Find me on Substack, search for Bogumil Baranowski.

Marion Fogli, a Swiss digital banking pioneer who co-founded Switzerland’s first digital private bank, now teaches what she calls Finance Made Human, translating money into a language that real people can actually understand, use, and feel at peace with.

3:02 – Growing up “rich in love, not money” — Marion’s father’s story shapes her definition of wealth.

5:29 – Building Switzerland’s first digital private bank taught her: “The math is visible, but the behavior is where everything actually happens.”

8:07 – The human touch problem: digital banks see anxiety in login patterns hours before a client ever picks up the phone.

13:03 – On AI and investing: technology can hand you 30 stock picks, but not the conviction to hold them.

15:18 – Money scripts, explained: childhood beliefs about money live in the body, not the words — “a shallow breath, tight shoulders, a nervous laugh.”

17:21 – Three questions to surface your own money script: your body’s reaction, the sentence you heard most as a child, and the gap between what you say and what you do about money.

20:38 – The surgeon who earned over half a million and had no idea where it went: “You have income, and you have financial peace, and they’re not the same currency.”

23:07 – The cash experiment: Marion paid her kids in physical cash for a month instead of transfers — they ended up saving more.

27:48 – Why money is the last taboo: “It actually reveals your vulnerability.” It exposes worth, achievement, and security all at once.

32:06 – Unequal help given quietly to one child can destroy a family once it surfaces after a parent’s death.

36:16 – The three-bucket system: Oops Fund, Projects Fund, Freedom Fund — “I called it the Oops Fund.”

39:41 – “It’s about giving each Franc a job so the person can finally rest.”

45:41 – Financial education starts with one question: what do you want your money to do, short, medium, and long term?

52:48 – Marion’s definition of success: “It’s not what you accumulate. It’s what you can give without losing yourself.”

Podcast Program – Disclosure Statement

Blue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm’s employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice.

Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed.

Marion Fogli, Finance Made Human: Money a Triple Taboo, Three Money Questions, and Talking Early About Inheritance

Talking Billions with Bogumil Baranowski

Marion Fogli, Finance Made Human: Money a Triple Taboo, Three Money Questions, and Talking Early About Inheritance