap, wealth gap, and lifetime earning gap - and why even financially independent women are still shocked by the numbersWhat happens when women outsource financial decisions for too long and why the cost is often only visible years laterPension planning across borders: why internationally mobile women are especially exposedReal client stories: from costly fees and missed investments to six-figure portfolio turnarounds and regained confidenceWhy “I’ll deal with it later” often turns into the most expensive decision financially and emotionallyHow to eat the elephant: small, imperfect, but consistent steps that build real momentumThe BOLD podcast, free webinars, finance tools, and the Her Financial Freedom communityThe Bottom Line
If you have been waiting until you understand everything: You will never feel fully ready. The cost of waiting is measurable, and it is significant. Two years costs you 50,000 francs. Start anyway.
If you invest but have never heard of DA-1 relief: You may be leaving money on the table every single year. This is a right, not a workaround, and it applies to many international investors in Switzerland.
If your pension is fragmented across countries: This is one of the most expensive blind spots for internationally mobile women, and one of the most fixable. The earlier you look at it, the better the outcome.
If you think this is just about money: It isn`t. It is about confidence, clarity, and the ability to make decisions in finances and far beyond.
Host and Guest
Julia Tatje - Swiss tax specialist for internationals. Founder, taxum AG.
Cristina Jaeger - Founder of Her Financial Freedom. Former international banker with over 14 years of experience in global wealth management, advising high-net-worth clients. Today, she helps women build financial confidence, invest with clarity, and create long-term independence through education, mentoring, and community.
Website: https://herfinancialfreedom.net/
LinkedIn: https://www.linkedin.com/in/cristina-jaeger-7449428a/
Instagram: https://www.instagram.com/her.financialfreedom/
Listen und Connect
Spotify https://open.spotify.com/show/3T0ihuKjeYmrxfSY0rSP7l?si=bcf62338b706446d · Apple Podcasts https://podcasts.apple.com/us/podcast/tax-and-the-city/id1858716652
Taxum AG: taxum.ch · Beratungsgespräch buchen: https://www.taxum.ch/kontakt
Her Financial Freedom: https://herfinancialfreedom.net/ · BOLD Podcast: https://herfinancialfreedom.net/bold · Free Finance Tracker: https://herfinancialfreedom.net/hff-finance-tracker
