Personal Finance 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

⏰ Timestamps
00:00 Intro – meet the Money Therapist
00:05 Why money feels like therapy
01:30 Childhood baggage & finance
04:11 Beginner step: 5-minute index-fund setup
06:24 “Play money” vs. core portfolio
08:24 Emergency fund: 6× monthly spend
08:55 Automation 101 – employer match = free money
09:36 Mega-backdoor Roth explained ($30 K tax-free)
10:35 High-yield savings: earn 4 % doing nothing
12:16 Diversifying with international & bond indexes
13:31 Intermediate goal: when work becomes optional
15:05 4 % rule math in plain English
16:40 Couples & money: shared-account playbook
18:15 The notebook audit: kill scarcity phrases
19:50 Ryan’s money lessons
21:33 Relationships: personal accounts vs. joint accounts
24:12 When and HOW to talk about finances during dating
25:45 Cherie's financial role play with Ryan
27:30 The person you marry is the most important financial decision
28:00 When to have the financial conversation
29:40 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 takes
40:00 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.
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🐯👯‍♀️ Tiger Sisters — Your Silicon Valley & Wall Street Big Sisters
Decoding 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 episodes
Resource sheet: shop.beacons.ai/cherie.brooke/7bd9ff2b-61a4-46…

Why 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.
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💛 LET'S CONNECT:
~ CHERIE ~
🤳🏻 Instagram – instagram.com/cherie.brooke
📱 TikTok – tiktok.com/@cherie.brooke
✍🏻 My Substack – cherieluo.substack.com
👩🏻‍💻 LinkedIn – linkedin.com/in/cherie-luo

~ JEAN ~
🤳🏻 Instagram – instagram.com/jeanluo_
👩🏻‍💻 LinkedIn – linkedin.com/in/jeanluo

🎵 Music produced by Sammy Signal open.spotify.com/artist/2HsyknHuxhT8RoZfn5rqMS

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