Insights Out with Dr. Jen | 披荆斩棘

💡 From your morning coffee to cross-border payments, money is going digital. But who will define it: governments with Central Bank Digital Currencies (CBDCs), or private innovators with stablecoins?

🌍 In this episode, Dr. Jen unpacks:

• What CBDCs are, with real-world examples (Bahamas, Nigeria, China).

• How stablecoins like USDT & USDC work—and where regulation steps in.

• Why the U.S. lags behind on CBDCs while stablec...

What happens when the traditional stock market meets blockchain?

In this episode, we break down the difference between an IPO (Initial Public Offering) and an STO (Security Token Offering) — and why it matters for the future of capital markets.

👉 You’ll learn:

• How IPOs work in today’s financial system

• What makes STOs different, and how blockchain changes the rules

• The potential benefits and risks of tokenized ...

We’re officially in the middle of Season 2, and if you’ve been curious about Web3 but didn’t know where to start—this one’s for you.

Dr. Jen break down the five most common “how do I even…?” Web3 questions in plain English, with analogies, laughter, and zero jargon. From buying your first crypto to keeping it safe, this episode is your practical starter guide to joining the Web3 revolution.

✨ 3 Key Takeaways:

• Step-by-step: ho...

What if real-world assets like real estate, bonds, or even art could live on the blockchain? That’s the promise of RWA (Real World Assets)—a trillion-dollar opportunity where traditional value meets Web3 innovation.

In this episode, Dr. Jen makes RWAs easy to understand with everyday analogies and real examples, showing how stablecoins were just the beginning. Discover how tokenizing assets could reshape ownership, investment, and ...

Stablecoins are where the traditional and crypto worlds meet—think of them as the digital twin of the dollar. Pegged to real-world currencies, they make it possible to move money instantly across borders, trade seamlessly in crypto markets, and bridge Web2 finance with Web3 innovation.

In this episode, Dr. Jen explains what stablecoins are, why they matter, and how they’re quietly becoming the backbone of the digital economy.

✨ 3 K...

Bitcoin and Ethereum are the giants of the crypto world—but they play very different roles. Think of Bitcoin as digital gold, a store of value. Ethereum? More like digital oil, powering applications, smart contracts, and the Web3 economy.

In this episode, Dr. Jen unpacks their differences with clear analogies, real-life comparisons, and insights on where each fits into the future of money and technology.

✨ 3 Key Takeaways:

• Wh...

Bitcoin, Ethereum, stable coins, utility tokens… it’s a jungle out there. Not all cryptocurrencies serve the same purpose—and not all hold the same value.

In this episode, Dr. Jen breaks down the main types of tokens, explains how they function, and shows you how to spot the difference using easy analogies and real-world examples.

✨ 3 Key Takeaways:

• The 3 main categories of cryptocurrencies and what they actually do.

• How to...

In Web2, banks and big institutions hold the keys to money movement. In Web3, the rules flip—welcome to DeFi (Decentralized Finance).

In this episode, Dr. Jen unpacks how DeFi works, why it challenges the old system, and what it could mean for the future of investing. With simple analogies and real-world examples, you’ll see how finance is being rebuilt on the blockchain—open, transparent, and global.

✨ 3 Key Takeaways:

• The c...

Season 2 kicks off with the big question: What exactly is Web3—and why does it matter for you as an investor or consumer?

In this episode, Dr. Jen breaks down the shift from Web2.0 to Web3.0 with easy analogies, real-life examples, and practical insights. We’ll explore how ownership, decentralization, and blockchain are rewriting the rules of the digital economy—and where the trillion-dollar opportunities might lie.

✨ 3 Key Takeawa...

📍第4集标题：白发不倦，二次创业 (1995- 2025)  

🔊 本集简介： 

这是《桀骜不驯的小三毛》声音传记的第4集，讲述母亲丁爱珍在50岁后勇敢开启人生新篇章的故事。 

1994年，49岁的她为我放弃新疆的安稳生活，提前退休，独自回到阔别30年的上海。加入浦东开发浪潮，在外企担任财务总监，拼搏十多年，只为让我能在上海有一个家。

她用一砖一瓦把家从奉贤西渡搬到凯旋新村，再到市区中山公园的碧云公寓，终于让我们在上海扎下了根。她也用财务专长帮助我和朋友们从英国留学归来后创业，撑起了最艰难的起步岁月。 

66岁那年，她正式退休，原以为能与父亲共享晚年时光，却在一夜之间突遭变故，父亲突发脑梗离世。此后，母亲独自走过十余年，虽有快乐老伙伴作伴，也游历世界各地，但孤独始终不时造访。 

2025年，母亲迎来80岁生日，她含泪挥别生养她的黄浦江畔，整理房屋、舍弃大半物品，最终踏上高铁，前往春城昆明，开始与大女儿共同生活的新旅程。 

这一集，我们特别邀请姐姐一起回顾...

📍第三集：算盘扬名，女中豪杰 （1983-1994)

📝节目简介： 

《桀骜不驯的小三毛》是一段母女之间的深度对话，也是一份记录一位时代女性一生的声音传记。她叫丁爱珍，出生成长于上海，支边新疆几十年，一手打拼出属于自己的天地。她是我妈妈，一个“桀骜不驯的小三毛”。 

第三集，我们走进改革开放的八十年代，见证她用一把算盘敲响命运的新节奏。 

她38岁参加珠算比赛，一路从石河子赛场打到全国舞台，赢得荣誉，也赢得事业新局。她为家庭拼尽全力，努力赚钱、改善生活——却也爱喝一口小酒、爱交朋友、在热闹与应酬中活得潇洒痛快。 

但这种“女中豪杰”的生活方式，在家人眼里并不好理解。她在外风风火火，在家却常常缺席；于是争执、沉默与隔阂，渐渐在我们之间生了根。 

这一集，是我们母女的一次敞开心扉的对话。经过半个世纪，我们终于和那段往事和解了。 

节目最后，送上丁爱珍为她的快乐老伙伴写词、我们用AI谱曲的原创歌曲——  🎵《《因为有爱》》  献给所有为爱坚持、为爱争执的你。...

📍第二集：团场青春，燃情岁月 (1964-1976) 

《桀骜不驯的小三毛》是我和妈妈丁爱珍的一次深度对话，也是一份属于她的声音传记。这一系列用四集来回顾她一生的关键时刻和人生经历。在这一集，我们走进她在农八师的青春岁月—— 

1964年到1976年，丁爱珍经历了文革动荡、下放团场、干农活、搞社教，也在这段混乱的历史中遇见一生的朋友和伴侣。 

她削甜菜、拾棉花、做司务长、打饭菜，也在众多追求者中选择了黄庆平——成为一名妻子、一位母亲。从“铁扫把小组”的正气少女，到日夜奔波只为给两个女儿更好生活的“顶梁柱”，妈妈的青春，是在农田尘土与新疆广袤天地中淬炼出来的刚强与温柔。 

本集结尾，我为她写了一首歌，叫《农八师的青春》，致敬那个火热的年代，也献给那些和热血的支边青年丁爱珍一样的叔叔阿姨们。 

🎧 本集关键词： 

文革团场｜支边岁月｜青春爱情｜母亲成长｜农八师生活｜声音纪实｜原创歌曲｜女性力量 

🎵 本集原创音乐： 

《农八师的青春》   词 / D...

📍第一集：弄堂起步，风吹西路 (1945-1963) 

《桀骜不驯的小三毛》是我和妈妈丁爱珍的一次深度对话，也是一份属于她的声音传记。 

妈妈自称“桀骜不驯的小三毛”，是一个从上海弄堂走进新疆大漠、凭一己之力闯出人生天地的时代女性，也是我心目中的“女中豪杰，人中之凤”。 

这一系列共四集，回顾她一生的关键时刻，既是母女间迟来的了解，也是一份爱的有声记忆。 

在这第一集，我们走进她的童年——  

丁爱珍年少丧母，与父亲相依为命；调皮聪明，却早早懂事；在米店帮忙、盖发票、学算盘，也在没人教导的青春期里默默摸索成长的方向。

18岁那年，她带着一腔热血，登上支边列车，从上海出发，驶向风沙滚滚的新疆——开始她漫长而传奇的西路人生。 

这一集，是我作为女儿对妈妈起点的追问与倾听。是一次试图理解“超人妈妈”在成为母亲之前的她。 

节目最后，我为她写了一首歌，叫《父亲的米店，妈妈的大脚》。写给那个倔强却孤单的少女丁爱珍，也送给每一个在记忆里回望的人。 

🎤 本集嘉宾：...

• What does it take to publish in the Journal of Finance?
• And how do you stay motivated through a decade of research on a single topic?

In this episode, we go behind the scenes with Dr. Tim to explore the long and winding road from PhD student to published author in one of the world’s top journals. You’ll hear the story of how one idea—sparked years ago—evolved into a major academic paper that took nearly 10 years to compl...

• Did you know that mortgage-backed securities (MBS) were invented by Dutch bankers over 200 years ago?
• And that their collapse triggered a financial crisis strikingly similar to the one we witnessed in 2008?

In this episode, Dr. Jen kicks off a special two-part series with her colleague Dr. Tim, whose groundbreaking research on 18th-century Dutch banking was recently published in the Journal of Finance—the world’s top aca...

In Part 2 of our Easter special, we continue the inspiring journey of Anne Bellavance—a woman who has quietly transformed lives through her philosophy of “living for the sake of others.” In this episode, we focus on how Anne lives that philosophy through community building—locally and globally. As President of Women’s Federation for World Peace (WFWP) Australia, Anne has spent decades mentoring women, empowering families, and stren...

What if true happiness isn’t found in chasing success—but in serving others?

In this special Easter episode, I sit down with Anne Bellavance—a high school teacher, mother of four, and President of the Women’s Federation for World Peace (WFWP) Australia.

As someone raised with Confucian teachings, I’ve always believed that life unfolds in meaningful stages—from learning at 15 to living in harmony with one’s heart at 70. In Anne, I s...

Thinking about a career in financial advising? Wondering what it takes to get licensed and thrive in the industry? In this episode, I sit down with my former mentee, Camille Cruz, who shares her journey—passing the licensing exam, switching jobs, and officially becoming a Registered Financial Advisor in Australia in 2025!

Key Takeaways:

✅ The 4E Requirements – What you need to become a financial advisor in Australia. ✅ Licensing Ex...