Ricardo graduated from Yale University in 2007 with a BA in Economics. While at Yale he also studied Mandarin Chinese and received fellowships to study in Beijing, China, including a yearlong scholarship to Beijing University during the 2007-2008 academic year. 

Following his return to the United States, Ricardo commissioned as a Second Lieutenant in the United States Marine Corps and served as an Infantry Officer stationed in Camp Lejeune, NC. He deployed to Afghanistan twice, once as a Platoon Commander and again as an Advisor to the Afghan National Army. After leaving the Marine Corps Ricardo traded equity derivatives with Goldman Sachs.