If you've ever looked at your grocery receipt or gas bill and wondered how corporations keep posting record-breaking profits while your pocketbook is hurting, you're not alone. In this episode, Violeta breaks down why the Federal Reserve raised interest rates to 3.75%-4% in September, what the Fed's "dual mandate" actually means, and why lowering inflation doesn't mean prices are coming down—it just means they're increasing more slowly. 

But beyond the economics lesson, Violeta goes on a candid rant about corporate greed, "greedflation," and how big businesses took advantage of the pandemic, tariffs, and supply chain disruptions to push prices higher than necessary—all while posting record profits and cutting product quality. She also shares her thoughts on misplaced anger toward creators using AI to help their communities, why we should be directing our frustration at lack of corporate regulation instead, and why building financial literacy and collective economic power matters more than individual actions like skipping a plastic straw.

We cover:

• Why the Fed raised interest rates and what the dual mandate really means
• Why lowering inflation doesn't mean lower prices—just a slower rate of increase
• How the federal funds rate trickles down to mortgages, car loans, and business loans
• What "greedflation" is and the FTC investigation that found corporations distorted pandemic-era price increases
• How tariffs got passed down to consumers and small businesses without refunds
• Why corporations cut product quality while raising prices
• How corporate lobbying and lack of regulation—not individual choices—are the real problem
• Why using AI tools to grow a business isn't the enemy, but ethics and guidelines are needed
• Why financial literacy and collective financial power matter more than performative activism

This episode is a reminder that understanding how the economy actually works—and who benefits from it—is one of the first steps toward protecting your money and your future.

Mentioned in this episode:

• Full breakdown and references on the blog 
• Ashley with an I (TikTok) 
• The Financial Diet episode on product quality 
• Janice from Yo Quiero Dinero's AI agents & Crowdfunding Campaign 
• "Invest Like a Mother" episode with Tina Berger
• Free Latinas in Real Estate Community

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've ever started a side hustle and thought "I'll figure out the taxes later," this episode is the reality check you need before tax season catches up with you.

In this episode, Violeta and Lindsay sit down with Laura Zarrate, a CPA and founder of Athena CPAs and Advisors, where she helps six to seven-figure business owners nationwide keep more of the money they earn and has saved her clients more than $10 million in taxes, to break down exactly what you need to know about business taxes before Uncle Sam comes knocking. Laura opens up about the most common question she gets from new entrepreneurs: do I need to start an entity, and if so, which one? She walks through why most people start with an LLC, why it's actually about liability protection more than tax savings, and the moment a side hustle should start being treated like a real business.

Laura shares the practical first steps nobody tells you about: opening a separate business bank account, understanding what counts as an "owner's contribution" versus taxable income, and why mixing personal and business expenses is one of the biggest mistakes she sees. From there, she gets into the topic everyone's talking about on social media but rarely explaining correctly, the S corp election. Laura breaks down what an S corp actually is (a tax election, not a separate entity), why it can save you real money on self-employment tax, and why switching too soon, before you're earning enough to justify the extra cost, can actually hurt you instead of helping you.

Throughout the conversation, Laura, Violeta, and Lindsay get into retirement account options for the self-employed (SEP IRA vs. solo 401(k)), the reasonable compensation requirement that trips up so many new S corp owners, and the deductions people leave on the table simply because they didn't know to track them, like the home office deduction and vehicle expenses. They also swap real stories about the systems that make tax season easier, and the wildest client write-off attempts Laura has seen.

We cover:

• Why most new business owners should start with an LLC, and what it actually protects you from
• The difference between an owner's contribution and taxable income
• When a side hustle should officially become a business (and why "recurring income" matters more than a dollar amount)
• Why mixing personal and business finances is the #1 mistake new entrepreneurs make
• What an S corp actually is: a tax election, not a new entity
• The real reason people switch to S corp: saving on the 15.3% self-employment tax
• Why switching to S corp too early, especially with losses or income under 50K, can cost you more than it saves
• The "reasonable compensation" requirement and why you have to pay yourself a real W-2 salary as an S corp owner
• SEP IRA vs. solo 401(k): which retirement account to start with and when to upgrade
• Why you can deduct disability and health insurance as a business owner
• The home office deduction most people don't know about, including how home repairs like a new roof or flooring can be partially deductible
• Fully deductible home office purchases: desks, paint, curtains, blinds, and more
• Why you likely can't buy a car directly under a brand-new business, and what to do instead
• How to properly deduct a vehicle used for both business and personal use (and why a mileage log matters)
• Bonus depreciation and how buying a vehicle in 2026 could mean deducting 100% of the purchase price
• Why having a bookkeeping system (QuickBooks, Xero, or even a spreadsheet) is non-negotiable

This episode is a reminder that taxes don't have to be something you dread or avoid until April. With the right systems and the right professional in your corner, you can actually use the tax code to your advantage, keep more of what you earn, and build real, lasting financial habits into your business from day one.

Mentioned in this episode:

Athena CPAs and Advisors: athenacpas.com

Follow Laura Zarrate and Athena CPAs on Instagram: @athenacpas

This episode is part of a two-part series. Check out the companion episode on Real Estate Chisme for real estate-specific tax benefits.

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Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've ever felt like building wealth as a first-gen Latina means you have to figure it all out completely on your own, this episode will change how you think about your family's role in that journey.

In this episode, Violeta sits down with Diana Lopez Luna, a first-generation college graduate and queer daughter of Mexican immigrants who pivoted from a low-paying research role into a data career, increasing her income nearly fivefold in five years. Diana is also the founder of Mujeres Datistas (Latinas in Data and Analytics) and co-founder of Xuchil alongside her mother, Yolanda. Diana opens up about the common immigrant narrative of "my parents sacrificed everything so I could succeed," and why that story can quietly turn into first-gen kids believing they now have to carry their parents' entire financial future on their shoulders, alone.

Diana shares the mindset shift that changed everything for her family: instead of seeing wealth building as a handoff, where the parents did their part and now the child has to do the rest, she started treating her parents as co-collaborators, not dependents. She talks candidly about assuming her parents weren't planning for retirement, only to realize they'd quietly been taking steps the whole time, her mom setting up an IRA for her self-employed daycare business, her dad maximizing his HSA, both looking into a SEP IRA together as a family. Diana and Violeta both get real about the "parenting the parent" trap so many first-gen kids fall into, especially those who grew up translating for their parents, and how that responsibility can turn into overcorrecting and taking over instead of collaborating.

Throughout the conversation, Diana and Violeta get into how the wealthy already do this, family offices, shared properties, businesses passed hand to hand, and why the collectivist instincts so many of us are taught to see as a weakness are actually an asset when it comes to building generational wealth. They talk about the real vulnerability of receiving help from family without shame, the importance of setting financial boundaries so support doesn't threaten your own security, and how multi-generational housing, family compounds, and shared rental businesses can dramatically cut costs and free up money for real investing.

We cover:

• Why the immigrant "sacrifice" narrative can accidentally put the entire financial burden on the first-gen child
• How family offices work for the wealthy, and why collectivist culture already sets us up to build wealth the same way
• The difference between "parenting the parent" and becoming a true financial co-collaborator with your parents
• Why first-gen kids, especially former childhood translators, tend to assume their parents can't handle their own finances
• How Diana's parents quietly built their own retirement plan (IRA, HSA, SEP IRA) without her even realizing it
• Why communication, not control, is what actually moves a family's finances forward
• Setting financial boundaries so helping family doesn't threaten your own financial security
• Why receiving help from family comes with unearned shame in our culture, when the wealthy do it constantly
• Diana's real experience being on disability for two years and how her parents' rental property business kept her afloat
• The internal shame of receiving family help, and why it took thertherapy to unlearn it
• How multi-generational housing and family compounds can eliminate one of your biggest expenses: housing
• Violeta's own family compound story, buying land next to her parents and inviting her sister and future generations to build there too
• How a family can combine incomes to buy property together, the way Diana and her parents are doing near Rockford, Illinois
• Why this approach only works with healthy, trustworthy family relationships, and isn't a fit for everyone
• Small ways to build a family wealth ecosystem: renting to family instead of strangers, hiring family for paid work, sharing tax benefits

This episode is a reminder that wealth building doesn't have to be a solo mission. It can start small, sharing housing costs, having honest money conversations, learning to trust that your parents are capable too, and grow into something much bigger when a family moves together instead of everyone fighting their own battle alone.

Get in Touch with Diana:

Follow Diana Lopez Luna: @dianadeloslopez

Suchil: "SuchilCo": @suchilco

Mujeres Datistas: https://www.linkedin.com/company/mujeres-datistas/

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've ever been told to "just put it in an index fund and forget it," this episode will make you rethink that advice completely.

In this episode, Violeta sits down with Tina Berger, author of Invest Like a Mother and a former investment advisor and innovation strategist with more than 20 years of experience, to unpack a question most of us never ask: what are we actually funding when we invest? Tina opens up about starting her career with big financial goals and a 401(k) like everyone else, only to spend two decades inside massive corporations watching good social and environmental programs get quietly canceled the moment they underperformed against shareholder expectations. What she saw from the inside changed how she thinks about "good returns" forever.

Tina shares the uncomfortable truth behind headlines like Oracle paying out $4.2 billion in dividends while taking on billions in debt to fund data centers, and Walmart employees relying on food stamps while the company books record profits. She calls this what it is: small investors funding wealth for the already-wealthy while quietly subsidizing the very companies that underpay them. From there, she gets into what she calls "investing like a mother," a mindset that isn't about being perfect or divesting from everything, but about staying intentional, understanding your impact, and asking what your community and future generations need, not just what your portfolio needs.

Throughout the conversation, Tina and Violeta get into the tension so many of us feel once we become financially literate: wanting security for ourselves while realizing that security means nothing if the world around us isn't secure too. They talk about self-directed IRAs, community investment funds, becoming an angel investor, and simple, human ways to invest directly in people, like seller financing a first-time homebuyer, without needing a finance degree to do it.

We cover:

• Why "set it and forget it" investing hides where your money is really going
• How companies like Oracle are turning shareholder profits into cash grabs for the already wealthy
• Why big companies get punished by Wall Street for investing in employees, sustainability, or communities
• The difference between a growth company and a dividend company, and how that's changed over time
• Why we're subsidizing the true cost of low wages, data centers, and corporate tax breaks as taxpayers
• What "investing like a mother" actually means, and why it isn't about being perfect or gendered
• How to evaluate an investment beyond just "what's my return"
• Self-directed IRAs and how to use old 401(k) funds for real estate or other investments
• The Magnolia Fund story: how a Houston community pooled resources to buy back their own commercial kitchen
• Becoming an angel investor and directly funding people and businesses you believe in
• How seller financing can help someone become a first-time homeowner, without needing a bank
• Why ethical real estate investing means fixing hazards like lead and asbestos instead of ignoring them
• How awareness changes your risk tolerance, even if you don't overhaul your whole portfolio
• Why financial security for yourself means little if the world around you isn't secure too

This episode is a reminder that investing isn't just a personal finance decision, it's a relationship. Every dollar you invest creates an impact somewhere, and once you see that clearly, you can't unsee it. Tina's invitation isn't to sell everything and start over, it's to stay intentional, plant seeds where you can, and start asking better questions about what your money is really doing in the world.

Mentioned in this episode:

Invest Like a Mother by Tina Berger 

Follow Tina Berger on TikTok 

Magnolia Fund, Houston, TX 

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've ever believed that once you land the "good job" and start saving, financial freedom will naturally follow, this episode is the reality check you need.

In this episode, Lindsay and Violeta sit down with Ingrid Morales, a first-gen Latina from Colombia who built financial freedom from scratch, to talk honestly about what that journey actually costs. Ingrid opens up about growing up watching her mom live paycheck to paycheck, discovering that the personal finance books everyone recommends (like Rich Dad Poor Dad) assume you already have money to invest, and realizing that for first-gen Latinos, the path to wealth almost always starts with your own sacrifice, not inherited capital or connections.

Ingrid shares the exact moment everything shifted for her: a COVID-era conversation with her mom that revealed her mom didn't have enough saved in her 401(k) to retire on. That realization sent her into what she calls her "Mulan moment," the sudden, heavy understanding that she was the only one her parents could call for help, and that she had to lock in immediately. From there, she talks candidly about wearing the same worn-out sneakers for years while quietly building an emergency fund for her parents, saying no to family trips and holidays to protect her savings, and having to explain to her own mother why she wasn't spending money the way she "should" be.

Throughout the conversation, Ingrid, Lindsay, and Violeta get into the tension every first-gen Latina knows well: wanting to help your family right now versus building real, lasting stability so you can help them even more later. They talk about setting boundaries without guilt, bringing parents into the financial conversation with empathy instead of judgment, and why slow, steady growth beats chasing everything at once.

We cover:

• Why personal finance books often assume a starting point most first-gen Latinos don't have
• The "Mulan moment" of realizing you're the only safety net your parents have
• Why stability has to come before investing, and how to know when you're actually ready to take risks
• The difference between building stability for yourself versus carrying your entire family's stability
• How to set financial boundaries with family without it feeling like abandonment
• Why saying no to trips, gifts, and spending in the short term can mean more support for your family long term
• How to have the "money talk" with parents who see finances as taboo
• Why sitting down with your parents to actually handle their accounts (Fidelity calls, mortgage paperwork) is its own form of sacrifice
• The mindset shift from "working hard" to "working smart" and creatively growing something of your own
• Why patience and slow growth, not urgency, is what most successful investors actually recommend
• How to reframe helping family as playing the long game instead of constant, immediate giving
• Ingrid's mantra: "Less YOLO, más portafolio"

This episode is a reminder that building wealth as a first-gen Latina rarely looks like the highlight reel. It looks like quiet sacrifice, hard conversations with parents, and boundaries that feel uncomfortable in the moment but protect your family's future. Financial freedom isn't just about the numbers, it's about being able to show up for the people who raised you, on your own terms and your own timeline.

Mentioned in this episode:

Links Mentioned:

Free Latinas in Real Estate Community

Learn more about Hustle With Ingrid (waitlist open now)

Follow: Ingrid Morales_ on all platforms

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Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

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Finance Books to Start Your Journey

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

I am breaking down the real cost of a last minute family vacation to Mérida, Mexico, including flights, an Airbnb, excursions, food, souvenirs, airport transportation, and pet sitting. I also share the financial tradeoffs of celebrating a milestone birthday while juggling rental property expenses and other debt.
If you are planning a Mexico trip and want a realistic look at what can get expensive fast, especially when plans change and you book close to departure.

Key topics
I share a  rough, honest vacation budget after overspending on my 40th birthday trip.
The biggest expenses were flights, the Airbnb, and an unexpected extra night after a flight delay.
I also cover how much an excursion cost that included Chichen Itza, a cenote, a meal with a Mayan family, and a stop in Izamal, plus extra entrance costs and food.
Transportation lesson from the trip: taxis from the airport were far more expensive than Ubers, and airport pickup rules can be confusing.

00:00 — Overspending on vacation
01:57 — Turning 40 and choosing Mérida
03:20 — Family trip and extra day cost
04:35 — Flight costs and last-minute booking
06:02 — Hotel cancellation and Airbnb switch
07:28 — Airbnb review and heat in Mexico
08:52 — Chichen Itza excursion breakdown
10:26 — Uber vs airport taxi lesson
12:17 — Entrance fees and extra excursion costs
13:55 — Food and rooftop restaurant spending
15:23 — Souvenirs and artisan market finds
18:17 — Why handmade goods cost more
21:40 — Total trip cost estimate
22:55 — Thinking about buying property in Mexico
24:22 — Flight issue from passport name mismatch
26:32 — Missing the flight and extra hotel night
27:50 — Pet sitting and hidden vacation costs
28:47 — Final budgeting lessons

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Quit the 9-to-5 and build your dream career. Lynn shares her real story of leaving nursing to launch a telehealth practice in California.
If you've ever dreamed of ditching stability for freedom and entrepreneurship but felt overwhelmed by legal, financial, and marketing challenges, this episode is your wake-up call.

Lynn reveals the behind-the-scenes of her journey, from navigating California’s strict licensing laws and forming the right business structure to overcoming imposter syndrome and marketing herself confidently.
You’ll discover:
How to plan financially for a career shift, including setting up safety nets like savings, income buffers, and strategic investments

Mindset shifts that help you embrace risk and overcome fears
The importance of community, networking, and creating your own opportunities in the digital age
This episode is perfect for career changers, Latina entrepreneurs, and anyone feeling stuck in a stability trap—ready to take control, plan smart, and unleash their true potential.

Lindsay Barrientos is a nurse practitioner turned business owner, balancing her new practice and real estate portfolio, with a clear focus on helping others create financial and personal freedom. Her story proves that with strategic planning, legal knowledge, and mindset resilience, you can build a thriving, sustainable business from scratch.
Whether you're contemplating your own career pivot or seeking insights into health entrepreneurship, this episode provides actionable advice to turn your dreams into reality.

Sign up for telehealth (California Only!)

https://www.guidancepsychiatryservices.com

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Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've ever felt like reaching financial freedom would automatically bring peace, only to realize you're still battling comparison, hustle culture, and the pressure to always be doing more, you're not alone.

In this deeply personal birthday episode, Violeta reflects on turning 40 and the lessons she's carrying into the next decade of her life. While celebrating a milestone in Mérida, Mexico with her family, she shares how achieving financial freedom hasn't eliminated old habits—it has simply revealed new opportunities to redefine what success truly means.

Drawing from her experiences as a real estate investor, entrepreneur, and creator of Money Chisme, Violeta opens up about leaving behind the constant pressure of social media, letting go of unrealistic timelines, and embracing a slower, more intentional way of living. She explains why building wealth isn't just about reaching financial milestones, but about creating a life that aligns with your values, gives you freedom, and allows you to be fully present for the people who matter most.

Throughout the episode, she encourages listeners to stop measuring success against someone else's journey. Whether your goals take longer than expected, your business grows more slowly, or your priorities shift over time, your path is still valid. Violeta also shares her vision for the future—from investing in Mexico and supporting Latina entrepreneurs to giving back through affordable housing and community impact.

We cover:

• Why financial freedom doesn't automatically free you from hustle culture
• How social media can quietly steal the freedom you've worked so hard to build
• Why slowing down is one of the greatest forms of success
• The importance of defining success on your own terms instead of following someone else's timeline
• How infertility, surrogacy, and life circumstances changed Violeta's investing journey
• Why being work-optional is a bigger win than chasing arbitrary millionaire milestones
• How she's reimagining Money Chisme to prioritize impact over endless growth
• Why intentional business building creates more freedom than constant scaling
• The mindset shifts she's leaving behind as she enters her 40s
• Her plans to become an angel investor supporting Latina entrepreneurs
• Why affordable housing and ethical real estate investing have become central to her mission
• Her vision for investing in both the United States and Mexico while creating a life rooted in flexibility, family, and purpose
• How reflecting on your own definition of success can help you build a richer life—not just a bigger bank account

This episode is a reminder that wealth isn't measured only by your net worth—it's measured by the life you're able to create. Financial freedom isn't the finish line; it's the opportunity to live more intentionally, pursue what truly matters, and build a legacy that extends far beyond money. Your timeline doesn't have to look like anyone else's to be successful.

Mentioned in this episode:

• Free Latinas in Real Estate Community
• Real Estate Chisme Podcast
• Sign up for the Money Chisme Newsletter
• Cash Libre by Lucy (pre-order)

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've ever felt jealous watching someone else hit a financial milestone while you're still working toward your own goals, you're not alone.

In this solo episode, Violeta opens up about something we don't talk about enough in personal finance: envidia (jealousy). She shares why feelings of envy don't make you a bad person—they're often a signal pointing toward a dream, desire, or goal you've been afraid to pursue or haven't given yourself permission to believe is possible.

Drawing from her own experiences as an entrepreneur, content creator, and real estate investor, Violeta explains how she has learned to recognize jealousy without shame, uncover what it's trying to teach her, and transform comparison into action. From seeing creators go viral to navigating feelings around business growth and financial success, she shares practical mindset shifts that have helped her stay focused on her own journey instead of someone else's timeline.

Throughout the episode, she encourages listeners to stop treating jealousy as something to suppress and instead use it as valuable information. By identifying the root of those emotions, challenging scarcity thinking, and taking small, intentional steps toward their own goals, listeners can turn comparison into motivation and continue building wealth with confidence.

We cover:

• Why jealousy is a normal human emotion—not a character flaw
• How envy can reveal the financial goals and dreams you've been avoiding
• Why comparing yourself to others often stems from scarcity mindset
• How childhood comparisons and cultural expectations can shape your relationship with success
• The difference between admiring someone's success and feeling defeated by it
• How Violeta processes feelings of envy in her own business and investing journey
• Why someone else's success doesn't take away your opportunities
• How to use comparison as a learning tool instead of a source of discouragement
• The importance of curating your social media feed to protect your mindset
• Why taking one small action is more powerful than endlessly comparing timelines
• How writing down your financial goals can keep you grounded in your own definition of success
• Violeta's "Envidia Reset" framework for turning jealousy into personal growth and financial action

This episode is a reminder that jealousy isn't the enemy—staying stuck is. When you learn to acknowledge envy instead of hiding from it, you can uncover what's truly important to you, let go of comparison, and refocus your energy on building the life and financial future you want. Someone else's success isn't proof that you're behind—it's proof that your goals are possible too.

Mentioned in this episode:

• Real Estate Chisme Podcast 
• Sign up for Money Chisme Newsletter

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

A beautiful website is great—but if it doesn't clearly communicate who you help and guide visitors to take action, it's probably costing you clients.

In this episode of Money Chisme, Violeta sits down with branding and website designer Gabriela Teran to discuss what every entrepreneur should know before creating or updating a website. From identifying your ideal client to improving your SEO, Gabriela shares practical strategies that help websites do more than just look good—they become powerful business tools.

Drawing from over 10 years of experience helping women of color build brands and websites, Gabriela explains why clarity always beats complexity, how to create trust with potential clients, and the small website changes that can lead to more traffic and better conversions.

Whether you're building your first website or refreshing an existing one, this conversation is packed with actionable tips you can implement right away.

In This Episode, We Discuss:

• Why defining your ideal client is the foundation of an effective website
• How your website copy should speak directly to your target audience
• The essential pages every business website should include
• Why your About page is one of your most important marketing tools
• How to build trust using testimonials, results, and social proof
• The importance of keeping website copy short, clear, and easy to scan
• Why displaying your pricing can improve conversions
• How your brand and website should evolve as your business grows
• Common website mistakes that confuse visitors
• Simple ways to increase website traffic without paying for ads
• Why blogging is still one of the best long-term SEO strategies
• Easy SEO practices every business owner should know
• Why you should replace Linktree with your own website links page
• The importance of connecting your Google Business Profile to your website

Need to create a brand and website you can feel proud of and convert your visitors into clients? Get in contact with Gaby.

Gabriela@teranmediadesign.com

Web: teranmediadesign.com

Tiktok @teranmediadesign

IG: @teranmediadesign

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've been working hard on your financial goals but still feel like you're doing it alone, it may be time to take a closer look at the people you're surrounding yourself with.

In this solo episode, Violeta explores how your relationships, friendships, and community can have a powerful impact on your financial journey. She explains why building intentional friendships with people who share your goals, values, and mindset can help you grow faster, stay motivated, and make decisions with greater confidence.

Drawing from her own experiences—from hearing well-meaning but fear-driven advice from family members to intentionally seeking out like-minded Latinas and entrepreneurs—Violeta shares how expanding her circle expanded her vision. She discusses the difference between networking and building genuine relationships, why not every friend has to fill the same role, and how finding the right community can be the catalyst for your next financial breakthrough.

Throughout the episode, she encourages listeners to audit their current circle, seek out communities that align with their goals, and remember that sometimes the biggest shift in your finances comes from changing your environment—not just your budget.

We cover:

• Why your financial growth is influenced by the people you spend the most time with
• How friends and family can unintentionally keep you in survival mode
• The difference between networking and building meaningful friendships
• Why expanding your circle can expand your financial mindset
• How financial anxiety from loved ones can impact your decision-making
• Why it's okay to have different friend groups for different seasons and goals
• How finding like-minded people helped Violeta grow as an investor, entrepreneur, and content creator
• The importance of seeking communities that encourage growth instead of fear
• How intentional friendships can provide accountability, motivation, and valuable resources
• Why your next financial breakthrough may come from being in a different room, not creating a better budget
• Questions to ask yourself when auditing your current circle and support system
• How to start building relationships with people who align with the future you're creating

This episode is a reminder that you don't have to build wealth alone. The right community won't just cheer you on—they'll challenge you, inspire you, and help you see opportunities you may never have discovered on your own. Sometimes the fastest way to level up your finances is to surround yourself with people who already believe in the life you're trying to build.

Mentioned in this episode:

• Free Latinas in Real Estate Community
• Real Estate Chisme Podcast
• Branding episode featuring Gabby

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've been wondering why your financial goals always seem just out of reach, it might be time to identify the financial tóxico that's quietly holding you back.

In this solo episode, Violeta introduces the concept of the "financial tóxico"—the habits, debts, subscriptions, mindsets, or even careers that drain your money, energy, and progress without you fully realizing it. Through personal stories and practical examples, she explains how identifying these hidden obstacles can help you make financial decisions that align with your goals instead of keeping you stuck.

Drawing from her own experience of leaving the military, selling underperforming rental properties, letting go of unnecessary expenses, and redefining what wealth truly means, Violeta shares how removing financial tóxicos allowed her to build a life centered around freedom, purpose, and intentional living. She also discusses why the "best" financial strategy isn't always the one you'll stick with—and why your personal journey matters more than following someone else's formula.

Throughout the episode, she encourages listeners to perform a financial audit, recognize emotional money drains, celebrate small wins, and define success on their own terms instead of chasing society's version of wealth.

We cover:
• What a financial tóxico is and how to identify the hidden money drains in your life
• Why avoiding your finances can become one of your biggest financial obstacles
• How conducting a financial audit can uncover subscriptions and expenses you forgot about
• Why emotional stress—not just interest rates—should influence how you tackle debt
• The importance of building momentum through small financial wins
• Why keeping an investment that no longer serves your goals can become a financial tóxico
• How Violeta decided to sell rental properties that were costing her money instead of building wealth
• Why leaving a high-paying job was the right financial decision for her long-term goals
• How to create an exit strategy if your career is negatively impacting your well-being
• Why redefining wealth can transform your relationship with money
• How consumerism and social media can create unrealistic expectations about financial success
• Why owning your time can be a greater measure of wealth than owning luxury items
• The importance of making financial decisions based on your values instead of other people's opinions
• Why there is no one-size-fits-all financial strategy—only the one that helps you stay consistent

This episode is a reminder that financial freedom isn't just about earning more money—it's about removing the things that keep you from reaching your goals. Whether it's debt, an expensive lifestyle, a limiting mindset, or a career that no longer serves you, letting go of your financial tóxicos can create space for the life and future you truly want to build.

Mentioned in this episode:
• Episode with Justin from The Price of Avocado Toast on paying off debt
• Financial Audit episode walkthrough

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you've ever felt overwhelmed by your finances and wondered where to even begin, this episode will help you build a strong foundation for long-term financial success.

In this solo episode, Violeta breaks down five essential money skills that every beginner should develop in order to gain control of their finances, reduce financial stress, and start building wealth. Whether you're earning a stable income but still feel like your money disappears every month, or you're ready to take the first steps toward financial freedom, this episode provides a practical roadmap to get started.

Drawing from her own journey as a first-generation Latina investor, Violeta shares the foundational habits that helped her go from financial confusion to confidently managing money, investing, and building wealth through real estate. She explains why financial success isn't about being perfect with money—it's about developing the right skills and consistently taking action.

Throughout the episode, she discusses how to build awareness around your spending, create a realistic spending plan, establish an emergency fund, understand debt and credit, and make financial decisions based on your goals rather than guilt or fear.

We cover:

• Why money management is one of the most important wealth-building skills you can develop
• How tracking your spending creates awareness and helps you take control of your finances
• The benefits of using budgeting and expense-tracking apps
• Why a spending plan feels more empowering than a traditional budget
• How to give every dollar a purpose and align spending with your goals
• The key steps to creating a realistic spending plan that works for your lifestyle
• Why emergency funds provide financial stability and peace of mind
• How much you may want to save for unexpected expenses and emergencies
• Understanding debt and credit without fear or shame
• The basics of how credit scores and credit cards work
• How strategic use of debt can support wealth-building goals
• Why learning the rules of money helps you make more confident financial decisions
• The importance of making money decisions based on goals instead of guilt
• How financial confidence grows through education, practice, and consistency
• Why building wealth starts with mastering the fundamentals

This episode is a reminder that you don't need to have everything figured out to improve your finances. Building wealth starts with learning the basics, creating simple habits, and developing the confidence to manage your money intentionally. The sooner you begin building these foundational skills, the stronger your financial future can become.

Mentioned in this episode:

• Monarch Money Budgeting App
• NerdWallet Budgeting Tools
• Annual Credit Report (free yearly credit reports)
• Episode with Justin from Price of Avocado Toast on paying off debt
• Previous episode on financial anxiety and financial trauma
• Episodes on budgeting, spending plans, and money mindset

      - How to Manage Your Money: 3 Budgeting Methods That Actually Work

      - Financial Reset for 2026: Audit Your Money, Set Smarter Goals

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever wondered whether that uneasy feeling about a financial decision is a warning sign or simply fear holding you back, this episode will help you understand the difference.

In this solo episode, Violeta shares a powerful clip from her Real Estate Chisme podcast featuring Heather Enciso, a real estate investor and licensed clinical social worker who specializes in helping women navigate financial anxiety and wealth-building. Together, they explore how fear, financial trauma, and scarcity mindsets can impact the decisions we make around investing, entrepreneurship, and building long-term wealth.

Violeta reflects on her own journey as a first-generation Latina investor and discusses how childhood experiences, financial insecurity, and money-related anxiety can make it difficult to take action—even when we know what we want to achieve. She explains how learning to distinguish fear from intuition has helped her make better financial decisions and avoid both paralysis and impulsive choices.

Throughout the episode, she shares practical strategies for recognizing financial anxiety, understanding your personal risk tolerance, and building the confidence needed to move forward with wealth-building goals. She also discusses the role of therapy, community, education, and exposure in overcoming financial trauma and developing a healthier relationship with money.

We cover:

• How to tell the difference between fear and intuition when making financial decisions
• Why financial anxiety and trauma often show up for first-generation Latinas
• The connection between scarcity mindset and wealth-building challenges
• Common fear responses that keep people from investing or taking action
• How anxiety can lead to financial avoidance and analysis paralysis
• Why intuition often feels grounded while fear feels urgent and catastrophic
• The importance of addressing financial trauma before it holds you back
• How therapy and self-awareness can improve financial decision-making
• Understanding your personal risk tolerance and financial comfort zone
• The role of community, mentorship, and support in building confidence
• Practical ways to move from research mode into action
• The framework of education, exposure, and execution for overcoming financial fears

This episode is a reminder that building wealth is not just about learning financial strategies—it’s also about understanding yourself. When you learn to recognize the difference between fear and intuition, you can make more confident decisions and take meaningful steps toward your financial goals.

Mentioned in this episode:

• Free Latinas in Real Estate Community

• Overcoming Financial Trauma by Rakim Sabree

• Episode featuring Rakim Sabree discussing financial trauma and mindset

• Full episode with Heather Enciso on Real Estate Chisme Podcast

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever felt stuck in “research mode” when it comes to investing, building wealth, or making big financial decisions, this episode is the reminder you need that you do not have to feel fully ready before you start.

In this solo episode, Violeta breaks down how analysis paralysis and financial anxiety can keep first-generation Latinas from taking action — even when they’ve done all the research. She opens up about growing up around financial scarcity, the pressure of being the “responsible one,” and how fear of making mistakes can quietly delay wealth-building opportunities.

Violeta shares the mindset shifts that helped her stop overthinking and start investing in both the stock market and real estate. She explains why imperfect action is not irresponsible, how to reduce risk without waiting for perfection, and the exact framework she uses to move forward even when she feels nervous or uncertain.

She also walks through practical examples of how to get started with investing, real estate, and saving money without falling into endless researching, comparing, and 

overcomplicating every decision.

We cover:
• Why first-generation Latinas often struggle with financial anxiety and perfectionism
• The difference between being prepared and hiding behind preparation
• How analysis paralysis keeps you stuck from building wealth
• Why wealth-building requires calculated risk and imperfect action
• The mindset shift that helps you move from fear into problem-solving
• How to stop over-researching and start taking action
• The “3 resource rule” to avoid getting stuck in learning mode
• Beginner-friendly examples of starting with stock investing and real estate
• Why confidence comes from experience, not endless preparation
• The importance of community, mentorship, and support while building wealth
• A simple 3-step framework to help you take your first wealth-building step

This episode is your reminder that you are allowed to be a beginner. You do not need to know everything before you start building wealth — you just need to take the next small step.

Mentioned in this episode:

• Free Latinas in Real Estate community 

• Episode with Stephanie Olano on financial anxiety and money trauma

• Episode featuring Rakim and discussions around financial trauma and mindset

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever wondered how to build real generational wealth for your children — beyond just saving money — this episode breaks down practical ways to create financial stability, opportunity, and long-term security for the next generation.

In this solo episode, Violeta shares the exact strategies she’s using to build wealth for her daughter, from investing accounts and college funds to real estate investing, financial literacy, and estate planning. She opens up about growing up around financial struggle, why she’s determined to break those cycles, and how intentional wealth-building can create more options and freedom for future generations.

She also explains beginner-friendly concepts like 529 plans, UTMA accounts, house hacking, rental properties, and trust funds — while emphasizing the importance of financial education and protecting the assets you build.

We cover:
• Building intentional generational wealth and breaking financial cycles

• How first-generation experiences shape money mindset and financial anxiety

• Beginner-friendly wealth-building tools like 529 plans, UTMA accounts, and house hacking

• The role of financial literacy in preparing kids for long-term success

• How real estate investing can create income, stability, and future opportunities

• Combining college planning, investing, and estate planning to protect wealth

• Why community, representation, and education matter for Latina investors

• Creating systems that help preserve wealth for future generations

This episode is a reminder that building wealth isn’t just about making more money — it’s about creating stability, expanding opportunities, protecting your assets, and giving the next generation a stronger financial foundation than the one you started with.

Mentioned in this episode:
• Free Latina real estate investing community
 Real Estate Jefas Community

• Fidelity UTMA https://fidelity.app.link/e/2jr9fB2eUWb

• Episode 129 with Andrea from Building Gen Wealth and the Latina Investors https://www.podcast.moneychisme.com/2042300/episodes/19138418-129-the-3-best-ways-to-build-wealth-even-if-you-re-starting-from-scratch 

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever felt like real estate investing was out of reach — or struggled with the idea of investors contributing to the housing crisis — this episode offers a different perspective on how real estate can be used as a tool for both financial stability and community impact.
 Violeta shares how she accidentally started investing through house hacking, how real estate helped her break out of financial struggle, and why she’s now focused on ethical investing and affordable housing. She also breaks down beginner-friendly strategies for buying your first property, reducing housing costs, creating additional income, and building generational wealth — even without a huge amount of money upfront.

 We cover:
• How Violeta got started in real estate through house hacking
• Beginner-friendly ways to use real estate to reduce expenses and build income
• FHA, VA, USDA, and low down payment loan options
• Why duplexes, triplexes, and fourplexes can be powerful first investments
• The financial benefits of rental income and tax strategies
• How ethical landlords can help improve housing affordability
• Why more Latinas need representation in real estate investing
• Common fears around investing — and why they shouldn’t stop you
• Creative financing options beyond traditional mortgages
• The importance of community, networking, and financial education
This episode is a reminder that real estate investing can be about more than profit — it can also be a pathway to stability, generational wealth, and positive change within our communities.

 Mentioned in this episode:

• How to Use Hard Money Loans

• How to Pay Less Taxes

• Free Latina real estate investing community 

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve been working, saving, and doing everything “right” with money but still feel stuck, this episode breaks down what might be missing.

Violeta and Andrea Ramos discuss the three main ways to build wealth — the stock market, real estate, and entrepreneurship — and how to use them based on your current season of life. Andrea shares her journey from financial instability to building a six-figure business and investment portfolio, while Violeta shares how she got started in real estate through house hacking and grew from there.

They highlight why the stock market is often the easiest place to start, how to approach investing without a 401(k), and how each wealth strategy can eventually support the next.

We cover:
• The three core wealth-building vehicles and how they differ
• Why the stock market is the most accessible starting point
• How to begin investing without a 401(k)
• Real estate strategies like house hacking and multifamily investing
• How to know when it’s the right time to buy property
• Using one wealth strategy to fund another
• The role of entrepreneurship in building wealth faster
• Overcoming fear and confusion around money

Mentioned in this episode:

• Andrea’s Financial Coaching Services 

This episode is a reminder that you don’t have to do everything at once — start with one strategy, stay consistent, and build from there.

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever felt like no matter how hard you work, it’s still not enough — especially while juggling bills, caregiving, and constant financial stress — this episode is a powerful and eye-opening conversation about why that feeling exists and what’s really behind it.

Violeta dives deep into the reality of the feminization of poverty, breaking down how systemic barriers — not personal failures — disproportionately impact women, especially Latinas. 

This is both a validation and a call to awareness: your financial situation does not exist in a vacuum — and understanding the system is a key step toward navigating it.

We cover:
• What the “feminization of poverty” actually means and why it matters
• The long-term impact of caregiving responsibilities on income and career growth
• How lack of access to affordable childcare, healthcare, and education creates financial traps
• How systemic policies and political decisions directly affect women’s financial stability
• Practical ways women can protect themselves financially in an unpredictable system
• Why money is inherently political — and why staying informed matters

This episode is a reminder that financial struggle is often structural, not personal. And while the system may not be built in your favor, awareness, strategy, and community can help you navigate it with more clarity and intention.

Mentioned in this episode:

• The Economic Status of Single Mothers by Center for American Progress 
• The Enduring Grip of the Gender Pay Gap by Pew Research Center 
• Pew Research
• Teen birth rates hit another historical low in 2025, CDC says
• Fox News analyst blames low birth rate on teens not having enough kids

If this episode resonated with you, share it with another woman who needs to hear this — and join the conversation.

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever gone through a major life or income change — whether earning less than before or suddenly earning more — and felt your spending habits didn’t quite adjust with you, this episode is a real, honest look at what that transition can actually feel like.

Violeta shares her personal experience of going from a high-income household (over $200K/year) to a much leaner income after leaving the military and transitioning into a new phase of life. While the shift was planned financially, the mindset and habit adjustments proved to be more challenging than expected.

She opens up about how easy it is for “old” spending habits to creep in — especially during exciting life moments like buying a home, starting a homestead, or launching new projects — and how those decisions, while not necessarily bad, can become less sustainable without the same level of income.

This episode is both a reality check and a reassurance: even if you’re financially savvy, you still have to actively manage your money through every life season.

We cover:
 • The emotional and mental shift of going from high income to lean living
 • Why financial habits don’t automatically adjust when your income changes
 • How lifestyle inflation can show up — even when you think you’re being intentional
 • The hidden costs of major life changes (moving, homeownership, homesteading, new projects)
 • Using 0% financing strategically — and when it can still backfire
 • Why “not bad decisions” can still create financial strain without proper planning
 • The importance of doing a financial audit and identifying where money is leaking
 • How to communicate about money without blame in a relationship
 • Separating personal finances from investments to avoid overlap and confusion
 • Turning financial pressure into motivation to increase income or take business goals seriously

This episode is a reminder that managing money is an ongoing process — not a one-time achievement. Life changes, income shifts, and new goals all require you to pause, reassess, and adjust. And if you find yourself off track, it doesn’t mean you’ve failed — it just means it’s time to realign and move forward with intention.

Mentioned in this video:
 My homesteading channel
Real estate podcast (Real Estate Chisme)

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever felt frustrated after tax season — whether you owed more than expected or realized you could’ve kept more of your money — this episode breaks down how to start being more proactive with your taxes.

Violeta recaps the end of tax season and shares practical, beginner-friendly strategies to help you reduce your tax liability moving forward — especially if you’re a W2 employee or working toward a higher income. She explains key concepts like deductions vs. credits, and walks through simple ways to start planning now so next year feels very different.

She also touches on the emotional and personal side of taxes — from feeling overwhelmed or unprepared to rethinking how and when you pay taxes — and encourages listeners to take control by staying informed and building a strategy that aligns with their values and financial goals.

We cover:
 • The difference between tax deductions and tax credits (and how each one works)
 • How pre-tax accounts like 401(k)s and HSAs can reduce your taxable income
 • Common tax credits to be aware of (child tax credit, earned income credit, and more)
 • Standard deduction vs. itemizing — and how to know which is right for you
 • How medical expenses and HSAs can offer additional tax advantages
 • Adjusting your withholdings and what to consider before doing it
 • Why tax planning shouldn’t wait until tax season
 • Ways to reduce taxable income, including starting a business or investing in real estate
 • The importance of working with a CPA and staying informed on tax changes

This episode is a reminder that tax season shouldn’t be a surprise — with the right knowledge and small actions throughout the year, you can keep more of your money and feel more in control of your finances.

Mentioned in this episode:

IRS Tax Credits

27 Real Estate Tax Benefits Explained: Pay Less Taxes

Episode 114: What’s Changing With Money in 2026?, Taxes, Real Estate & Financial Planning Updates

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Feeling stuck in the chaos of transition? Today I open up about leaving military life behind, navigating the wild ride of real estate, and shifting my version of freedom on my own terms.
This episode is your wake-up call if you're struggling to find clarity after big life shifts. From the hustle and grind of military routines to the sacred space of my growing businesses, all while rebranding my life and embracing a slower, purpose-driven pace. It's a story of resilience, reinvention, and the power of intentional independence.

This episode isn’t just about surviving—it's about thriving with clarity, courage, and confidence. Whether you're in the midst of your own big transition, dreaming of financial independence, or ready to carve out your space on your own terms, this is your call to action.

Why stay stuck in old routines when freedom is within reach? Hit play—ignite your transformation today. You’re only one decision away from living the life you truly deserve.

Mentioned in this episode:

Join my Latina Real Estate Investors Skool Community

Learn about Real Estate Investing on Real Estate Chisme

Follow my Homesteading Journey on Youtube

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Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever felt like you should be further ahead with money — even after earning more or having opportunities — this episode brings clarity to why that happens and how to move forward.

Violeta sits down with Justin Brown-Woods, an accredited financial counselor who shares how he went from receiving a $600,000 inheritance to falling into over $220,000 of debt — and how he turned things around by paying off more than $130,000 in just 18 months.

They dive into how lack of financial education, lifestyle inflation, and emotional habits can impact your finances, regardless of income. Justin also shares practical, realistic approaches to budgeting and debt payoff, including how to make budgeting feel less restrictive and more aligned with your values.

The conversation also explores the emotional side of money — from shame and avoidance to how debt affects your mental health and relationships — and offers mindset shifts to help you move forward with more confidence and clarity.

We cover:
 • How lifestyle inflation can lead to debt — even with a large income or payout
 • Why financial education matters more than how much you earn
 • A more flexible, values-based approach to budgeting
 • Practical strategies to stay consistent with your finances
 • How to overcome shame and avoidance around money
 • Different debt payoff methods and how to choose one
 • Tips for navigating money conversations in relationships
 • Why your financial situation does not define your worth

This episode is a reminder that you’re not behind — you’re learning. And with the right tools and mindset, you can take back control of your finances.

Mentioned in this episode:

Haley and Justin Brown-Woods’ Financial Counseling

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve been doing all the “right” things with money — building a career, earning more, saving consistently — but still feel unsure about your financial future, this episode puts language to that feeling and shows you what might be missing.

Violeta speaks directly to first-gen Latinas who are navigating money without a blueprint, balancing ambition, family responsibilities, and the pressure to “figure it out” on their own. 

In this episode, Violeta breaks down 10 essential mindset shifts every Latina wealth builder needs to understand. From redefining what it actually means to be “good with money” to unpacking the emotional side of financial decisions, she highlights the gaps that traditional money advice often overlooks.

She dives into the key difference between income and wealth, and why earning more doesn’t automatically translate to financial freedom. Instead, she emphasizes the importance of building assets — the things that continue to grow and generate income even when you’re not working.

Most importantly, this episode is a reminder that wealth isn’t about status or luxury — it’s about freedom. The freedom to make choices, support your family, and live life on your own terms.

We cover:
 • Why feeling “behind” with money is more common than you think
 • The difference between earning income and building true wealth
 • Why many Latinas were taught survival money skills — not wealth strategies
 • How your emotional relationship with money impacts your decisions
 • Why perfectionism and overthinking can delay financial progress
 • The power of starting before you feel fully ready
 • How time and consistency build wealth more than hustle alone
 • Why your network and environment shape your financial future
 • The truth about wealth vs. status and lifestyle inflation
 • How real estate can be used to build cash flow, equity, and long-term freedom
 • Why generational wealth starts with one decision

This episode is your reminder that you’re not behind — you’re just learning a new game. And the moment you start thinking differently about money, you open the door to building a future rooted in freedom, stability, and choice.

Mentioned in this episode:

Free 5-Day Rental Property Investing Crash Course

Join the Real Estate Community for Latinas (Skool)

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If the idea of retiring early sounds appealing but also completely unrealistic, this episode breaks down what financial independence can actually look like in real life — especially for first-gen Latinas balancing career goals, family responsibilities, and rising living costs.

Violeta introduces the FIRE movement, which stands for Financial Independence, Retire Early. The core idea is simple: build enough investments so your money can cover your living expenses, giving you the freedom to work because you want to — not because you have to.

But retiring early doesn’t always mean having millions in the bank or quitting work forever. In this episode, Violeta explains that there are five different types of FIRE strategies, each designed for different lifestyles, income levels, and goals.

We break down how the 4% rule works and how to estimate your “FIRE number” — the amount you would need invested to generate enough income to cover your annual expenses.

From there, Violeta walks through the different approaches to financial independence, from minimalist lifestyles to luxury retirements, as well as hybrid options that allow you to work part-time while your investments cover most of your expenses.

This episode is a reminder that financial independence isn’t a one-size-fits-all formula. Whether your goal is to retire early, work less, or simply have the freedom to walk away from a job you don’t love, there are multiple paths to buying back your time.

We cover:
• What the FIRE movement is and how financial independence works
• How to calculate your “FIRE number” using the 4% rule
• The five different types of FIRE and how they compare
• Why Lean FIRE focuses on minimizing expenses
• How Fat FIRE allows for a more luxurious retirement lifestyle
• What Barista FIRE is and why it offers flexibility with part-time work
• How Coast FIRE relies on investing aggressively early in life
• Why real estate can accelerate financial independence through cash flow
• Important factors to consider like inflation, mortgages, and lifestyle changes

This episode is a reminder that building wealth and creating financial freedom is a long-term journey. Even small steps today can move you closer to a future where your time truly belongs to you.

Mentioned in this episode:

Free 5-Day Rental Property Investing Crash Course

Join the Real Estate Community for Latinas (Skool)

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If the constant headlines about global conflict, rising gas prices, and market uncertainty have you wondering how it all impacts your finances, this episode breaks it down in a practical and grounded way.

Violeta explains what’s currently happening with the military escalation between the United States and Iran can affect gas prices, inflation, the stock market, and even real estate.

This episode focuses on how to respond financially during uncertain times. Violeta introduces a simple two-step framework: stabilize and optimize. First, strengthen your financial foundation by assessing your finances, building your emergency fund, managing debt, and making sure your situation is stable. Then, once you’re in a secure position, you can look for opportunities to continue investing and growing your wealth.

We also talk about why markets tend to become volatile during global conflicts, and why long-term investing strategies tend to outperform short-term hype and trend chasing.

For those interested in real estate investing, Violeta also shares how she’s adjusting her strategy in the current environment by running more conservative numbers, increasing cash reserves, and staying disciplined when evaluating deals.

We cover:

• What’s happening with the U.S. and Iran and why it matters financially
• How rising oil prices can impact inflation, gas, and everyday expenses
• Why markets react to global conflict
• The two-step strategy: stabilize your finances, then optimize
• Why long-term investing beats chasing trends
• How real estate investors can adjust their strategy during uncertain times

This episode is a reminder that while global events are unpredictable, the way we manage our money doesn’t have to be. Staying calm, informed, and consistent with your financial strategy can help you navigate uncertainty without panic.

Mentioned in this episode:

More information about the Iran attacks

Breakdown of the Strait of Hormuz and why it matters

Episode about doing a financial reset and auditing your finances

Open a high-yield savings account with Upgrade and get a $50 bonus

Free 5-Day Rental Property Investing Crash Course

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you want to build wealth, grow your opportunities, and become more intentional about the way you live and work — but you’re not sure what actually makes the biggest difference — this episode is for you.

In this episode, we break down five powerful habits and mindset shifts that many successful and wealthy people consistently practice. After attending a real estate investing conference in Las Vegas, Violeta shares the most impactful lessons she heard from industry leaders and how she’s starting to apply them in her own life and business.

This is a practical, honest conversation about what it really takes to move forward — not just learning information, but understanding yourself, managing your time and energy, and creating systems that support your goals. Because success isn’t just about what you know… it’s about how you show up consistently.

We talk about why self-awareness is often the missing piece when people feel stuck, how poor time management quietly drains opportunities, and why learning to delegate and build systems can completely change your capacity. We also discuss how to protect your energy, stop trying to force people who aren’t ready to grow, and why life tends to give you more of what you actively engage with.

This is a reflective and motivating conversation for anyone who wants to be more disciplined, more focused, and more aligned with the life they’re trying to build — especially if you feel like you know what to do but struggle to stay consistent.

We cover:
• Why understanding yourself is the foundation of success
• How self-awareness helps you take effective action
• Why time management is just as important as money management
• The power of time blocking and intentional scheduling
• How systems and delegation increase efficiency and freedom
• Why protecting your energy matters more than you think
• The idea that life gives you more of what you engage with
• Why action and environment matter just as much as mindset
• How to start implementing these habits in your daily life

If you’ve been feeling stuck, overwhelmed, or inconsistent this episode offers a grounded and realistic framework for moving forward. You don’t need to change everything overnight. You just need to become more intentional about how you use your time, energy, and attention.

Mentioned in this episode:

• Clifton’s Test

If this episode resonated with you, share it with someone who’s working on becoming more intentional, productive, or growth-focused. 

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’re a parent who wants to set your kids up for a more secure financial future but feels overwhelmed or unsure where to start, this episode is for you.

In this episode, we break down why investing for your kids matters more than ever, especially in today’s economy, and how starting early can make a powerful difference over time. We talk through the most common investment account options available for kids, the pros and cons of each, and how to decide which one actually makes sense for your family and your goals.

This is a judgment-free, practical conversation designed for parents, first-generation professionals, and Latinas who are learning about investing for the first time while also trying to do better for the next generation. You don’t need to be an expert or have everything figured out to get started. You just need clarity and a simple plan.

We discuss why investing for your kids doesn’t mean you have to open every account or contribute huge amounts. It’s about understanding your options, choosing what aligns with your goals, and taking small, consistent steps that compound over time. You’ll learn how time in the market works in your child’s favor, how to keep things simple, and how to avoid common mistakes that can cause unnecessary stress.

We cover:

• Why you should invest for your kid
• What is an UGMA account?
• What is an UTMA account
• What is a 529 College Savings Plan
• What is a Roth IRA for kids
• What is a Trump Account
• How to choose an investment account for your kid
• How to start investing for your kid

If you’ve been wanting to invest for your kids but felt intimidated, behind, or unsure which path to take, this episode gives you a clear and compassionate framework to start. Even one small step can make a meaningful difference in your child’s future and help break cycles of financial stress and uncertainty.

Mentioned in this episode:

• Info about the kiddy tax: https://www.irs.gov/taxtopics/tc553
• Open a Kid’s Investment Account with Fidelity - https://fidelity.app.link/e/2jr9fB2eUWb

If this episode was helpful, share it with another parent who might need it. Our community deserves access to this information, and the earlier we start these conversations, the more options we create for the next generation.

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If talking about money with your partner feels uncomfortable, emotional, or like it could turn into an argument — this episode is for you.

In this episode, we break down why money conversations in relationships feel so hard, what happens when couples avoid them, and how to start talking about finances in a way that builds trust instead of tension. This is a judgment-free, practical conversation designed to help you and your partner get aligned, reduce financial stress, and create a shared direction without shame or blame.

This episode is especially for couples, first-generation professionals, and Latinas who were never shown how to communicate about money in a healthy, collaborative way — and are trying to figure it out together now.

We talk about why financial alignment doesn’t mean identical habits or fully merged accounts — it means clarity, honesty, and shared goals. You’ll learn how to create a safe space for money conversations, how to approach your partner with compassion, and how to turn these talks into regular “money dates” that actually strengthen your relationship.

We cover:

• Why money is one of the biggest sources of relationship stress — and how to change that
• What financial alignment really means (and what it does NOT mean)
• How to start money conversations without triggering defensiveness
• Why you should start with goals — not numbers
• Different ways couples can manage money together (joint, separate, hybrid)
• How to split expenses fairly based on income
• Rules to follow during money talks to avoid blame, score-keeping, and shutdowns
• How to create “money dates” to make financial check-ins easier and more effective

If you’ve been avoiding money conversations with your partner or feel nervous about bringing finances up, this episode will give you a clear, compassionate framework to start — so money becomes a tool for teamwork, not conflict.

Mentioned in this episode:

Money Monthly Planner (free budget + tracking template)

Episodes on budgeting and creating a money plan

Related episodes on financial anxiety and money mindset

Mentioned in episode:

• Money Monthly Planner (free budget + tracking template)
• Episodes on budgeting and creating a money plan (Episode 115) / (Episode 116)
• Related episodes on financial anxiety and money mindset (Episode 54) & (Episode 68)

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’ve ever wondered why you’re not getting any closer to your money goals — even though you have a decent job and you’re “doing the right things” — this episode is for you.

In this episode, we break down why setting financial goals isn’t enough on its own and how creating a realistic, season-aligned money plan is the missing piece. This is a guilt-free, judgment-free conversation designed to help you figure out where you’re getting stuck, why past goals may not have worked, and how to create a clear roadmap that actually moves you forward.

This episode is especially for first-generation professionals and Latinas who were never taught how to plan their money beyond “pay your bills, save what you can, and hope for the best.”

We talk about how to assess your current financial reality, align your goals with your money season, and build a money plan that includes both strategy and mindset — because your thoughts around money matter just as much as the numbers.

We cover:

• Why you can feel “stuck” financially even with a good income
• How to identify what’s blocking you from reaching your money goals
• How to use the SMART goal framework to create achievable financial goals
• What “perfectionism paralysis” is and how it keeps you stuck
• How financial anxiety and avoidance impact your progress
• Common limiting money beliefs many first-gen professionals and Latinas grow up with
• Why a money plan is more than a budget — it’s a personalized roadmap for your life

If you’ve ever felt overwhelmed, discouraged, or frustrated by your financial goals, this episode will help you reframe your approach with compassion, clarity, and realism — so your money plan actually works with your life, not against it.

Mentioned in episode:

• Financial Reset Workshop (Episode 115)
• Budgeting & Money Management (Episode 116)
• Related episodes on financial anxiety and money mindset (EP 54) & (EP 68)

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you want to feel more in control of your money, it starts with having a system — not guessing, avoiding, or hoping it works itself out.

In this episode, I break down what money management actually is, why tracking your money matters, and how choosing the right budgeting method can help you stop leaking money and start making intentional financial decisions. This is a practical, judgment-free breakdown designed especially for first-generation professionals and Latinas who were never taught how to manage money beyond “pay your bills and save what’s left.”

I walk you through three common budgeting styles, who each one is best for, and how to choose the one that aligns with your current financial season — without feeling restricted or punished.

We cover:

• Why tracking your money is important to reach your financial goals
• What money management really is
• What budgeting is (and why it feels restrictive)
• What is the 50/30/20 budget
• Why zero-based budgeting is one of the most effective budgeting methods
• What is a zero-based budget
• Why you need to give every dollar a job
• What happens when you don’t plan for every dollar you make
• What is the pay-yourself-first budget
• Which budget is the best for you

If budgeting has ever felt overwhelming, restrictive, or like a punishment, this episode will help you reframe it as a supportive tool — one that gives your money direction so it can work for you, not against you.

Mentioned in episode:

• Monthly Budget & Yearly Money Tracker - Get the free tracker here

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Before setting financial goals for 2026, it’s essential to audit your finances. This episode walks through a step-by-step, no-shame financial audit to help you see where your money actually went, understand your current numbers, and set realistic, aligned wealth-building goals.

We cover:

• How to assess your current financial “vital signs” 
• How to track and evaluate your debt
• Understanding your net worth
• How to review your spending and create a realistic budget snapshot
• How to identify your current financial season (stabilize, grow, or scale)
• How to set financial goals that actually align with your life and priorities in 2026

This episode helps you break the cycle of repeating the same financial goals by slowing down, getting honest with your numbers, and building a solid foundation so your 2026 goals are intentional and achievable.

Mentioned in episode:

• Monthly Money Plan & Yearly Tracker - Get the free tracker here

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you’re setting financial goals for 2026, you need to know what’s actually changing with money before making big decisions.

In this episode, I break down the most important 2026 personal finance updates, including new tax brackets, housing policy proposals, interest rate changes, and what they mean for investing and real estate in 2026. This is a no-shame, no-hype breakdown designed especially for first-generation professionals and Latinas who want to build wealth with clarity and confidence.

We cover:

• 2026 federal tax bracket changes and what marginal tax rates really mean
• New and proposed tax law updates impacting paychecks and retirement
• Housing and mortgage changes being discussed by the current administration
• What’s happening with real estate investing in 2026
• How interest rates may affect buying, refinancing, and investing decisions
• What to prioritize when setting financial goals for 2026

If you’ve been feeling overwhelmed by headlines or unsure how policy changes affect your money, this episode will help you focus on what actually matters so you can plan smarter in 2026.

Mentioned in episode:

IRS New Updates

Retirement Investment Account Changes

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Let's talk about the importance of taking time to achieve financial freedom, especially for first-generation Latinas who often feel pressured to catch up with their peers. In this episode I share my personal experience with financial anxiety, emotional decision-making, and the mistakes I made in my journey, particularly in real estate investing. I share the value of patience, strategic planning, and learning from past errors to create a sustainable path toward financial stability and success.

takeaways

• First-generation Latinas often feel financial anxiety and pressure.
• Rushing can lead to emotional financial decisions and mistakes.
• The military motto 'slow is smooth, smooth is fast' applies to finance.
• Many people feel they need to catch up with peers financially.
• Overanalyzing can lead to inaction or poor financial decisions.
• Investing without a strategy can result in significant losses.
• It's important to learn from past financial mistakes.
• Creating a financial strategy requires clarity and intention.
• Addressing financial anxiety is crucial for making sound decisions.

More Chisme on the Blog:

https://moneychisme.com/the-power-of-patience-building-wealth-doesnt-have-to-be-rushed/

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

This step-by-step addresses the unique challenges faced by first-generation immigrants in planning for their aging parents' retirement. In this rerun episode, I share the importance of understanding their current financial situation, setting retirement goals, and creating a comprehensive budget that includes healthcare and emotional support considerations. Violeta also highlights the cultural expectations that often place financial responsibility on the children of immigrant families, and the need for careful planning to balance these responsibilities with personal financial goals.

Get more chisme on the blog:

https://moneychisme.com/navigating-the-unique-challenges-of-retirement-planning-of-first-generation-immigrant-parents/

Want to start real estate investing?
Sign up for for my Keys to Cashflow Rental Property Bootcamp!
https://moneychisme.com/rental-property-bootcamp/

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

In this rerun episode we discuss the significance of financial literacy within the Latino community, highlighting personal experiences and the challenges faced in understanding financial concepts. Cici Plata, founder of the Hive Co Realty, discusses the importance of teaching financial skills to future generations, the impact of cultural priorities on financial decisions, and the role of social media in empowering individuals to seek knowledge. She emphasizes the need to break the cycle of poverty through education and responsible financial practices.

Connect with CiCi Plata:

https://www.instagram.com/TheHiveCoRealty

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Let's give the gift of financial literacy and financial empowerment this holiday season. In this episode I share my favorite money books that you can gift to someone you know or yourself! The best part? They are all Latina, Black and minority authors! So if you are looking to support minority businesses this year, gift a loved one or friend one of these books!

Get the full chisme and more on the blog!

https://moneychisme.com/powerful-money-books-by-women-of-color-to-gift-ambitious-latinas-this-holiday/

Say Hola Wealth Academy:
https://courses.sayholawealth.com/a/2147518588/M89KxGwy

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Join the Waitlist for
Keys to C.A.S.H.F.L.W. Rental Property Bootcamp
https://moneychisme.com/rental-property-bootcamp/

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

In this episode rerun, I reflect on how changing my mindset and view on what wealth means, changed my life. We grow up thinking wealth means a big fancy house and car. That we need luxurious bags, shoes and clothes. But it may not really be YOUR idea of wealth. You may have been influenced to think that is what success is. But it may just mean a slow paced life. What does wealth mean to you? How does it look like?

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Now more than ever, there are financial traps being set that are designed to keep you broke. Especially with the holiday season and news of 50 year mortgages and 15 year car loans. Here is how to spot financial traps and how to avoid them so you can make better financial decisions. 

Mentioned in this episode:

50 Year Mortgage Loans and Fannie Mae Update

https://youtu.be/vISX6-OOAT4?si=3_IAEvxi-84PWs0M

Money Books I recommend:

https://www.amazon.com/shop/moneychisme/list/1MTXRM8003HUP?ref_=cm_sw_r_cp_ud_aip_sf_list_spv_ofs_mixed_d_6RX9JTB4C929AKNDYASF

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Finance Books to Start Your Journey

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

The 'Big Beautiful Boycott' is a response to the political and economic challenges faced by communities during the holiday season. I talk about the importance of resisting consumerism, reimagining holiday traditions, and supporting local initiatives. The discussion also highlights the need for financial empowerment as a form of resistance against systemic issues affecting marginalized communities.

Key Takeaways

• The holiday season is heavily impacted by political and economic issues.
• A no spend holiday season can be a form of protest.
• Quality time with family can replace consumerism during the holidays.
• Creating new traditions can help shift focus from gift-giving.
• Re-gifting can be a sustainable alternative to buying new gifts.
• Community support is crucial during times of economic hardship.
• Financial literacy is essential for empowerment and resistance.
• Local businesses should be prioritized over large corporations.
• Money management can help build wealth and stability.
• Participating in community initiatives can make a significant impact.

More chisme on the blog:

https://moneychisme.com/the-big-beautiful-boycott-how-to-join-the-protest/

https://bigbeautifulboycott.us/

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Big changes are coming to your taxes in 2026—pero no te me asustes. In this mini episode, I break down the IRS updates to standard deductions, tax brackets, earned income credit, childcare credits, and health flexible spending accounts.

But this isn’t just a boring tax update. It’s your chance to plan smarter, save more, and build generational wealth like a jefa.

If you're a cycle-breaker Latina navigating dinero decisions while supporting your familia, this episode is your blueprint to keeping more of your hard-earned cash.

Tune in to start making those IRS updates work for you—not against you.

Get More on the BLOG

https://moneychisme.com/irs-tax-changes-for-2026-what-every-latina-investor-should-know/

🎧 Related Episode:
https://moneychisme.com/how-to-reduce-taxable-income-with-tax-planning-strategies/

Full IRS Tax Updates 2026

https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you're a business owner, at some point you may ask yourself, "Should I start a podcast to promote my business?" In today's episode, Mafe Salazar, a podcast producer shares her insights on how to effectively use podcasts as a tool for business growth. 

Mafe shares her journey into podcasting, the role of a podcast producer, and the significance of defining clear goals for a podcast. She emphasize the importance of understanding the podcast's purpose, effective engagement strategies, and the significance of word-of-mouth promotion.

 Chapters

00:00 Introduction to Podcasting for Entrepreneurs
00:54 Mafe Salazar: Journey into Podcasting
03:07 Understanding the Role of a Podcast Producer
04:57 Defining Goals for Your Podcast
06:57 Evolving Your Podcast's Direction
08:47 Using Podcasting as a Business Tool
10:26 Monetizing Your Podcast
12:59 Aligning Guests with Your Podcast Goals
16:32 Tips for Starting Your Podcast
17:26 The Podcast Planning Process
19:11 Refining Your Podcast's Core Message
20:47 Maximizing Content Repurposing
22:49 Boosting Podcast Visibility and Engagement
26:03 Effective Podcast Length and Structure
28:12 Podcast Launch Services and Strategies

More Chisme on the Blog:

https://moneychisme.com/should-you-start-a-podcast-for-your-business

Connect with Mafe:

https://mafesalazar.com/

https://www.instagram.com/mafesalazar/

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Basiliso Moreno discusses the challenges faced by the sandwich generation, particularly in caregiving for aging parents while managing their own families. Basiliso shares his personal journey, highlighting the emotional and financial strains of caregiving, the importance of planning for healthcare needs, and the resources available for financial support. 

He explains the cultural aspects of caregiving in the Latino community and offers practical advice for those navigating similar situations. In this conversation, Bas Moreno discusses the complexities of Medicare and Medicaid for older adults, the challenges faced by the sandwich generation, and the importance of financial literacy within the Latino community. He emphasizes the urgency of securing Medicare and Medicaid amidst potential cuts and highlights the need for open conversations about caregiving and financial responsibilities. The discussion also touches on the impact of the current administration on financial planning and the mental health of seniors.

Get the full chisme on the blog:

https://moneychisme.com/the-financial-toll-of-caregiving-the-sandwich-generations-struggle/

Connect with Bas Moreno:

Https://www.instagram.com/basmorenoconsulting

Schedule a Free 25 minute consultation:

https://calendly.com/basmoreno/consultation

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

How my emergency fund saved me during a rental property flood, unexpected RV tire blowout, and one of the hardest moments of my life: putting my dog of 12 years to sleep.

I unpack the difference between savings vs emergency fund, why we feel guilty spending money we “worked so hard to save,” and how that fund is not meant to just sit there. 

Plus I share a few tips:

• Why your emergency fund isn’t just for show
• How to start one without overwhelm
• The must-have emergency fund for rental property owners
• The mindset shift first-gen Latinas need around saving and spending

Support the show

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Ever rolled out a tortilla that looked like Texas but still tasted like abuela’s love? That’s your financial journey. Messy edges, uneven steps, sometimes too thick, but still warm, real, and so worth it. In this episode, I get real about the pressure to have the “perfect” money plan, and why embracing your imperfect, irregular journey is actually where the flavor is.

This one's for my perfectionists, my recovering overthinkers, and anyone feeling behind. Porque aunque la tortilla no sea redonda, todavía se come.

We’re breaking generational cycles and building wealth, con sazón, not shame.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

If you spend any time online, you’ve probably heard it:

“Real estate investing is evil.”
“Landlords are greedy.”
“Owning property means you’re part of the problem.”

And honestly? I grew up believeing that too.

There’s no denying that there are landlords out there who only care about squeezing every last penny out of their tenants. We've seen the headlines—rent hikes, neglected repairs, unfair evictions. The bad players give real estate a bad reputation, and for a long time, I thought the solution was to stay out of it completely.

Until one unexpected moment changed my entire mindset.

Check out my Rental Property Bootcamp to start investing!

https://moneychisme.com/rental-property-bootcamp/

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

We made it to 100 episodes, y’all! In this special episode, I’m taking a moment to reflect on the journey, highlight some of the most powerful guest moments, and share the biggest money lessons we’ve learned together. From breaking generational cycles to building wealth con propósito, this episode is a love letter to our comunidad and every guest who's dropped gems along the way. Whether you’ve been here since episode 1 or just found us—gracias for being part of the journey.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

What does it take to break free from survival mode and start building real wealth? Miriam Simon, CEO of Mi Si Coaching and Consulting, reveals her 25-year journey from entry-level positions to corporate executive leadership.

She shares her powerful philosophy of honoring "your yes" – making decisions that align with your own values rather than others' expectations. This principle guided her from difficult beginnings to creating new leadership roles and eventually founding her own company.

She share her practical strategies for career growth for Latinas, that helped Miriam secure eight different promotions and significantly increase her income. She shares insider tips on customizing resumes, researching salary ranges, leveraging employer benefits like tuition reimbursement, and effectively using LinkedIn for professional networking. 

Whether you're just starting your career, feeling stuck in survival mode, or ready to leverage your professional success to build wealth, this episode offers both inspiration and concrete strategies to help you honor your own "yes" and create the financial stability you deserve.

More on Miriam Simon on the blog!

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

After 14 years of military service, I’m finally doing what many dream of—building our own homestead in Texas. On 10 acres of land filled with mesquite and cactus, we're creating a slower, freer life on our terms.

Military life taught me stability, but building a homestead, as a First Gen Latina had some challenges. In this episode I share my decision to build a manufactured home instead of a barndominium and the costs that go along with it.  

From deciding to leave the military after post-COVID-19 mindset shift, to buying 10 acres of land without ever seeing it in person, to figuring out how to pay for it, it was a journey with many ups and downs. 

Please like, share, and rate this podcast episode to help it grow. Your support makes a difference!

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Many new Latino Real Estate Investors feel stuck before they even start their real estate investing journey. That nagging voice in your head questioning your abilities or resources isn't just annoying—it's a limiting belief actively holding you back from building wealth.

As a first-gen Latina investor, I've battled these mental barriers firsthand. The truth is, these limiting beliefs—"I need to have it all figured out," "I don't have enough money," "ambition is selfish," and "I don't know where to start"—are psychological barriers masquerading as practical problems. They're rooted in deeper issues: fear of failure, scarcity mindset, concerns about judgment, and information overwhelm. Recognizing the real source of resistance is half the battle.

Check out THE BLOG for more!

Ready to break through these mental barriers and start building wealth through rental properties? 

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Lindsay Barrientos shares her journey from Peruvian immigrant to real estate investor, showing how regular people can build wealth through property investment even without massive capital or experience. Her story proves that our community can overcome financial barriers and cultural money mindsets to create passive income streams and build generational wealth.

• Born in Peru and immigrated at 16, learning English and American financial systems simultaneously 
• Used nursing career to build initial capital while educating herself through books and social media
• Purchased first investment property in Indiana for $135K while living in California
• Successfully executed a BRRRR strategy using HELOC funds despite setbacks including a property fire
• Emphasizes networking with other investors and learning from YouTube creators investing in target markets
• Advocates shifting perspectives on debt to understand the difference between good debt for assets versus bad debt for liabilities

Find Lindsay on YouTube and Instagram at "LINdoes investing" to follow her journey and learn more about real estate investing strategies for Latinas.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Have you ever had life completely derail your carefully constructed financial plans? That pivotal moment when reality forces you to completely reimagine what you thought your future would look like? What do you do next?

This episode is for my First Gen wealth builders who are navigating financial uncertainty and who've worked relentlessly to overcome barriers only to face new obstacles. I share my own recent dilemma of being forced to pivot with these uncertain economic times. 

I also share my insights on managing expectations, recognizing when resistance is actually guidance, and redefining success on your own terms. Most importantly, you'll discover that pivoting doesn't equal failure - sometimes it's the most resilient path forward.

Follow me on Instagram for additional resources from experts in our community helping us not just survive uncertainty, but position ourselves to thrive.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

What happens when a successful attorney discovers she has the financial literacy of a teenager? Attorney Heather Reese's journey from financial blindness to rebuilding her life after divorce at age 32 offers a raw, honest look at how money silence can impact anyone—regardless of education or career status.

Heather's story challenges the polished narratives often presented by financial influencers, offering instead a messy but authentic journey of rebuilding. "If a lawyer doesn't have it together, then it is not embarrassing if you don't have it together," she reminds listeners. Her experience demonstrates how financial literacy isn't automatically acquired through education or career success—it requires intentional learning, often through difficult personal experiences.

Follow Heather's continuing journey on Instagram at @heather_rxoxo, where she shares both struggles and victories. Have you ever had to rebuild your finances from scratch? Share your story with us and join the conversation about breaking the money silence.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Jhoanna Astudillo shares her journey from Ecuador to the US, highlighting how first-generation Latino immigrants often lack financial literacy while unconsciously developing money habits that influence future generations. Her personal story reveals how cultural backgrounds shape our relationship with money and the importance of changing narratives for our children.

• Experiencing the "ghost in the country" phenomenon when denied credit despite having savings
• Catching herself passing down unhealthy money messages to her daughter
• Working as Hispanic Segment Leader at BOKF to create financial education workshops

Take the first step toward better financial habits. You don't have to do it alone, and it's never too late to change the cycle for yourself and future generations.

Check out the blog for more.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

La incertidumbre económica y el alto costo de vida exigen ajustes estratégicos para mantener la estabilidad financiera sin perder nuestros valores culturales. En tiempos difíciles, mantenerse educadx financieramente es un acto de resistencia.

• Reconoce el estrés económico, pero no te desconectes de la información
 • Tómate pausas para procesar emociones antes de volver a la acción
 • Ajusta decisiones grandes como mudanzas o cambios de carrera
 • Prioriza tu fondo de emergencia y paga deudas como medida de protección
 • Diversifica tus inversiones: no todo es la bolsa, considera bienes raíces
 • Busca ingresos pasivos que ayuden con el costo de vida
 • No te aísles: mantén la conexión con tu comunidad
 • Inspírate en la resiliencia de nuestrxs antepasadxs inmigrantes
 • La educación financiera te da poder: personal y colectivo
 • Usa tu voz y tu dinero para apoyar a lxs más vulnerables

Comparte este episodio con alguien que lo necesite y mándame un DM en Instagram con tus ideas o sugerencias para futuros temas.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Economic uncertainty is creating financial anxiety for the Latino community, but we can take practical steps to reduce stress and regain control during these challenging times. The key is acknowledging our feelings while developing new strategies to navigate rising costs, stock market volatility, and potential recession.

• Face economic reality without letting it overwhelm you
• Adjust your financial plans and consider scaling back major purchases
• Learn financial literacy as a form of resistance and empowerment
• Consider real estate investing for monthly cash flow and financial stability
• Diversify investments between stocks, bonds, and tangible assets
• Connect with community rather than isolating during stressful times

More on the blog

Share this episode if you found it helpful, and remember: ánimo, let's keep our heads up and survive this craziness together.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Nancy Sasaki, President and CEO of United Way of San Diego County, shares how their Earned Income Tax Credit Coalition provides free tax preparation for those making under $67,000 annually. She explains the importance of financial literacy and how their programs help community members build economic mobility.

• Free tax preparation services available by calling 211 in San Diego County
• Trained volunteers often understand the specific needs of lower-income individuals better than paid preparers
• The SparkPoint program offers financial literacy coaching to increase income, savings, credit scores, and reduce debt
• Bank On program helps people learn to trust financial institutions and manage their money effectively
• United Way partners with 45 organizations throughout San Diego County to provide comprehensive services
• Individual Taxpayer Identification Numbers (ITINs) allow those without Social Security numbers to file taxes legally
• Financial literacy education extends to both young people and their families

Call 211 to find free tax preparation services near you, or visit uwsd.org to learn more about United Way's programs.

Check out the blog for more!

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

No es un secreto que la educación financiera sigue siendo un gran obstáculo para los latinos. ¡Sé que lo fue para mí! Aprendí todo a la mala. Pero vamos a empezar a cambiar eso. Aquí tienes algunos consejos sencillos sobre finanzas personales, dirigidos a la comunidad latina para que comiences a tomar el control de tu dinero.

Mas en el blog

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

It is Financial Literacy month and it's time to start building it! Financial literacy means understanding how money works and making strategic decisions about spending, saving, and investing. This episode is your guide to building financial knowledge, perfect for beginners and first-generation immigrants who may not have received financial education growing up.

• Focus first on learning about financial issues directly affecting you now 
• Understand how inflation and taxes affect your money
• Learn to differentiate between "good debt" and "bad debt" 
• Understand what affects your credit score
• Invest in retirement accounts 
• Plus financial literacy resources from Latino voices including books, podcasts, and online content

More on the blog!

Don't forget to share this episode with someone who might benefit, and tag me if you share it on social media to help reach more of our community with financial literacy information.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Nicole Stanley shares her journey from experiencing financial panic attacks to paying off $30,000 in debt with her husband in just 10 months and eventually building a quarter-million-dollar net worth on an average income of $56,000.

• Using therapy to address financial anxiety while simultaneously taking financial education courses
• Supplemented income through various side hustles like flipping furniture, nannying, and teaching English online
• Identifies five types of financial problems: spending, fixed expenses, income, money management, and financial strategy issues
• Views financial stress as a positive indicator that there's an opportunity waiting to be discovered
• Recommends creating a "spending plan" rather than a "budget" to reduce resistance and negative associations

Visit www.arisefinancial.com for free resources including 5-minute money moves, free classes on setting financial goals, and information about one-on-one financial coaching.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Aunque las recesiones son parte natural del ciclo económico, pero las decisiones políticas actuales podrían estar acelerando la llegada de una crisis en 2025. Aprende como proteger tu dinero con estos tips. 

En este episodio, exploramos estrategias clave para proteger tus finanzas y aprovechar oportunidades incluso en tiempos de crisis:

• Fondo de emergencia más sólido
•  Aprovecha cuentas de ahorro de alto rendimiento
•  Reduce gastos innecesarios y paga deudas de alto interés
•  Sigue invirtiendo en tiempos de crisis
•  Inversionistas inmobiliarios, prepárense
•  Empresarios, refuercen sus reservas
•  Encuentra oportunidades en la recesión

La clave no es solo sobrevivir, sino salir más fuerte. Prepárate ahora: fortalece tu ahorro, optimiza tus gastos y mantente listo para aprovechar oportunidades. Escucha este episodio y toma acción antes de que sea demasiado tarde.

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Let's talk about to to prepare for a recession in 2025. With this current administration, the effects of their decisions are having some negative economic impacts. This may lead to a recession. So how do you recession-proof your finances? I break down how to prepare for a potential 2025 recession with practical strategies anyone can implement.

I also cover:

• Understanding what recessions are and why we might be facing one in 2025
• Building a 6-12 month emergency fund in high-yield savings accounts 
• Identifying unnecessary expenses to cut while building financial reserves
• Paying down high-interest debt and avoiding new major purchases
• Managing investments without panic-selling during market downturns
• Recession-proofing investments like real estate
• Developing additional skills and income streams to recession-proof your career

Support the show

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

In this episode we get into how Facebook ads can be a game changer for your business. Stacy Reed, a Facebook ads expert, shares how it can skyrocket your business visibility and drive real sales growth. She reveals the must-know strategies for leveraging paid advertising while maintaining authenticity in your brand presence. Whether you’re a small business owner or entrepreneur this episode will give you actionable insights to elevate your online reach and maximize your ROI.

What You'll Learn in This Episode:

• How to blend organic social media with Facebook ads for long-term growth
• The role of a fractional CMO and how they can scale your marketing efforts
• Audience targeting strategies to ensure your ads reach the right people
• The difference between Boosted posts vs. Facebook ads 
• How to build genuine relationships with potential customers through ads
• The power of authentic, relatable content in high-converting campaigns
• Debunking myths about social media advertising that hold businesses back

So if you are looking to add Facebook ads or looking to refine your online marketing strategy, this episode is your roadmap to smarter marketing, stronger engagement, and bigger business wins.

Tune in now and start scaling your business with confidence.

Where to find Stacy Reed:

www.stacyzeal.co

LinkedIN

Free Workshop

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Is debt really the enemy? In this episode, I break the myth that all debt is bad and show you how smart borrowing can be a powerful tool for building wealth. Learn how good debt can fuel real estate investments, business growth, and financial freedom when used strategically. 

What You’ll Learn:

•  Good Debt vs. Bad Debt – What’s the difference and why it matters
• How to Overcome the Fear of Debt and use it to your advantage
• Real Estate Investing & Rental Income – Leveraging debt for passive income
• Tax Benefits of Using Debt Wisely to maximize your financial gains
• The Power of Financial Education & Community for wealth-building
• Practical Strategies to Use Debt Effectively in your financial journey

Tune in now to transform your mindset and learn how to make debt work for you!

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Resources:

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

You may think that financial planning is for those with million dollar net worths, but it is for everyone! Nadia Vanderhall, a financial planner and founder of The Brands and Bands, shows us how financial planning can empower YOU to take control of your financial future through actionable strategies and a shift in perspective on retirement.

In this episode we cover:

• What is financial planning?
• Why do you need financial planning?
• Financial Plan basics for beginners
• Making financial planning accessible for all
• Shifting perspectives on retirement as a continual process 
• The three essential phases of money: wallet creation, wealth creation, and wealth management 
• Importance of budgeting and understanding spending habits 
• Tips for estate planning and leaving financial legacies 

About the Guest:

Nadia Vanderhall is a financial planner, educator and marketer and founder of Brands and Bands Strategy Group. She guides individuals and families through the three phases of money with Financial Planning and Financial Education.

www.thebrandsandbands.com

Instagram: NVKnows

Support the show

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Resources:

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Cual es la diferencia entre la deuda buena y la deuda mala? Cómo entender esta distinción puede ayudarte a generar riqueza. Hablamos sobre cómo aprovechar estratégicamente la deuda, especialmente a través de la inversión en bienes raíces, y desmitificamos el miedo a pedir préstamos.

Temas que discutimos:
El estigma de la deuda y cómo cambiar tu mentalidad sobre el dinero
Diferencias entre deuda buena vs. deuda mala (y cómo usarlas a tu favor)

 El impacto de la deuda de consumo en tus finanzas
Cómo pedir préstamos puede ayudarte a hacer crecer un negocio
Usar bienes raíces como estrategia para generar riqueza
Ventajas fiscales de invertir en bienes raíces
Cómo calcular el cash flow antes de comprar una propiedad
Por qué cambiar tu percepción sobre la deuda puede cambiar tu vida financiera
La importancia de la educación financiera y comunidad para crecer juntos

Escucha ahora y aprende a convertir la deuda en una herramienta para tu éxito financiero.

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Resources:

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Should you hire a property manager for your rental properties? My answer is yes! There are so many benefits of having a property manager versus managing the rentals yourself. 

In this episode I go over:

• What is a property manager? 
• The legalities of managing your own property
• Property Management fees
• The benefits of hiring a property manager
• How to find a good property manager
• Story of when I dealt with a tenant, that reinforced my decision to hire a property manager. 

Learn about my Rental Property Bootcamp

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Many small business owners often overlook how important bookkeeping is and leave it until tax season. However, bookkeeping is crucial to run a successful and profitable business. Yaremi from QB Numbers explains the importance of keeping books updated, distinguishing between roles of bookkeepers and accountants, and offers actionable advice on hiring and maintaining financial health.

In this episode we cover:
• Why bookkeeping is important for a profitable business
• What is the difference between a bookkeeper and accountant
• Consequences of neglecting bookkeeping
• Tips for DIY bookkeeping using spreadsheets
• When to seek professional bookkeeping help
• Importance of regular financial check-ins and meetings
• How to choose the right bookkeeper
• Advice for aspiring bookkeepers

You can find Remi at:

www.qbnumbers.com

IG: qb.numbers

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Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Es hora de que la comunidad latina aprenda cómo invertir y generar riqueza. Pero muchos no saben cómo crear un plan de inversión para empezar a invertir. Bueno, ¡estoy cambiando eso! En este episodio les doy el chisme sobre:

• Importancia de comprender su "por qué" al invertir 
• Cómo hacer un análisis de brechas de dónde quiere estar y dónde se encuentra ahora
• Opciones de inversión disponibles 
• Por qué debería invertir en desarrollar su educación financiera
• Precaución ante la volatilidad de las criptomonedas 
• Estrategias para automatizar inversiones 
• y mis lecciones aprendidas

EP73 Como Invertir en Bienes Raices

Transforma Tu Dinero (Libro)

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

It's time that the Latino Community learns how to invest and build wealth. But many don't know how to create an investment plan to start investing. Well I'm changing that! In this episode I am giving you the chisme on:

• Importance of understanding your "why" in investing 
• How to do a gap analysis of where you want to be and where you are now
• Investment options available 
• Why you should invest in building your financial literacy
• Caution against the volatility of cryptocurrency 
• Strategies for automating investments 
• and my lessons learned

Mentioned in the show:

PEW Research Study 

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Let's talk about the connection between self-care and financial wellness! Prioritizing personal well-being can lead to financial success. Rita Soledad, founder of Wealth Para Todos, discusses the often overlooked relationship between self-care and financial wellness. Rita shares her personal journey from a public school math teacher to a money and self-care coach after facing significant financial challenges. She introduces her 'Wealth Building Cycle' and 'Diverse Self Care' framework, emphasizing the importance of self-care practices in achieving financial security and early retirement.

Highlights of this episode!
• The connection between self-care and personal finance
• The wealth building cycle focusing on money mindset, literacy, and income
• Sol's concept of D.I.V.E.R.S.E Self-Care with its seven types
• Practical strategies for improving financial health through self-care

Connect with Rita Soledad:

Website: https://wealthparatodos.com/

Instagram: https://www.instagram.com/wealthparatodos/

LinkedIn: https://www.linkedin.com/in/wealthparatodos/

Podcast: https://open.spotify.com/playlist/53G8fklDJHmcRIPo7GW6Eu 

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

The new Trump Administration is going to negatively impact the Latino Community, especially financially. How can you prepare your finances to ride out Trump's policies? In this episode, I am joined by Lea Landaverde, founder of RQZA co, who shares her tips from her "Protect the Bag" guide.  It advocates for proactive measures such as establishing emergency funds, managing credit wisely, and engaging in estate planning to secure one's financial future.

We cover:
• Understanding the impact of political decisions on personal finance
• The importance of financial literacy in combating economic anxiety
• Essential steps for financial protection and preparing for uncertainty
• Building emergency funds as a safety net
• Importance for estate planning and legal protections for Latinos
• A call to action for financial empowerment through education

Get your copy of Protect the Bag Guide

Where to find Lea:
Instagram: LatinaWealthActivist
Website: www.riqueza.co

Lea Landaverde, also known as the Latina Wealth Activist, is a financial professional and creator with over 10 years of experience in wealth management, investment banking, and financial education. As the founder of Riqueza Collective, she created a platform where culture, community, and financial empowerment intersect.

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Finance Books to Start Your Journey

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Reframing the stigma around debt is important for breaking the cycle of shame and achieving financial freedom. Luzy King, CEO of Say Hola Wealth, shares her practical strategies to manage debt effectively, emphasizing personal growth and the need for investing in financial knowledge and community support, rather than solely focusing on frugality and expense-cutting.
Check out the Highlights of this episode!
• Luzy's journey from a challenging financial background to becoming a personal finance advocate 
• Overcoming the stigma of debt 
• Understanding debt types and repayment methods 
• Increasing income through personal skills and efforts 
• Investing in financial education and community support is essential for long-term wealth building

Connect with Luzy King:

Website: https://sayholawealth.com/

LinkedIn:https://www.linkedin.com/in/luzy-d-king-cpfi-mba-78b366b2/

Instagram:  https://www.instagram.com/sayholawealth/

Support the show

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Resources:

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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.