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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.

Join 3,000+ women building a future of stability & freedom! https://herfinancialfreedom.net/newsletter

At 30, Laura Kusnier sold everything that didn't fit in a suitcase.

Left her corporate job in Austria.

Moved to Bali.

Started her own business.

And is now the CRO of herFinancialFreedom.

She invests in villas and padel courts.

Makes angel investments most people won't touch until they're 50.

And manages her entire family's financial portfolio.

This is boldness.

The kind that says "I'd rather lose money and learn than play it safe forever."

The kind that chooses freedom over security → and builds both anyway.

But here's what makes Laura's story different:

She's not just building wealth for herself.

She's rewriting her family's entire financial future.

Because she watched something that changed everything.

Her parents' divorce didn't just split a marriage.

It split a business. A home. A financial life built over decades.

💔 Laura was old enough to see what happened when someone wasn't prepared.

When retirement planning was an afterthought.

When wealth transfer was never discussed.

When financial independence wasn't a priority—until it had to be.

Her family scrambled to answer questions they'd never thought to ask.

And she made a decision right there:

No woman in her life would ever be financially dependent again.

Not her mom.

Not her sister.

Not herself.

So now she's the one they call:

"Bitcoin dropped, should I invest more?"

"What should we do with mom's savings?"

"Can you help set up my portfolio?"

Laura didn't ask for this responsibility.

But she took it on → because she could.

Because she had the courage.

Because she understood that expertise comes from starting.

Because she refused to let another woman in her family be excluded from the money conversation.

In this raw BOLD episode, we talk about:

💥 Why she left corporate security to bet on herself in Bali

💥 The divorce that rewired her entire relationship with money and dependency

💥 How she went from €20K "safety fund" to six-figure angel investments

💥 Being 30, feeling responsible for your family's financial decisions

💥 Why fear became her compass instead of her barrier

💥 What happens when you stop running from responsibility and start running toward freedom

Laura's not waiting for permission.

She's not waiting for the "right time."

She's not waiting for retirement to live freely.

She's building it now.

With zero apologies.

Learn more about Laura:

Instagram: https://www.instagram.com/findthewriteway/?hl=en

LinkedIn: https://www.linkedin.com/in/laura-kusnier/?locale=en_US

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.

She gave up her dream career to raise three kids.

Worked 24/7 for 10 years.

Without a single day off.

This week, I'm doing something different.

I'm sitting down with the woman who shaped everything I believe about money - my mom, Petra.

And honestly? We both cried through the prep.

In our latest BOLD episode, we talk about:

💰 The "salary" negotiation - How she told my dad: "I need my own money, I'm not asking permission"

⏰ 10 years without a vacation - Her first solo trip after a decade of non-stop motherhood

✨ The transparency pact - How they taught us about money, fairness, and responsibility from age 14

💔 The sacrifice nobody talks about - "Sometimes I thought: pack your bags and just leave"

🚨 Her biggest regret - "I wish someone had taught me about investing. Now I feel it's too late"

Here's what hit me hardest:

"Without money, you can't say no. You need that security to have choices."

My mom gave up financial independence to be there for us.

She negotiated her own "household salary" because asking for money felt wrong.

She worked harder than any corporate job I've ever seen.

And she's proud of her choices - but also vulnerable about what she gave up.

This conversation is about:

• The invisible labor of motherhood
• Why women still don't talk about money
• How to raise financially confident daughters
• The pension gap nobody prepares you for
• Breaking cycles and starting new ones

Grab tissues. Seriously.

This one's for every woman who's made sacrifices nobody counted.

And every daughter who wants to understand what her mother carried.

Join 3,000+ women building a future of stability & freedom! https://herfinancialfreedom.net/newsletter

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.