Present Perfect
In this episode of the Present Perfect Podcast, I speak with Nadine Hunkeler, certified financial planner and financial coach, about one of the most important and still misunderstood topics in modern life: how women can build real financial security and wealth in Switzerland.This conversation goes far beyond generic budgeting advice. We talk about what actually matters if you want to become financially stronger: starting early, understanding risk, using the Swiss system intelligently, building assets instead of just holding cash, and protecting yourself against the kinds of disruptions most people do not plan for.Some of the most interesting topics we covered:• why holding too much cash can quietly destroy wealth • what to do first before investing: bad debt, emergency fund, then investing• how the Swiss 3a system works and what many people get wrong about it• why having multiple 3a accounts can matter for future tax efficiency• the hidden problem with many life insurance products inside 3a• why women are often too risk-averse in investing — and what that costs over time• why diversification matters more than stock picking• why luxury items like Hermès or Chanel bags are not automatically good investments• why future financial security is not only about investing, but also about salary growth and negotiation• how AI upskilling is becoming part of financial survival and income protection• why multiple income streams and portfolio careers can create more resilience• the often-ignored role of legal protection and insurance in personal financial planning• one especially important and rarely discussed topic: the financial side of fertility planning and egg freezingThis episode is really about risk management for real life — not just retirement, but career uncertainty, inflation, family planning, income protection, and building a system that gives you more freedom over time.If you want to become more financially informed, more strategic, and more confident with money, this conversation is for you.
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