My personal preference for understanding linear recurrence relations (and understanding where/why sqrt(5) shows up for the Fibonacci sequence) is via eigenvalues and eigenvectors of a corresponding linear transformation. For example:
[F_n ] = [1 1] [F_n-1]
[F_n-1] [1 0] [F_n-2]
and therefore [F_n ] = [1 1]^n-2 [F_2] = [1 1]^n-2 [1]
[F_n-1] [1 0] [F_1] [1 0] [1]
and therefore the nth Fibonacci number can be computed by computing the (n-2)th power of the matrix [[1, 1], [1, 0]], and then multiplying that matrix by the column vector [1, 1] (or any other desired first terms of the sequence). The matrix power can be computed by diagonalizing, and that's where the powers of the golden ratio will come up (as eigenvalues of that matrix).This is completely equivalent to the method in TFA, but to my mind is better motivated.