Financial Hacks that Changed My Life

In this episode of Sister-in-Law, Bri and Cambria dive into real-life money hacks that have transformed Cambria’s financial trajectory over the last decade.

From hiring a financial advisor in Cambria's 20s (yes, even before she felt “rich enough”) to unlocking the power of backdoor Roth IRAs, ESPPs, and 401k loan strategies — this conversation breaks down financial concepts in a way that’s actually digestible.

They also tackle the gender gap in financial literacy, why women need to own their money stories, and how financial confidence equals freedom, options, and peace of mind.

If money conversations have ever felt intimidating, this episode will leave you empowered instead.

In this episode, we cover:

• Why hiring a financial advisor earlier than you think can change everything

• The real difference between Traditional IRAs, Roth IRAs, and Backdoor Roth IRAs

• Why Roth IRAs are a non-negotiable wealth-building tool

• How ESPPs (Employee Stock Purchase Plans) can function like a built-in raise

• The underrated 401k loan strategy for home buying

• Why women must stay financially literate — even in partnerships

• Money as freedom, not just numbers

Timestamps:

• 00:00 – Stress levels, cortisol, and the health-girl era

• 07:30 – Today’s topic: money hacks that aren’t boring

• 10:00 – Hack #1: Hiring a financial advisor in your 20s

• 17:30 – How advisors charge & why it’s worth it

• 22:00 – Hack #2: Roth IRAs, Backdoor Roths & why they matter

• 30:00 – The $7,000 → $700,000 example (compound growth explained simply)

• 36:00 – Hack #3: ESPPs (aka secret corporate raise)

• 43:00 – Hack #4: Borrowing from your 401k to buy a home

• 52:00 – The gender gap in financial literacy

• 57:00 – “Mom, I am a rich man.”

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