BOLD by Cristina Jaeger

por Cristina Jaeger

Temporada 1

6 Numbers Every High-Earning Woman Should Know (EP#22)

Get the free finance tracker and get clarity on where your money goes: herfinancialfreedom.net/finance-tracker Stop blaming your coffee to-go. Women aren't behind because of oat milk lattes. They're behind because the numbers were rigged before we ever opened a bank account. I'd know. I grew up with a banker dad, spent years managing billions for the ultra-rich — and I still didn't invest a franc until my 30s. The odds are stacked before we even begin: → Women in Switzerland still earn 16% less than men — and 7% of that gap has no explanation at all → We live around 3.5 years longer, so we have more years to fund with less money to fund them → Only 22% of women rate their financial knowledge as good — and it's not ability; it's a confidence gap Nobody hands us a plan to close that gap. So here's the shift: you can't rewrite the system today. But there are 6 numbers that are entirely yours — and the women I see building real, lasting wealth all know them cold. Not their salary. Not their bank balance. The numbers that show how hard their money is actually working for them. In this episode, I walk you through all 6: → Your savings rate → Your conscious spend score → Your bucket count → Your net worth → Your portfolio return rate → Your financial independence date Knowing them is step one. Tracking them is where the magic happens. Because you can't grow what you've never looked at — and every single month you invest moves your freedom date closer. Knowing it changes how you negotiate. The risks you take. What you're finally willing to say no to. 💬 Which of these 6 numbers do you actually know off the top of your head? #SwissWomenInFinance #WomenAndMoney #FinancialFreedomWomen #SwitzerlandFinance #InvestierenFürFrauen #FemaleInvestor #GeldFürFrauen

T1 · E22

28 ago 2026

16:33

How to Land a Remote Job Without Quitting First: A Recruiter's Playbook with Juliana Rabbi (EP#21)

Join 3,000+ women building real wealth. Get notified when new BOLD episodes drop, receive monthly jargon-free market updates, and get access to our WhatsApp community. 👉 herfinancialfreedom.net/newsletter Juliana had interviewed 74,000 people for their dream jobs. It took her 15 years to go after her own. In 2019 — five years before COVID made it normal — Juliana Rabbi walked away from a 15-year career as an international recruiter at multinational giants to build a business that goes wherever she goes. No safety net. No plan B. Just a number in her savings account she was willing to lose. Today: 64 countries. 800+ professionals coached across five continents. A life entirely on her own terms. I sit down with Juliana for one of the most honest conversations yet. About the freedom that comes with decisions like that. But also about the price. What you'll learn: - The Mauritius window moment — and what it actually takes to act on a feeling you've been ignoring for years - How she built her exit: four income streams, a savings safety net, and one very specific number - Why women undersell dinosaur eggs and men oversell sparrows' - The real cost nobody posts about: missed birthdays, non-linear friendships, grieving old versions of yourself - The scarcity mindset that almost broke her business — and the delegation decision that saved it - Managing personal wealth across multiple countries and currencies with no pension system backing you up - Why investing in yourself has a higher ROI than the stock market Her final words: "Don't ignore that feeling that there is more. Don't suffocate it. Recognizing it and acting on it are very different things." 💬 Have you ever watched your own life through a window and thought — this isn't how I want to be here? Connect with Juliana Rabbi: Website: https://julianarabbi.com/ LinkedIn: https://www.linkedin.com/in/julianarabbi-career-coach Instagram: https://www.instagram.com/juliana.rabbi/?hl=en

T1 · E21

14 ago 2026

1:06:35

6 Questions to Ask Your Financial Advisor (Before You Trust Them With Your Money) (EP#20)

Download your FREE Questions To Ask Your Service Provider Guide. Get the answers you need by asking the right questions to your banker: herfinancialfreedom.net/questionstoaskyourbanker How to challenge your financial advisor: A full breakdown. 67% of women don't feel understood by their financial advisors. Studies show we receive worse advice, are spoken to less in meetings, and more often steered toward costly funds — even when we signal high confidence and high risk tolerance. This isn't a you problem. It's a system problem. And today I'm fixing it. In this solo episode I walk you through exactly what to ask your financial advisor so you walk in prepared, confident, and in control. What you'll learn: - Why they must understand your goals before recommending anything - How to pressure-test their investment strategy - Which documents to always request - How to decode every layer of fees - What kickbacks are — and why you need to ask about them - How to make sure you're in the most cost-efficient products 💬 Have you ever walked out of a financial advisor meeting with no idea what just happened? #SwissWomenInFinance #WomenAndMoney #FinancialFreedomWomen #SwitzerlandFinance #InvestierenFürFrauen #FemaleInvestor #GeldFürFrauen

T1 · E20

31 jul 2026

17:42

"Investing Is a Language — And You're Not Too Stupid to Learn It" with Anja Spilker (EP#19)

Join 3,000+ women building real wealth. Get notified when new BOLD episodes drop, receive monthly jargon-free market updates, and get access to our WhatsApp community. 👉 herfinancialfreedom.net/newsletter She left a small German town at 17 – then built her empire. Now she’s running the largest German learning community in Latin America — across five countries, twelve languages, and zero fixed address. Anja Spilker, founder and CEO of Zaloa Languages, bootstrapped for nine years, survived COVID, rebuilt her entire business model overnight, doubled her revenues — and turned her biggest client into her first investor. I sat down with her in Mexico City for one of the most honest conversations yet. Because Anja doesn't do polished. She does real. Here's what you’ll learn in this episode: → The personal advisory board — Anja was jealous of her own company's mentors. So she built one for her life. A stranger in an Austin bathroom started it all. → Falling out of love with your own business — Seven years in, no vacation, completely burnt out. What it actually took to fall back in. → The biggest financial mistake she made — Nine years bootstrapping. There were months she paid everyone on her team. Not herself. → Pay yourself first — The rule she ignored for years, and what it cost her. → Investing is like learning a language — The A2 frustration is real. But fluency comes. And once it does, you can finally talk back to your banker. → Don't follow your passion. Build a business model. — The difference between the two is everything. → The wheel of life — A simple check-in exercise that shows you which tire needs air right now. And why ignoring one affects all the others. → What society gets wrong about ambition — Especially for women raised to look outward before they ever look in. Her closing words: "Trust your intuition. Numbers are amazing. My intuition is even better." Connect with Anja Spilker Instagram: https://www.instagram.com/anja_from_alemania / https://www.instagram.com/aleman_con_zaloa LinkedIn: https://mx.linkedin.com/in/anja-from-alemania Website: zaloalanguages.com

T1 · E19

17 jul 2026

1:07:25

10 Money Myths That Keep High-Earning Women From Getting Wealthy (EP#18)

You don't have a knowledge problem. You have a belief problem. And it's costing you more than you think. After years managing wealth for the ultra-rich, here's what I know: The #1 thing holding most women back financially isn't ability. It's the money myths we inherited — from our families, our relationships, the society that raised us to be good girls, not wealthy ones. Today I'm busting 10 of them. And at least one will stop you mid-scroll. "Talking about money is rude" → Silence protects the people already paying you less than you deserve. Women who talk openly about salaries earn more. Full stop. "Someone else will handle it" → 80% of women end up managing finances alone — usually after a divorce or loss. Without a foundation, that moment is devastating. "Investing is too risky" → Not investing is the real risk. $15K in a savings account 15 years ago? Worth $10K today. Inflation wins while you wait. "I'm not a numbers person" → Personal finance isn't math. It's behavior. You only need to know what comes in, what goes out, and where you want to go. "Asking for more is greedy" → Not negotiating costs women $1 million in lost earnings over a career. Not because we weren't good enough. Because we didn't ask. "I should take care of everyone else first" → You can't support the people you love from an empty account. Financial self-care isn't selfish — it's how you protect them long-term. "I'll start when I earn more" → There will always be a reason to wait. Every month you delay is compounding you'll never get back. "All debt is bad" → Bad debt costs you. Strategic debt builds wealth. Every wealthy client I worked with? They leverage everything. "I don't need my own financial identity" → Every woman needs her own account, emergency fund, and pension visibility. Not because things will go wrong. Because life is unpredictable. "Wanting wealth makes me materialistic" → Wealth is options. The ability to say no to what drains you — and yes to what you actually want. The moment you spot the belief, you can change it. That's where everything starts. 💬 Which of these hit closest to home for you?

T1 · E18

3 jul 2026

24:54

Property, Marriage, and Money: What No One Discusses Out Loud with Christina Kadic (EP#17)

Join 3,000+ women building real wealth. Get notified when new BOLD episodes drop, receive monthly jargon-free market updates, and get access to our WhatsApp community. 👉 herfinancialfreedom.net/newsletter She runs a luxury real estate firm in one of the wealthiest, most tax-advantaged corners of Switzerland. Zero social media. Zero press. Zero public profile. And her clients call her the best in the business. Today, for the first time ever, she's talking publicly about all of it. This is Christina Kadic. She spent almost 15 years in finance before walking away to build a real estate firm rooted in something most people never think about: staging properties like art exhibitions, and quietly teaching the women in her circle that real estate isn't just a purchase — it's a wealth tool. Here's what really hit me: "If they don't know how to do something perfectly, they do nothing." That's what she sees in smart, accomplished women over and over — degrees, careers, ambition. And still, completely checked out of real estate and their own finances. Because somewhere along the way, we decided we have to be perfect before we're allowed to start. In this episode: → Why so many successful women never even open the box on real estate → The real difference in how women and men approach buying property → The €100,000+ mistake people make when they skip due diligence → A story about a 70-year-old widow who lost her home of 30 years — and what she didn't prepare for → Why "I could never" is the most expensive sentence in real estate → The smallest possible first step into building wealth through property → What it actually means to build a business with a partner who sees what you don't This conversation is about more than real estate. It's about the rooms we don't walk into because we're afraid we don’t belong. Connect with Christina Kadic: Instagram: LinkedIn: https://www.linkedin.com/in/christina-r-kadic-2299b617?originalSubdomain=ch Website: https://www.panthere-properties.ch/

T1 · E17

20 jun 2026

56:39

The 10 Step Finance Checklist I Wish Someone Gave Me At 25 (EP#16)

Download the free all-in-one guide to understanding your money, and making it work for you: https://herfinancialfreedom.net/ultimate-finance-checklist I managed billions for the ultra-wealthy. And still didn't start investing until my 30s. Let that sink in. So if you're smart, successful, and your money is just sitting in a bank account doing absolutely nothing — I get it more than you know. Nobody ever sat you down and said: here is exactly what to do. And in which order. That's what I'm doing in this episode. I'm walking you through my complete 10-step finance checklist. No jargon. No overwhelm. Just a clear path forward — finally. In this episode: → Why "I want to save more" is the most useless financial goal you can set → The money story you've been carrying since you were 7 — and how to rewrite it → The one trick that made my client stop living paycheck to paycheck (on a great salary) → Why the gender pension gap is almost 50% — and what to actually do about it → How to start investing with almost nothing and why the amount matters less than you think → The "pizza portfolio" method for diversification that finally makes it click → How to know whether you should manage your own money or hand it to someone else → Why most women do all the research — and never press the button → The monthly ritual that keeps your wealth actually growing Plus — a free checklist that pulls everything together. The fact that you're here already tells me you're ready. 💬 Which of these is the one you've been avoiding? #herfinancialfreedom #finance #investing #personalfinance #wealthbuilding

T1 · E16

6 jun 2026

35:34

Uncaged & In Charge: A Good Girl's Guide To Owning Her Life (And Money) with Katia Vlachos, P.h.D. (EP#15)

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 had a PhD from RAND. A master's from Harvard Kennedy School. And didn't open her own bank folders until her divorce. Dr. Katia Vlachos spent 17 years following her husband across three continents, slowly handing over her finances, her career, and herself — one accommodation at a time. Not because she was forced to. Because she chose to. And that took a decade to admit. "Being a victim kept me comfortable. But deeply unhappy. And completely stuck." The real cost nobody counted: → A thriving career in international security — quietly abandoned in Vienna → Pension contributions? Never tracked. → First budget? Early 40s. After the divorce. → Revenue goals for her own business? Still hitting walls from money blocks she didn't know she had. What changed everything wasn't the leaving. It was the moment she stopped blaming and started choosing. "I have my own back. No matter what. That makes failure so much less threatening." In this episode: → How "good girl" conditioning shapes every financial decision — without you knowing → Why expat partnerships quietly create financial dependence in highly capable women → Hesitating to invest in yourself is also a cage → From supporting character to hero of your own story Her challenge to you: "What's one thing you've always wanted to do but keep shutting down? Find the smallest possible step. That's how momentum starts." Learn more about Katia: Website: https://www.katiavlachos.com/ LinkedIn: https://linkedin.com/in/katiavlachos Instagram: https://www.instagram.com/katia.vlachos/ Chapters: 2:48 – From Harvard to Housewife: Katia’s Story When did the golden cage actually start closing? 5:30 – From Victim to Agency: The Mindset Shift Stopping the blame game and owning your choices. 14:36 – The Financial Cost of Following Hidden price of expat dependency and pension gaps. 24:30 – Money Stories from Childhood How family programming shaped decades of financial decisions. 34:40 – Taking the Leap: How Reinvention Actually Starts The 6-step roadmap, beginning with leaving survival mode. 50:06 – Rebuilding Financial Independence in Your 40s First budget, divorce negotiations, and learning business finances. 59:34 – What It Takes to Build a Life That's Truly Yours Self-trust, real freedom, and one action to start.

T1 · E15

19 may 2026

1:06:37

The 4 Steps to Financial Freedom (Free Workbook) (EP#14)

4 Steps to Financial Freedom Workbook: https://herfinancialfreedom.net/4-steps-to-financial-freedom Join Our hFF Community: https://herfinancialfreedom.net/newsletter Most women know they should invest. They just don't know where to start. So they wait. And waiting is the most expensive thing you'll ever do. I know — because I spent over a decade managing billions for the ultra-wealthy. And what I saw over and over again? The gap isn't knowledge. It's the story you're telling yourself. Here's what stopped my clients cold when I said it: "By age seven, your money mindset is already formed." Everything you believe about money — scarcity, fear, 'I can't afford it' — was decided before you even started school. And it's quietly running your financial life right now. But here's what I also know: It can be unlearned. In this episode, I'm sharing the exact four-step framework I built from everything I learned in wealth management — so you can finally stop feeling overwhelmed and start building real wealth. We talk about: → The one mindset shift that changes everything → Why "I want to save more" will change absolutely nothing → The bucket strategy I use myself to manage wealth across countries and currencies → Why timing the market is the wrong game entirely → The 4 steps to go from paralysed to actually invested And yes — I made you a free workbook to go with it. 30 minutes. Four steps. No excuses left. "The best time to start was 20 years ago. The second best time is today."

T1 · E14

1 may 2026

28:10

How to Invest for Your Child (Step by Step) — The Gift That Beats Any Savings Account (EP#13)

Get the free investing for kids workbook and set them up for financial success: https://herfinancialfreedom.net/investing-for-kids What if your child could have a down payment for their first home — by the time they're 18? Not by inheritance. Not by luck. By €100 a month. Starting today. That's exactly what this episode is about. A complete step-by-step guide on how to start investing for your kids — even if you've never done it before, even if you start with €20, and even if your child was born yesterday. Because here's the numbers: Invest €100/month from the day your child is born at an average return of 7% — You put in €21,600 of your own money. They receive over €42,000 at 18. That's compound interest. Einstein called it the 8th wonder of the world. And it works exactly the same for your child's future. When my niece was born, I did exactly what I tell my clients to do. I forced my brother to open a brokerage account in her name. Wired the first €500 myself. And before she could even walk — she was already investing. In this episode, I walk you through the full 6-step framework: → Set the goal — first home, education, first car? Put a real number on it. → Choose the right account — Junior Depot, custodial accounts, what to look for → Build the right portfolio — how your time horizon changes everything → Invest regularly — small amounts, automated, that you won't even feel → Educate them — it's not just the interest that compounds. It's the mindset. → Monitor, don't obsess — studies show the best-performing investor group is dead people. They just left the money alone. Plus the platforms I actually recommend. The best time to start was the day they were born. The second best time is today.

T1 · E13

18 abr 2026

29:12

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