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.