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Personal Finance 101 with Our Money Expert. He Invests Our Life Savings.
Description
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 ⭐⭐⭐⭐⭐
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