The Money Mistakes You’re Making in Your 20s & 30s

Women are silently losing over half a million dollars across their careers — not from big mistakes, but from three subtle traps: Delay, Doubt, and Default.

In this episode of Tiger Sisters, we expose how these invisible money leaks happen, why women are disproportionately affected, and the practical tools you can use to reclaim your wealth. Backed by research, real stories, and the frameworks we’ve tested ourselves, this episode will change how you think about money.

We share:
 ✅ How delaying investments or salary moves can cost ~$500K+ — and the automation trick to stop it
 ✅ Why women are 29% more likely to feel “not investment ready” — and the role-play method that flips doubt into confidence
 ✅ The danger of defaulting to the first offer, 0% 401k contributions, or cash hoarding — and how wealth circles can boost savings by 45%
 ✅ Case studies from missed Bitcoin to comp transparency spreadsheets
 ✅ A mini exercise to identify your money story: survival, victim, or creator

If you’ve ever felt behind, avoided your finances, or wondered why money feels harder than it should — this one’s for you.

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⏰ Timestamps00:00 Why women lose $500K+ in invisible wealth

02:01 Delay – The cost of waiting & power of compounding
03:42 How to beat Delay: automate & reward yourself
07:50 Quick Break: mbaMission 

09:08 Doubt – Mindset traps & the 3 money stories

13:24 Mini Exercise: Survival, Victim, Creator
14:40 How to beat Doubt: role play & mock negotiations
17:27 Default — Autopilot money decisions & UBS study
21:02 How to beat Default: create a Wealth Circle
22:04 Case study: salary transparency & collective bargaining
27:07 Wrap-up + survey & subscribe

👀 Newsletter: https://cherieluo.substack.com/

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Why trust us?

▫️ Cherie Brooke Luo – 100M+ views demystifying big tech, finance & MBAs

▫️ Jean Luo – ex-Goldman, ex-Snapchat exec, 50+ AI patents, startup investor

▫️ Together: 4 Ivy degrees • built billion-dollar products • two startups — decoded for you

What you’ll get (and keep):

▫️ 🚀 Ivy League cheat sheets – no $250K tuition required

▫️ Personal finance playbooks – salary jumps, investing, money psychology

▫️ Networking scripts – behind $100M+ deals, job offers & VC intros

▫️ Real talk with unicorn founders, VCs, and billionaires

▫️ Mindset resets – clarity minus the pricey life coach

▫️ Fashion, wellness, and productivity hacks that actually work

💛 LET'S CONNECT:

~ CHERIE ~

🤳🏻 Instagram – / cherie.brooke

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✍🏻 Substack – cherieluo.substack.com

👩🏻‍💻 LinkedIn – / cherie-luo

~ JEAN ~

🤳🏻 Instagram – / jeanluo_

👩🏻‍💻 LinkedIn – / jeanluo

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