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  <title>David Y Dinero</title>

  <lastBuildDate>Mon, 09 Mar 2026 12:28:14 -0700</lastBuildDate>
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  <copyright>© 2026 David Y Dinero</copyright>
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  <itunes:author>David Y Dinero</itunes:author>
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  <description><![CDATA[<p>Follow my journey on early retirement, investing, purpose, health and fitness, kids and money, just to name a few.</p>]]></description>
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  <itunes:keywords>investing, gambling, how to invest, gambling vs investing, ,investing for minorities, investing for latinos, how mexicans can get rich, latinos path to wealth, simple path to wealth</itunes:keywords>
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    <itunes:name>David Y Dinero</itunes:name>
    <itunes:email>la.kings@gmail.com</itunes:email>
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     <title>David Y Dinero</title>
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  <itunes:category text="Education">
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    <itunes:title>Investing for your child&#39;s college education</itunes:title>
    <title>Investing for your child&#39;s college education</title>
    <itunes:summary><![CDATA[Send a text There are multiple ways to invest for higher education, I go through a few of the options here along with some article links if you'd like to dive deeper.   How to Save for Your Child's College Education: 8 Options https://money.usnews.com/money/personal-finance/articles/ways-to-save-for-your-childs-college-education  Coverdell Education Savings Accounts https://www.savingforcollege.com/coverdell-esas  Coverdell Education Savings Account (ESA) vs. 529 Plan: Which Is Right for...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>There are multiple ways to invest for higher education, I go through a few of the options here along with some article links if you&apos;d like to dive deeper. </p><p><br/>How to Save for Your Child&apos;s College Education: 8 Options<br/>https://money.usnews.com/money/personal-finance/articles/ways-to-save-for-your-childs-college-education<br/><br/>Coverdell Education Savings Accounts<br/>https://www.savingforcollege.com/coverdell-esas<br/><br/>Coverdell Education Savings Account (ESA) vs. 529 Plan: Which Is Right for You?<br/>https://www.savingforcollege.com/article/coverdell-esa-versus-529-plan<br/><br/>What to know about the new Trump accounts for kids<br/>https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html </p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>There are multiple ways to invest for higher education, I go through a few of the options here along with some article links if you&apos;d like to dive deeper. </p><p><br/>How to Save for Your Child&apos;s College Education: 8 Options<br/>https://money.usnews.com/money/personal-finance/articles/ways-to-save-for-your-childs-college-education<br/><br/>Coverdell Education Savings Accounts<br/>https://www.savingforcollege.com/coverdell-esas<br/><br/>Coverdell Education Savings Account (ESA) vs. 529 Plan: Which Is Right for You?<br/>https://www.savingforcollege.com/article/coverdell-esa-versus-529-plan<br/><br/>What to know about the new Trump accounts for kids<br/>https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html </p>]]></content:encoded>
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    <itunes:author>David Y Dinero</itunes:author>
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    <pubDate>Mon, 12 Jan 2026 00:00:00 -0800</pubDate>
    <itunes:duration>1699</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>6</itunes:episode>
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    <itunes:title>Scratchers vs Stocks update 01! 9/21/2025</itunes:title>
    <title>Scratchers vs Stocks update 01! 9/21/2025</title>
    <itunes:summary><![CDATA[Send a text Roughly 12ish months (give or take) since I started my experiment of investing in the stock market and buying lottery scratchers. What's a better "bet"? Can I convince you to start investing yet?  ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>Roughly 12ish months (give or take) since I started my experiment of investing in the stock market and buying lottery scratchers. What&apos;s a better &quot;bet&quot;? Can I convince you to start investing yet? </p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>Roughly 12ish months (give or take) since I started my experiment of investing in the stock market and buying lottery scratchers. What&apos;s a better &quot;bet&quot;? Can I convince you to start investing yet? </p>]]></content:encoded>
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    <itunes:author>David Y Dinero</itunes:author>
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    <pubDate>Sun, 21 Sep 2025 22:00:00 -0700</pubDate>
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    <itunes:duration>1071</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>5</itunes:episode>
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    <itunes:title>Episode 04 Dealing with Debt</itunes:title>
    <title>Episode 04 Dealing with Debt</title>
    <itunes:summary><![CDATA[Send a text  We can't invest money we don't have. In this video I talk about some way so tackle "bad debt".  ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p> We can&apos;t invest money we don&apos;t have. In this video I talk about some way so tackle &quot;bad debt&quot;. </p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p> We can&apos;t invest money we don&apos;t have. In this video I talk about some way so tackle &quot;bad debt&quot;. </p>]]></content:encoded>
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    <itunes:author>David Y Dinero</itunes:author>
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    <pubDate>Fri, 22 Aug 2025 11:00:00 -0700</pubDate>
    <itunes:duration>916</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>4</itunes:episode>
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    <itunes:title>Episode 03 Getting started with investment accounts</itunes:title>
    <title>Episode 03 Getting started with investment accounts</title>
    <itunes:summary><![CDATA[Send a text A quick primmer on some of the more popular/available investing options for W2 earners. This is a high level view to make sure you're off on the right foot of your investing journey.  Related links: https://davidbach.com/wp-content/uploads/2016/04/FinishRich_Compressed.pdf  Wealth 101 - Compound interest visualizer https://wealth.visualcapitalist.com/visualizing-power-compound-interest/  Self directed 401k for independent contractors/1099 employees https://smartasset.com/reti...]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>A quick primmer on some of the more popular/available investing options for W2 earners. This is a high level view to make sure you&apos;re off on the right foot of your investing journey. </p><p>Related links:<br/>https://davidbach.com/wp-content/uploads/2016/04/FinishRich_Compressed.pdf<br/><br/>Wealth 101 - Compound interest visualizer<br/>https://wealth.visualcapitalist.com/visualizing-power-compound-interest/<br/><br/>Self directed 401k for independent contractors/1099 employees<br/>https://smartasset.com/retirement/retirement-plans-for-independent-contractors</p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>A quick primmer on some of the more popular/available investing options for W2 earners. This is a high level view to make sure you&apos;re off on the right foot of your investing journey. </p><p>Related links:<br/>https://davidbach.com/wp-content/uploads/2016/04/FinishRich_Compressed.pdf<br/><br/>Wealth 101 - Compound interest visualizer<br/>https://wealth.visualcapitalist.com/visualizing-power-compound-interest/<br/><br/>Self directed 401k for independent contractors/1099 employees<br/>https://smartasset.com/retirement/retirement-plans-for-independent-contractors</p>]]></content:encoded>
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    <itunes:author>David Y Dinero</itunes:author>
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    <pubDate>Mon, 14 Jul 2025 20:00:00 -0700</pubDate>
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    <itunes:duration>991</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>3</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>Episode 02 David&#39;s money story</itunes:title>
    <title>Episode 02 David&#39;s money story</title>
    <itunes:summary><![CDATA[Send a text Just a little history on my growing up and the things I heard and "learned" about money. ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>Just a little history on my growing up and the things I heard and &quot;learned&quot; about money.</p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>Just a little history on my growing up and the things I heard and &quot;learned&quot; about money.</p>]]></content:encoded>
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    <itunes:author>David Y Dinero</itunes:author>
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    <pubDate>Mon, 09 Jun 2025 22:00:00 -0700</pubDate>
    <itunes:duration>1396</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>Episode 01 Week One of One Tweak a weak and more about me and my podcast.</itunes:title>
    <title>Episode 01 Week One of One Tweak a weak and more about me and my podcast.</title>
    <itunes:summary><![CDATA[Send a text Kick off episode after my introduction video, I start with my first tweak for 1 tweak a week.  One Tweak a weak and more about me and my podcast.  Smart Couples Finish Rich book  https://amzn.to/4jErZCp   Amante - Be My Delight  https://www.youtube.com/watch?v=iP9Ya3c8wy0 ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>Kick off episode after my introduction video, I start with my first tweak for 1 tweak a week.<br/><br/>One Tweak a weak and more about me and my podcast.<br/><br/>Smart Couples Finish Rich book<br/><br/>https://amzn.to/4jErZCp<br/><br/><br/>Amante - Be My Delight<br/><br/>https://www.youtube.com/watch?v=iP9Ya3c8wy0</p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>Kick off episode after my introduction video, I start with my first tweak for 1 tweak a week.<br/><br/>One Tweak a weak and more about me and my podcast.<br/><br/>Smart Couples Finish Rich book<br/><br/>https://amzn.to/4jErZCp<br/><br/><br/>Amante - Be My Delight<br/><br/>https://www.youtube.com/watch?v=iP9Ya3c8wy0</p>]]></content:encoded>
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    <itunes:author>David Y Dinero</itunes:author>
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    <pubDate>Fri, 07 Feb 2025 15:00:00 -0800</pubDate>
    <itunes:duration>657</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>1</itunes:episode>
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    <itunes:title>Introduction to David Y Dinero</itunes:title>
    <title>Introduction to David Y Dinero</title>
    <itunes:summary><![CDATA[Send a text A little about myself, what I want for this podcast, and some things that I have in work.  Link to the Afford Anything Podcast and the "Tweak a week" challenge bellow. Please subscribe for future episodes.   https://affordanything.com/570-the-compound-effect-of-52-tiny-financial-changes/  Download the tweak a week booklet.   affordanything.com/financialgoals  ]]></itunes:summary>
    <description><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>A little about myself, what I want for this podcast, and some things that I have in work.  Link to the Afford Anything Podcast and the &quot;Tweak a week&quot; challenge bellow. Please subscribe for future episodes. <br/><br/>https://affordanything.com/570-the-compound-effect-of-52-tiny-financial-changes/<br/><br/>Download the tweak a week booklet. <br/> affordanything.com/financialgoals </p>]]></description>
    <content:encoded><![CDATA[<p><a target="_blank" href="https://www.buzzsprout.com/twilio/text_messages/2444842/open_sms">Send a text</a></p><p>A little about myself, what I want for this podcast, and some things that I have in work.  Link to the Afford Anything Podcast and the &quot;Tweak a week&quot; challenge bellow. Please subscribe for future episodes. <br/><br/>https://affordanything.com/570-the-compound-effect-of-52-tiny-financial-changes/<br/><br/>Download the tweak a week booklet. <br/> affordanything.com/financialgoals </p>]]></content:encoded>
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    <itunes:author>David Y Dinero</itunes:author>
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    <pubDate>Tue, 21 Jan 2025 22:00:00 -0800</pubDate>
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    <itunes:duration>304</itunes:duration>
    <itunes:keywords>personal finance, fi, financial independence, investing, gambling</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>1</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
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