Yo Quiero Dinero

By now you've probably seen me post on social media that I sold my condo in Puerto Rico, and the reactions have been... a lot. So let's get into it. In this solo episode, I'm taking you behind the scenes of why I bought that condo right after my divorce, what it represented to me, and why — three and a half years later — I decided to let it go. This is not a "never sell real estate" episode. This is a "your life changes and so should your money moves" episode. We're talking numbers, we're talking mindset shifts around debt and leverage, and we're talking about what's next: a fixer-upper flip in Florida with my husband, and a bigger PR condo for our family. Grab a coffee (or a copa), this one's personal.WE DIVE INTO:02:20 – The origin story: buying the condo after my divorce06:59 – What the condo really represented — reclaiming my connection to the island09:17 – What changed: becoming a mom, remarrying, outgrowing the space11:39 – The HOA drama and why the condo stopped making sense13:56 – Let's talk numbers: what I paid vs. what I sold it for16:19 – The plan: flipping a fixer-upper in Florida with my husband18:45 – Reframing my relationship with debt21:04 – Why I'm financing the next PR condo instead of paying cash23:19 – The real lesson: alignment over accumulation25:42 – The emotional side of letting go28:00 – Where to find my PR real estate guide + money tools30:25 – Rich Mommy Retreat + how to stay connectedKEY TAKEAWAYS:→ Your financial decisions should evolve as your life does — what worked for single you might not work for married-with-a-baby you→ Selling an asset isn't automatically a bad money move — rich people reposition capital all the time→ Debt and leverage aren't the enemy. Used strategically, they let you preserve cash and acquire more assets→ Cash purchases give you flexibility and control (hello, fixer-upper flip); mortgages can be the smarter move when you want to preserve liquidity→ You don't owe anyone an explanation for your money moves — get around people who understand the visionRESOURCES:Jannese’s Instagram: https://www.instagram.com/yoquierodineropodcast/ Rich Mami Retreat: https://www.richmami.com/ FREE GUIDE: Buying Your First Property in PR: https://courses.yoquierodineropodcast.com/pr-real-estate TAKE THE NEXT STEP WITH YO QUIERO DINERO:📕 Get the book, Financially Lit!: https://financiallylitbook.com <p

This week Jannese sits down with executive coach, speaker, and author Diana Bernal to talk about something a lot of us never learned how to do: build a career on purpose instead of just falling into one.Diana is a first-gen success story who climbed the corporate ladder in nonprofit fundraising, hit "senior vice president" energy, and realized the corner office wasn't actually the goal. Now she coaches ambitious women through the exact roadmap she used to pivot, and she just released her book, Career with Intention. This conversation covers the signs you're autopiloting at work, why "loyalty" doesn't always pay off, how to give yourself permission to walk away from a degree (or a decade) without it being a waste, and how motherhood and marriage can completely reshape what ambition even means.WE GET INTO:01:32 Diana's first-gen story and career roadmap04:19 Redefining success beyond the corner office06:53 The false narrative of the corporate ladder09:36 Loyalty culture vs. career mobility09:45 What it means to build a career "with intention"13:15 Signs you're autopiloting at work15:12 Overcoming the sunk cost fallacy16:26 Key questions to ask before a career pivot18:36 Why high-achieving women struggle to own their value22:14 Cultural scripts Latinas face at work25:00 Testing the waters before quitting your 9-to-526:44 It's never too late to reinvent yourself30:22 How motherhood reshaped Diana's ambition31:26 A mindset shift that changed her life33:15 Breaking the breadwinner stereotype36:34 A journaling exercise for career clarity37:06 Advice to her younger self40:11 Where to find Diana and her bookKEY TAKEAWAYS:The clearest signs you're autopiloting at work — and why your boss already knowsHow to overcome the sunk cost fallacy around a degree or career you've outgrownDiana's 3-part framework for a career pivot: values, skills/interests, and placeWhy it's never too late to reinvent your career (Diana made her pivot in her 50s)Breaking the "man as breadwinner" script in marriageA simple journaling exercise to get career clarity fastCONNECT WITH DIANA:Get Diana's book, Career with Intention: https://bit.ly/4cp2EtuConnect with Diana on Instagram: https://www.instagram.com/diana.bernal.inc/Diana's website: https://www.dianainc.comTAKE THE NEXT STEPS:Join my Passive Profit workshop on July 28th: <a href="http://crowdcast.io/c/passiveprofit" rel="noopener nore

Let's talk about something a lot of us have been quietly researching — cosmetic procedures. Whether you've gone down a TikTok rabbit hole on facelifts or you're seriously considering something, the money side of this decision matters just as much as the medical side.In this episode, I'm joined by Dr. Ruslan Zhuravsky — board-certified facial plastic surgeon and founder of Z Face Plastic Surgery in Aventura, Florida — to break down the real economics of cosmetic surgery. We're talking about why bargain procedures can end up costing you way more in the long run, which procedures are actually worth the investment, and what to look for (and run from) when choosing a provider. This is the informed, empowered conversation you need before spending a single dollar on your face. Let's get into it.WE GET INTO:00:00 — Introduction: Why plastic surgery belongs on a personal finance podcast01:22 — Dr. Z's background: from art and architecture to facial surgery04:03 — Why he chose a boutique practice over high-volume centers05:23 — Building a practice from scratch: loans, word-of-mouth, and the grind08:07 — The economics of cosmetic procedures: price vs. value09:34 — The danger of over-filling: why "cheaper" treatments compound costs11:05 — Real patient story: years of med spa treatments vs. one surgical solution13:04 — How to evaluate if a quoted price is fair15:11 — Going abroad for surgery: real talk on risks and rewards17:31 — The three pillars of aging: laxity, volume loss, and skin changes20:48 — Where to invest first if you have a limited aesthetic budget22:44 — Botox 101: cost, longevity, and what can go wrong24:46 — Med spas vs. surgical practices: what's actually different26:52 — Skincare myths and social media trends to be skeptical about28:22 — Retinol: is it worth the hype?29:45 — Best long-term value procedures vs. worst investments36:27 — Facelifts and Ozempic face: what GLP-1 users need to know36:55 — The honest surgeon test: red flags to watch for in consultations39:05 — What a good consultation actually looks like41:13 — When the right answer is NOT to have surgery43:11 — How to verify credentials and board certifications46:18 — Dr. Z's money lesson: let your money work for youKEY TAKEAWAYS:– Cheap treatments aren't just less effective — they can make future surgery harder and more expensive– The three pillars of aging are laxity, volume loss, and skin changes — each requires a different solution– Board certification is the bare minimum, not the finish line — do your research beyond that– Rhinoplasty is often the best long-term investment because a quality one is one and done– Neck liposuction and buccal fat removal are frequently bad investments — most patients don't actually need them– Good consultations take

Today's episode is basically my love language: multiple income streams. I'm joined by Meghan Lim, AKA Meghan Makes Money, who went from a $78K corporate finance job to building a six-figure creator business with 160K+ followers, all in about two and a half years. We're talking side hustles, affiliate marketing, brand deals, pricing your worth, and why "selling" isn't a dirty word.WE GET INTO: 00:00 Intro: Meghan's journey from corporate finance to content creator00:49 Meghan's origin story: childhood side hustles and the layoff that changed everything03:48 Money messages from a Filipina immigrant household05:38 Switching her major to finance (and why it didn't teach her personal finance)07:30 Stepping into the creator economy as a Gen Z creator11:47 The viral paycheck breakdown video that changed everything13:07 Side hustles worth your time (and which ones are a scam)17:05 How Meghan actually makes money now: affiliates, brand deals, coaching18:45 The disconnect between followers and revenue21:45 What to have in place before pitching brands25:49 Favorite underrated monetization method: affiliate marketing29:33 How content creation has changed Meghan's life (six figures, comped trips, free LASIK)32:35 The Cartier ring story: rewarding yourself and abundance mindset36:48 Navigating the pressure to choose stability over risk38:18 Redefining success after leaving corporate39:55 Biggest financial mistake (and the lesson behind it)42:14 The #1 skill every creator needs to learn42:46 What's next for Meghan Makes Money44:20 Final advice: you don't need permission to make moneyKEY TAKEAWAYS: Multiple income streams beat relying on one (especially brand deals, which can be inconsistent)You don't need to be "the expert" or already have results to start sharing your journeyDocumenting > performing — people want to follow along, not just see the finished productReframe selling as serving: your product or service genuinely helps someoneIt takes 14-17 touchpoints before someone takes action, so don't be afraid to repeat yourselfAffiliate marketing in the finance niche is one of the most underrated income streamsReward yourself for milestones — it's not just about ROI, it's about breaking scarcity mindsetSurround yourself with people doing what you want to do; proximity changes your mindsetCONNECT WITH MEGHAN:Meghan's Instagram: @meghanmakesmoneyMeghan's Website: https://www.skool.com/money-makers-circle-8363TAKE THE NEXT STEP:</p

The Guardian recently featured my plan for how I'm raising my toddler to become a millionaire and it got me fired up about something I've been sitting on for a while. Today I'm calling out the financial patterns that Latino parents normalize that are actually keeping our community from building real wealth. I'm not talking about our elders who came here with nothing and survived on grit. I'm talking to us — the millennial parents with smartphones, podcasts, and investing apps at our fingertips — who still aren't doing enough differently. We'll talk about why spending $20K on a quince but skipping the 529 is a problem, why your child is NOT your retirement plan, and the five mindset shifts that need to happen so we can stop breaking generational cycles and start building generational wealth.This is a tough love episode, mi gente, but I think you're ready for it.WE GET INTO:00:24 The Guardian feature + Jannese's toddler wealth plan02:53 Who this episode IS (and isn't) for04:18 Problem #1: Spending on appearances, skipping financial foundations06:03 Problem #2: Treating your children like a retirement plan08:01 Problem #3: Preaching education without a financial plan for it10:30 College vs. retirement — why you must always choose retirement14:07 Problem #4: Shaming kids for wanting more16:12 Problem #5: Dismissing financial tools as "too much" for kids18:30 When it's not that there's no money — it's that there's no mission19:20 Action steps for Latino parents (talk about money earlier, stop saying you don't know)20:32 Action step: Open the accounts — 529, brokerage, Roth IRA20:44 Action step: Redirect family gifts to the college fund21:50 Action step: Plan for your own retirement + money tools resource23:45 The $4 trillion spending power problem — and what we need to build instead24:49 The vision: celebrate AND invest26:44 Closing + how to get The Guardian article27:23 Outro — Stay PoderosaKEY TAKEAWAYS:Spending on appearances while skipping financial foundations isn't tradition — it's a decisionYour child is not your 401k, your emergency fund, or your exit strategyPreaching education without a financial plan for it is setting your kids up to drown in student loan debtIf you have to choose between saving for college or retirement, choose retirement — every single timeWanting more does not make you ungrateful. Sometimes it's how you honor where you came fromSilence is the most expensive thing you can give your children when it comes to moneyThe most generous gift you can give your child is a financially free parentRead: A finance podcaster plans to make her daughter a mil

Earlier this year, I posted a question on Instagram asking Latinas making over $200K what they do — and the answers revealed something that most people in personal finance aren't willing to say out loud: you cannot build wealth on a median income when the cost of just existing has gone through the roof. In this solo episode, I'm breaking down why traditional money advice keeps failing us, what high earners actually have in common, and why your problem isn't discipline — it's your strategy.WE GET INTO:00:00 Introduction to Financial Realities02:42 Understanding Income Limitations05:58 The Path to High Earnings08:47 The Disconnect in Personal Finance11:53 The Rise of Latina Entrepreneurs14:48 Reevaluating Job Security and Income17:55 Strategies for Financial FreedomKEY TAKEAWAYS:Most people cannot build financial freedom on $65K/year — not because they're doing something wrong, but because the math literally doesn't work when cost of living is this high.High earners are either in high-level leadership or ownership. That's it.Jobs are tools, not automatic wealth-building vehicles. Your employer controls your ceiling.A paycheck is predictable. Entrepreneurship is scalable.The only difference between a job and a business is the middleman selling your skill set.Your income problem won't be solved by better budgeting — it requires a strategy shift.TAKE THE NEXT STEP:Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with JanneseThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

What does it actually look like to not become a statistic? Dr. Xochilt Alamillo — Chicana therapist, PhD, business coach, podcast host, and retreat creator — is the living proof. She grew up in Compton, moved to Colorado as a teenager and experienced full-on culture shock, fell into the wrong crowd, and ended up with a criminal record by 20. Fast forward through community college, side hustles, three kids, and a whole lot of tunnel vision: she became the Latina therapist she couldn't find when she needed one most. In this episode, Dr. Xochilt and Jannese get into ALL of it — bicultural stress, emotional neglect in Latino families, what healing actually looks like (spoiler: it's not the cute Instagram version), survivor guilt as a first-gen cycle breaker, and how she built multiple income streams as a therapist while everyone in her field was taking a so-called vow of poverty.WE GET INTO: 00:00 – Welcome and Intro: Meet Dr. Xochilt Alamillo02:02 – Growing Up in Compton: Not Knowing What You Don't Know04:22 – Culture Shock, the Wrong Crowd, and a Criminal Record08:25 – Becoming the Latina Therapist She Couldn't Find10:24 – First-Gen Resilience and Why It Can Also Hurt You11:00 – The Biggest Mental Health Struggles Latinas Carry in Silence12:31 – When "Being Strong" Becomes Self-Abandonment14:05 – Bicultural Stress: Not Latino Enough, Not American Enough19:52 – Emotional Neglect: The Harm We Normalize in Latino Families24:53 – What Healing Actually Looks Like (It's a Process, Not a Glow-Up)29:04 – Survivor Guilt and the Weight of Being the Enlightened One34:37 – Navigating Family Expectations vs. Your Ideal Life36:45 – Why Finding Your People Is Non-Negotiable37:45 – Debunking Therapy Stigma in the Latino Community43:32 – Dr. Xochilt's Entrepreneurial Journey as a Therapist47:46 – Hosting Latina-Only Healing Retreats (Including One in Oaxaca!)51:22 – The First Step Out of Survival ModeKEY TAKEWAYS:Being rejected by both your culture and mainstream America has serious mental health consequences, and you didn't make it up.Anxiety in Latinas isn't just personal worry. It's your whole family's future sitting on your chest, and the weight is not yours alone to carry.Emotional neglect is one of the most normalized (and damaging) patterns in Latino households. Naming it isn't talking trash on your cultura but the first step to changing it.Healing is not a cute Instagram journey. It hurts. But the goal isn't a pain-free life, it's being equipped to handle whatever comes your way.Survivor guilt is real when you're the first to "make it out." Surrounding yourself with people who get it is how you stay grounded.Therapy doesn't have to look like a couch and a notepad. It's a conversation with someone who has no skin in the game.When therapy

What does your financial plan look like when the traditional script doesn't apply to you? In this episode, I'm sitting down with Bri Conn, CERTIFIED FINANCIAL PLANNER® and co-host of the Child-Free Life by Design podcast, to break down everything child-free people need to know about building wealth, planning for the future, and defining legacy on their own terms. If you've ever been asked "but who's going to take care of you when you're old?" — this episode is for you.WE GET INTO:0:00 – Welcome + Jannese's personal journey with child-free financial planning0:57 – Introducing Bri Conn: CFP® serving the child-free community1:11 – How Bri accidentally fell into child-free financial planning4:04 – Who is actually seeking child-free financial planning (hint: it's not who you think)5:14 – What traditional financial advice gets wrong for child-free people7:09 – Redefining legacy when children aren't part of the equation9:06 – Navigating cultural expectations around family obligation and caregiving11:30 – Estate planning without default heirs — and why Child-Free Trust exists13:56 – Busting the myth: do child-free people automatically have more money?17:02 – Long-term care planning: who's actually going to take care of you?20:42 – Life insurance: do child-free folks even need it?22:29 – Building your "bench" of decision-makers (healthcare proxy + POA)24:34 – How to find a financial planner who actually gets it26:18 – What happens if you die or become incapacitated without an estate plan29:05 – FIRE vs. FILE: Financial Independence Live Early34:41 – Myth-busting: the worst financial advice child-free people always get36:44 – The one traditional money milestone you have permission to skip40:41 – What wealth actually means when you're child-free43:01 – Permission to want freedom and happiness — fully and unapologeticallyKEY TAKEAWAYS: The single most important question child-free people need to answer: Do you care how much money you leave behind when you die? Your entire financial plan changes based on your answer.Legacy doesn't require children. It can look like a garden that inspires strangers, a community you've poured into, or friendships you've built with intention.You are NOT the default family ATM just because you don't have kids.Long-term care currently costs ~$129,000/year and is rising 5% annually. Women average 3.7 years of care. This is not a plan-later situation.If you don't have estate documents in place, the state decides who makes decisions for you — and that could be someone you're estranged from or have never met.FIRE = grind now, quit later. FILE (Financial Independence Live Early) = redesign work now so you can enjoy life soonerHomeownership is not a mandatory financial milestone, Renting can absolutely

She beat Bobby Flay with her Abuela's Arroz con Pollo. She trained under Wolfgang Puck, Thomas Keller, and José Andrés. She was a Hell's Kitchen finalist. And then she walked away from all of it to build a career entirely on her own terms.Chef Mia Castro is a Puerto Rican chef, cookbook author, food influencer, and TV personality, and her debut cookbook, Cocina Puerto Rico: Recipes from My Abuela's Kitchen to Yours, is already making waves. We're sitting down to talk about her full journey: from her Abuela's kitchen in San Juan to elite restaurant kitchens across Vegas, Miami, and New York, to the 6-year road it took to get this book published.We're talking about first-gen pressure, being the only woman in the room, hiding your identity to fit in, COVID FaceTime calls that accidentally created a cookbook, building a personal brand as a chef, what success actually looks like when you stop chasing the dream someone else gave you — and the dish that beat Bobby Flay.This one hit close to home for me. You know I started my whole digital career as a Puerto Rican food blogger. Having Chef Mia in this conversation was a full circle moment.WE GET INTO:00:01 — Intro + Chef Mia Castro00:50 — What makes Puerto Rican cuisine one of a kind01:57 — The responsibility of writing Cocina Puerto Rico03:32 — What Abuela taught her that had nothing to do with food04:26 — Growing up in la cocina (homework could wait)07:21 — First-gen pressure and choosing passion over the "safe" path08:06 — Starting as a prep cook: the real culinary hustle10:27 — Being the only woman in elite kitchens13:07 — Feeling pressure to hide her Boricua identity in professional spaces14:51 — Reclaiming Puerto Rican food — all the way to fine dining16:25 — Leaving restaurants and carving her own lane18:46 — How COVID + FaceTime with Abuela created Cocina Puerto Rico22:16 — Beating Bobby Flay with Abuela's Arroz con Pollo26:30 — Modernizing recipes for the diaspora without losing the soul29:02 — The 6-year battle to get a Puerto Rican cookbook published32:39 — The recipe that made her emotional: las cremitas34:42 — Shooting the entire book at Abuela's house in PR36:27 — Personal branding advice: treat it like a portfolio37:54 — There is no luck. There is only preparation.40:16 — Behind the scenes of Hell's Kitchen + Chopped43:27 — Success redefined: from Michelin star dreams to time freedom47:49 — The legacy she hopes Cocina Puerto Rico leaves49:06 — The first dish to make from the book (and why it beat Bobby Flay)52:37 — Where to find Chef Mia53:00 — OutroKEY TAKEAWAYSStaying humble and open to learning, at any age, is what keeps you from going stale. Abuela is still asking Mia how to cook things at 90. That's the growth mindset right there.Y

If you've ever fantasized about packing up your life, leaving the US, and actually doing the damn thing — this episode is your sign. I'm sitting down with Alicia Sanchez, founder of Felicita & Faustina studio shop, marketing expert with 20+ years in the game (American Express, ESPN, Klaviyo — the girl's got credentials), and now a full-time entrepreneur living her best life in Southern Spain with her wife and six-year-old daughter. She bought a house. In cash. For under $70K. And she wants you to know it's more doable than you think.We get into the real — not the Instagram-filtered version. The financial planning, the digital nomad visa process, what attorneys actually cost (hint: not $10K), the tax reality, and why the thing that changed her life the most wasn't the house or the visa. It was watching her daughter have a childhood. This one's going to make you ask yourself: what's really keeping you?WE GET INTO: 00:38 — Intro: Alicia's back + why this episode exists03:07 — Who was Alicia before all of this?05:23 — What her Dominican grandmothers taught her about money09:03 — Why she said "hell no" to corporate10:35 — Build your business before you quit11:13 — Why corporate stability is a lie15:05 — Why Spain (she lived there before)17:11 — The decision: February 202518:23 — The timeline: pods, visa, house20:41 — Financial planning behind the move22:06 — Buying a house in cash under $70K24:50 — Digital nomad visa explained27:07 — Biggest misconceptions about Spain30:08 — What attorneys actually cost (not $10K)33:07 — Bringing family on your visa34:25 — Documentation you need to qualify36:22 — The tax reality40:50 — How their daughter's life transformed42:33 — What's really keeping you?KEY TAKEAWAYS:Don't wait to quit before you start building — start now, quietly, while you're still employedCorporate "stability" is a mask. You can be laid off tomorrow. Build income outside your W-2The digital nomad visa: apply in Spain (not the US) and get 3 years instead of 1You do NOT need to spend $10K to get your visa. The government fee is set. Be an educated consumerAs a Latino/a, after 2 years on the digital nomad visa, you can switch to permanent residency through your lineageFor the digital nomad visa, max 20% of your income can come from Spain — the rest must come from outside the countryClean, consistent bookkeeping and invoices are your best friend when applyingA 5-bedroom home in Southern Spain — bought in cash, under $70K. Eliminating a mortgage changes everythingSpain does a quarterly tax system. Know this before you goThe lifestyle shift is real. No active shooter drills. No metal detectors. Their daughter just went on a museum field tripYou are one decision away from

If the word "credit" makes you want to hide under the covers, this episode is for you, mi gente. I'm sitting down with Carol Pope — personal finance writer and author of Credit 101 — to break down everything you need to know about building credit from scratch, paying down debt, and protecting your score. No shame, no judgment, just an honest conversation. Carol and I have almost identical money origin stories. Neither of us learned a damn thing about credit growing up. Now we're both on a mission to make sure you don't have to learn the hard way like we did.WE GET INTO:00:02 — Intro + Jannese's credit origin story01:58 — What Carol's book Credit 101 covers02:17 — Carol's money story growing up03:22 — The moment Carol realized she had to figure this out ASAP05:04 — Cost of living + why this conversation is so timely06:41 — What is a credit score and why does it matter?07:59 — How your credit affects your job, apartment, utilities, and more09:44 — The 5 factors of your credit score, broken down12:29 — The myth: does carrying a balance help your credit? (Spoiler: no)13:30 — Building credit from zero: secured credit cards explained15:19 — Authorized users: pros, cons, and warnings17:01 — How long does it realistically take to build good credit?18:09 — Using credit cards as a lifeline vs. as a tool22:07 — Buy Now Pay Later: what you actually need to know24:33 — Already in credit card debt? Here's where to start27:59 — Snowball vs. Avalanche: which debt payoff method wins?29:05 — Balance transfers: when they work and when they don't30:10 — The biggest auto loan financing mistakes people make33:12 — Buy here, pay here car lots — what you need to know35:22 — The 14-day rate shopping window that protects your credit36:22 — Credit fraud: the most common scams to watch for39:51 — Should you freeze your credit? (Yes. 24/7.)41:45 — You can also freeze your Social Security number — here's how44:49 — Debt as leverage, not shame47:08 — Where to find Carol and grab the bookKEY TAKEAWAYS: What your credit score actually is — and why it controls more of your life than you thinkThe 5 factors that make up your score (and which one matters most)How to build credit from scratch the right wayThe big myth about carrying a credit card balance — please stop doing thisBuy Now Pay Later: what nobody's telling you about how it worksWhere to start when you're already drowning in credit card debtThe debt payoff method Carol personally usesHow to shop for auto loans without tanking your scoreWhy Carol says you should have your credit frozen 24/7A credit protection move most people don't know about: you can freeze your Social Security numberCONNECT WITH

You know the good girl. She follows the rules, makes everybody proud, does everything she's supposed to do. She is me, and I have a feeling she might be you too. This episode was inspired by a recent keynote I gave in California, and I'm bringing it to the podcast because we don't talk about this enough: what it actually costs you to keep playing by everyone else's rules. We're going deep on the cultural conditioning that keeps women — especially Latinas — playing small, the moment I got laid off at 27 and felt relief instead of grief, and the solo trip to Puerto Rico that completely rearranged my life.If you've ever felt the tension between who you are and who you've been expected to be, this one is for you.WE GET INTO:The question you need to sit with: has your ambition ever felt like too much?Growing up in a Latino household where stability was the whole planGetting laid off at 27 — and why it felt like freedom, not failureWhy entrepreneurship doesn't fit our cultural script (and why that's okay)The conditioning that keeps women dimming their lightThe lie we keep getting fed: that wanting more is selfishMy solo trip to Puerto Rico and the question that changed everythingChoosing alignment over approval — and what that actually looks likeWhy being the first also means being the blueprintKEY TAKEAWAYS:Security is an illusion. Jobs are not guaranteed — so if nothing's guaranteed anyway, why are you playing small?Your visibility is not arrogance. It is leadership. Full stop.When women make money, everything changes. Ambition isn't selfish — it's the most generous thing you can do.The people questioning you aren't villains. They're just scared. Their definition of success was built around survival.Stop asking "what should I do?" Start asking "what would my life look like if I actually trusted myself?"If you're the first, you're also the blueprint.TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

What does it actually take to step into your power? In this episode, I'm sitting down with Alexis Meruelo — second-generation Cuban-American business leader, founder of the Business of Her conference, and author of the brand new book Getting You Ready for Power — to talk about the real, messy, beautiful process of finding your purpose and owning it unapologetically. We're getting into her family's entrepreneurial roots, why she spent six months with a career coach just to answer one question, the concept of "business karma," and why more women need to stop self-rejecting before they even ask. This one is packed, mi gente. Let's get into it.WE GET INTO:00:00 — Introduction00:26 — Alexis's background and family entrepreneurial roots02:01 — La Pizza Loca, Sahara Las Vegas, and the Cuban immigrant hustle04:02 — Pain, rejection, and hitting a wall in her 20s05:00 — Hiring her first career coach and betting on herself07:25 — Redefining success without the ring or the kids10:03 — How to deal with your Latino family's opinions12:03 — Living in alignment and the new generation of young women13:41 — The mentorship gap and why we self-reject before we even ask19:21 — Business karma explained22:25 — Her role at the Meruelo Group and CSR work24:32 — Career reinvention: nothing is ever wasted27:37 — Launching the Business of Her conference32:05 — Getting You Ready for Power — the book and the three-phase framework34:52 — Final message: you are ready, do it scaredKEY TAKEAWAYS:The best investment you'll ever make is in yourself. Alexis hired her first career coach at her lowest point and it changed everything.Define success on your own terms. The ring, the kids, the "right" career path — none of it matters if it's not your vision.Your Latino family will have opinions. Let them talk, then go do your thing anyway.We reject ourselves before anyone else gets the chance. Don't say no for a potential mentor — let them say it. Most women never ask, and that's why most women never have one.Business karma is real. Lift other women, support other businesses, and it always comes back. The crabs-in-a-barrel mentality only keeps you small.Nothing is ever wasted. Every year in the wrong job still made you better. You can pivot at any age, any stage.Life goes in phases. Your purpose doesn't have to be your paycheck right now — and "not yet" is not the same as never.Believe in yourself. Build your team. Rise to lead. That's the three-phase framework — and it starts with doing the inner work first.You are already ready. Do it scared, and do it in baby steps.CONNECT WITH ALEXIS:Alexis' Website <a href="https://busines

She built a women-only party empire that makes six figures as a side hustle, got herself onto the team that created the Bad Bunny Super Bowl halftime show field team through sheer hustle and genuine relationships, and did it all while juggling a corporate job and navigating a health diagnosis doctors ignored for years. Delilah Dee is back on Yo Quiero Dinero this week and she brought EVERYTHING. We're talking real revenue numbers for her event planning business, the Bad Bunny behind-the-scenes tea, fibroids and fighting for your health as a Black or brown woman, and the financial literacy lesson she wishes someone had taught her earlier.WE GET INTO:00:29 – What is Jefatona? The elevator pitch03:02 – Growing up with a hustle mentality (shoutout to mom)05:27 – How she got hired at iHeart with no corporate background08:00 – Getting furloughed during COVID and pivoting to virtual events11:11 – Launching Jefatona & selling out a club in 24 hours11:32 – Revenue breakdown: how parties actually pay16:09 – Multiple income streams + negotiating Fridays off17:15 – The real numbers: $60K year one, six figures by year two24:12 – Walking away from the startup that didn't align29:54 – How she got onto the Bad Bunny Super Bowl field team37:32 – Behind the scenes of halftime show production43:00 – The dress rehearsal that made her cry48:07 – The fibroid diagnosis and advocating for your health54:43 – What she wishes she knew: financial literacy56:10 – Where to find Delilah + JefatonaKEY TAKEAWAYS: You don't need the perfect resume to get into the room,  you need to know your value and be able to speak to it with confidence. \Referrals are the most underrated growth strategy in business. Do great work, treat people right, and let the recommendations do the marketing for you.You can make real money in the events business — but you need to understand how the money actually flows.Walking away from money that doesn't align with your values is one of the hardest and most necessary things you'll do as an entrepreneur. Getting onto the Bad Bunny Super Bowl halftime show field team wasn't luck but years of genuine relationship-building paying off at exactly the right moment.Financial literacy isn't just for people who already have money, it's especially critical when the money starts flowing in. If you're building something real, get financially literate before the money arrives, not after.Black and brown women are disproportionately affected by fibroids and disproportionately dismissed when they report symptoms. If something feels off in your body, advocate for yourself. CONNECT WITH DELILAH:Jefatona <a href="https://www.instagr

She's back and she brought receipts!Tiffany "The Budgetnista" Aliche is one of the most iconic voices in personal finance, and if you missed her first episode on YQD, it became the highest-watched episode in the show's history. Dead ass. So yeah, we had to bring her back. This time, Tiffany is opening up about EVERYTHING — from the $35,000 scam that left her broke and sleeping on her sister's couch, to building an eight-figure net worth, to why she's still learning how to stop giving her money away to people who didn't even ask for it. She also drops the full framework from her bestselling book Get Good With Money, now available in paperback, and why that book hits differently after everything she's been through personally. If you've ever felt like financial wellness was something that happened to other people, this episode is going to shift that for you.WE GET INTO: 00:00 – Welcome Back, Budgetnista: Why This Episode Is Already a Classic03:06 – From Stuffed Animals to Preschoolers to Millions: Little Tiffany's Origin Story06:52 – Tiffany's Financial Fiasco: The $35K Scam (Meet Jake the Thief)12:25 – Why Shame Has Zero Business Being in Personal Finance13:20 – The Budgetnista Law: Making Financial Education Mandatory in NJ Schools15:14 – The "Just Cut Back" Myth: What Getting Good With Money Actually Looks Like17:09 – Your Budget Is a "Say Yes Plan" — And You Cannot Budget Your Way to Wealth21:22 – Charging Your Worth: Why Women Leave Millions on the Table24:35 – Wealth Guilt & Giving: When Generosity Becomes Self-Sabotage33:08 – The 10 Pillars of Financial Wholeness: From Managing Money to Building Legacy36:16 – Estate Planning Isn't Morbid — It's Love: What Tiffany Learned After Losing Her Husband43:04 – Prenups, Partnerships & Building Wealth With the Right Person49:06 – Dating After Loss: Why Financial Compatibility Is Non-Negotiable52:38 – Get Good With Money Paperback: Why It Hits Even Harder NowKEY TAKEAWAYS:Your budget isn't a restriction — it's your "say yes plan." It's there to keep you financially safe so you can say yes to the things that matter.You cannot budget your way to wealth. Learning to earn is the single most transformative financial move you can make.Debt freedom is a goal you can pick up along the way. It is NOT the finish line. Wealth is.The 10 pillars of financial wholeness: budgeting, savings, debt, credit, learning to earn (the foundational five) → investing, insurance, financial team, net worth, and estate planning (the growth and protection five).Wealth guilt is real — and giving money away before you've even asked if someone needs it is about you, not them.The right financial partner doesn't have to match your income. They have to know how to provide for someone who doesn't need it in the traditional sense.<li

You've probably seen the late-night gold commercials and immediately changed the channel. Same. But here's the thing — what if that reaction is exactly what the banks, financial advisors, and the government want from you?In this episode, I'm sitting down with Brandon Thor, CEO and founder of Thor Metals Group, to break down why precious metals investing isn't just for doomsday preppers — and why less than half of 1% of people invest in gold despite it being mentioned in the Bible 431 times. The gatekeeping is real, mi gente, and we're pulling back the curtain.We get into what a self-directed IRA actually is, how physical gold is different from buying GLD in your Fidelity account, and why central banks all over the world are hoarding this stuff while the rest of us sleep on it. Whether you have $20K sitting in a savings account doing nothing or you're just curious about diversifying beyond stocks and bonds, this episode is going to break your brain — in the best way.WE GET INTO:01:46 — What is a precious metals IRA (in plain English)? 02:41 — Self-directed IRA vs. traditional & Roth IRAs04:05 — Paper gold (GLD) vs. physical gold: the counterparty risk nobody talks about05:09 — Who should actually be investing in precious metals?07:25 — Why gold has a bad reputation (hint: it's intentional)09:19 — How long does the setup process take?10:26 — Where does the gold actually go?11:58 — Pros, cons, and the right time horizon for precious metals13:17 — How to think about returns (spoiler: it's not like dividend stocks)14:45 — Why gold prices dipped during economic instability16:04 — Red flags: how to choose a legit precious metals company17:39 — Yes, Costco sells gold. Is it worth it?19:46 — Dollar cost averaging vs. lump sum in precious metals21:22 — Why so few people invest despite gold's 5,000-year track record24:54 — First steps for the curious but hesitant investor25:45 — The 10-year outlook for gold and silver28:12 — Gold: the secret investment hiding in plain sight32:00 — What financial freedom means to Brandon 34:18 — Where to connect with Thor Metals GroupKEY TAKEAWAYS: A "gold IRA" is really a self-directed IRA — a specific account type that lets you own alternative assets like physical gold, silver, and real estate instead of just stocks and bonds.Physical gold eliminates counterparty risk. When you own GLD or another paper version, you're trusting a bank. If that bank fails? You're holding worthless paper. Physical gold is yours, full stop.The reason most people don't know about precious metals investing isn't an accident. Banks, financial advisors, and the government all benefit from you not having your money in gold. Follow the money.You don't need a ton to get started, but Brandon's sweet spot recommen

¡Hola mi gente! If buying a home has felt like a dream that wasn't built for people like you — this episode is going to change that.Today I'm sitting down with Josie White, Home Lending Advisor at Chase Home Lending, who has spent 15 years helping people navigate the mortgage process and 30 years in banking. She's bilingual, she's been in the trenches with buyers at every income level, and she is here to tell you the truth about what it actually takes to buy a home in 2026.We're busting the biggest myths: the 20% down payment (nope, not required), the "perfect credit score" (also not required), and the idea that being self-employed or having limited savings means it's not possible for you (also not true — with some asterisks).WE GET INTO: 00:00 - Intro: Homeownership for First-Gen Latinos (Sponsored by Chase Home Lending)01:44 - Josie's Role at Chase and 15 Years in Home Lending02:47 - How Today's Buyers Are Different From Your Parents' Generation04:12 - Jannese's Real Estate Journey: From One Property to Two (and Counting)05:19 - The Biggest Mistake Buyers Make: Don't Assume Before You Ask06:38 - What You Actually Need to Know About Qualifying for a Mortgage07:59 - What If I Don't Have 20% Down? Your Real Options09:04 - Pre-Qualification vs. Pre-Approval: What's the Difference?11:16 - Buy Based on Your Current Finances, Not What You Hope For12:16 - How Chase Helps Buyers Who Feel Intimidated By the Process14:29 - DreaMaker Mortgage and Low-to-Moderate Income Lending Programs15:51 - The Free Credit Journey Tool and the Perfect Credit Score Myth17:10 - A Cautionary Tale for Self-Employed Buyers19:13 - Fixed Rate vs. Adjustable Rate Mortgages Explained21:05 - FHA vs. VA vs. Conventional Loans: What's the Difference?23:13 - How Jannese's Dad Bought His Home With a VA Loan24:01 - Multi-Generational and Co-Buying Arrangements25:19 - How to Strengthen Your Financial Profile Before You Buy26:44 - Mindset for Navigating Today's Housing Market28:42 - How to Take the First Step With Chase Home Lending29:59 - Outro and Final ThoughtsKEY TAKEAWAYS:The real difference between pre-qualification and pre-approval (and why it matters)Chase's DreamMaker Mortgage and homebuyer grants of up to $5,000 that don't have to be repaidHow your credit score actually affects your interest rate — and Chase's free Credit Journey tool to help you improve itDocumentation you need to have ready (especially if you're self-employed)Fixed rate vs. adjustable rate mortgages — and which one is right for your situationFHA, VA, and conventional loans broken down simplyMulti-generational and co-buying arrangements that more families are using to get into the marketEPISODE RESOURCES:<

She was literally born the day her mother landed in the US — and that energy of showing up and figuring it out has followed Steph Michelle Pimentel her entire life.In this episode, I'm sitting down with Stephanie Pimentel, a Dominican American executive and the founder of Lumena Global, whose work sits at the intersection of cross-border leadership, people strategy, and cultural intelligence. She spent 17 years in corporate — starting as an HR coordinator at $11.75 an hour and climbing all the way to the executive level — only to discover that being invited into the room is not the same thing as having real power in it. We are talking about the "fake seat at the table," what it actually means to be an asset that companies exploit without compensating, why US businesses keep fumbling Latino and Latam markets, and why with AI handing you every tool you need, there has never been a better time to say f*ck corporate and build your own table. Stephanie is also giving YQD listeners a free 15-minute strategy call — no charge, no catch. You need to take her up on it.WE GET INTO:0:00 - Intro: Born the Day Her Mother Landed in the US1:06 - Growing Up Dominican & the "Work, Work, Work" Mentality2:31 - 17 Years in Corporate Starting at $11.75/Hour4:19 - The Fake Seat at the Table Explained9:00 - Battling Imposter Syndrome When You're Losing Your Job10:41 - Why AI Makes Right Now the Best Time to Ditch Corporate11:44 - The $4.1 Trillion Latino Market (We Are Not a Niche)15:02 - How US Companies Fumble Latin American Expansion24:31 - Stephanie's Entrepreneurial Journey: Failures, LLCs & Rock Bottom34:57 - Free Strategy Call + How to Work With StephanieKEY TAKEAWAYS:Being invited into the room is not the same as having real power in itCultural intelligence isn't a soft skill — it's risk managementThe US Latino GDP is $4.1 trillion. We are not a niche. We are the market.US companies lose money in Latam because they treat it as cheap labor instead of a talent engineYou don't need to wait until you hit rock bottom to start building — start before you're readyRESOURCES MENTIONED:Lumena GlobalBook Your FREE Strategy CallCONNECT WITH STEPHANIE:Instagram TAKE THE NEXT STEP:Yo Quiero Dinero Private Membership<a href="https://financiallylitbook.com/" rel="noopener noreferrer" tar

She was one of the baddies who showed up on this show back in 2021 — and four years later, Vanessa Wachtmeister is back and she is NOT the same woman. She's paid off $130,000 in debt, earned her German passport, and is about to launch her second tech startup. And she did all of it from Europe, where blueberries cost a dollar and a minor surgery runs you 300 euro — total.In this episode, Vanessa and I are getting into ALL of it: what it actually looks like to build a career, a business, and a life abroad. How she navigated work visas, taxes, and even burning down a GmbH to the tune of $100K of her own money to rebuild her startup in the US. We're talking passport diversification as the new financial strategy, why the American dream was always a lie, and how her new job platform Go Onwards is coming for LinkedIn's neck.If you've been thinking about leaving, this is your sign to stop playing and start moving.WE GET INTO:00:00 - Intro: The Baddie Who Left America in 2013 and Never Looked Back02:51 - Why Vanessa Said "Bye, America" at 21 with $2,000 and a Dream04:20 - The World Tour: China, London, Syria & Germany05:42 - What Her Life Would Have Looked Like If She'd Stayed08:42 - How to Actually Get a Job Abroad: Visas, Work Permits & What Nobody Tells You10:22 - How to Choose Where to Move13:20 - Grocery Bills, Free Healthcare & Why She Can Never Come Back16:16 - From Masterclass Girlie to Tech Founder: Her Creator Evolution18:57 - The Gap in the Market That Built Go Onwards21:55 - Why LinkedIn Doesn't Give a F*ck About Job Hunters (and She Does)23:33 - Pricing, Features & What You Get with Go Onwards24:44 - The $100K Founder Mistake She Made in Germany28:36 - The Real Tea on European Taxes31:33 - Digital Nomads, Remote Work & What 100% Remote Actually Means Abroad32:03 - How She Made $310K and Paid $26 in Federal Tax35:22 - Passports Are the New Insurance Policy36:03 - The (Very Legal, Slightly Gray) Way She's Bringing Her Family to Europe38:08 - How to Financially Prepare to Move AbroadKEY TAKEAWAYS:Getting a job in Europe as a US passport holder is more doable than you think — but you need to understand how work permits and visa sponsorship actually workThe Foreign Earned Income Exclusion lets you exclude up to $130K of foreign income from US federal taxes — stack it with tax credits and you'll be shocked at your billPassport diversification is the new financial strategy — multiple citizenships give you options that no investment account canGo Onwards filters out ghost posts, non-English jobs, and low-paying roles so you only see high-quality opportunities with visa sponsorship across all 30 EU economic areas + the UKYou don't need to fundraise to fund a startup — Vanessa liquidated part of her stock portfolio at pe

What if having the right money system meant that when your family faced a crisis, finances were the last thing on your mind?In this episode, I'm sitting down with Sahirenys Pierce of Poised Finance and Lifestyle — one of the OG Latinas of personal finance on the internet — and she's sharing the story behind her High 5 Banking Method. Spoiler: it was born out of one of the scariest moments of her life, when her son needed open heart surgery and she realized that having organized finances meant she could focus entirely on him instead of scrambling for money. That's the real power of a system that works.We break down the full High 5 Banking Method — the five purpose-driven accounts, how to set them up without starting from scratch, when high-yield savings actually matters, and how to handle the very Latina reality of your family treating your emergency fund like a group savings account. We also get into her four household game changers that eliminate the mental load of running a home without losing your damn mind.Her book, The High 5 Banking Method: A Money System You Can Count On, drops March 3rd, 2026. Grab your copy — and one for someone you love too, because we're not out here building little rich silos. WE GET INTO:00:42 - Meet Sahirenys: Creator of the High 5 Banking Method02:14 - Growing Up Watching Her Parents Lose Everything in 200805:33 - From Pharmacy School to Financial Planning07:03 - Why Less Than 4% of CFPs Are People of Color09:04 - How Her Son's Heart Defect Inspired a Money System11:14 - Saving with Confidence: The Surgery Fund Story13:10 - How the System Held Up When Everything Went Wrong at Once14:42 - Breaking Down the 5 Accounts (2 Checking, 3 Savings)17:46 - Bills Checking vs. Lifestyle Checking: What Goes Where19:21 - Do All Your Accounts Have to Be at the Same Bank?20:25 - High-Yield Savings Accounts: Do You Actually Need Them?21:18 - Ally Bank's Savings Buckets Feature (Not Sponsored, Just Good)27:00 - Managing Family Financial Pressure the Cultural Way30:29 - The SOP: How to Cut, Keep, or Reduce Any Expense34:37 - The Four Game Changers for Running Your Household41:28 - Can Free-Spirited People Actually Use Systems?44:10 - What's Inside the BookKEY TAKEAWAYS:Why one checking and one savings account is keeping you stuckHow to set up five purpose-driven accounts without starting from scratchWhen to use high-yield savings — and when it doesn't actually matterHow to build an SOP so you're never scrambling financially in a crisisThe four household systems that eliminate the mental load of running a homeWhy financial systems aren't just about money — they're about protecting your familyCONNECT WITH SAHIRENYS:<

Honestly, I don't know why it took me this long to get Chloe Daniels — aka Clo Bare Money Coach — on the show, because she is a whole badass and we have been living parallel lives for years. She went from a torrential relationship with money (including being financially trapped in a dangerous situation abroad) to becoming one of the most refreshing voices in personal finance.Her approach is called lazy investing — and before you scroll past that, hear her out. Because when BlackRock ran 100 years of market data, the results backed it up. We're getting into all of it: the mindset blocks keeping women out of the market, why Wall Street jargon is gatekeeping on purpose, the truth about financial advisors, and the simple strategy that actually builds wealth long term.WE GET INTO:00:00 - Intro: Why It Took Us This Long to Do This Episode00:46 - Meet Chloe Daniels: From Side Hustle to Full-Time Finance Coach04:05 - The Childhood Money Belief That Held Her Back05:03 - Financially Trapped in an Abusive Relationship Abroad07:31 - Rebuilding Self-Trust and Becoming Your Own Hero09:05 - Wall Street Gatekeeping and the Paralysis of Conflicting Info11:47 - The Real Stats on Diversity in Financial Advising14:35 - What "Lazy Investing" Actually Is (and Why It Works)18:42 - ETFs vs. Index Funds vs. Mutual Funds: What You Need to Know20:45 - How to Figure Out Your Investor Type and Build Your Portfolio24:21 - The Common Mistake: Money Sitting Uninvested in a Brokerage27:11 - How to Calculate Your Retirement Number Using the 4% Rule36:16 - The One Thing to Do If You're Not Investing Yet38:46 - Lightning Round: Roth vs. 401k, DIY vs. Advisor, and MoreKEY TAKEAWAYS:Why investing feels hard on purpose — and how to cut through itThe difference between investing and trading (and why most people confuse them)How to determine your investor type before picking a single fundWhy your 401k money might be sitting uninvested without you knowingHow to use the 4% rule to calculate your actual retirement numberWhy the compound interest calculator is the mindset shift you didn't know you neededWhy the answer isn't cutting back — it's making more moneyCONNECT WITH CHLOE:Instagram: @clobaremoneycoachWebsite: https://www.thelazyinvestorscourse.com/ TAKE THE NEXT STEP:Yo Quiero Dinero Private Membership<a href="http

What if I told you that you could travel the world without maxing out your credit cards?In this episode, I'm sitting down with Jess from The Sugar Daddy Podcast to talk about something that's been a game changer for me: travel hacking. And no, this isn't some shady scheme. This is about using credit card rewards strategically so you can live your best life without the financial hangover. Jess and her husband run a financial literacy podcast that's all about normalizing money conversations in Black and Brown communities, and she's breaking down exactly how she's been able to travel to places like Aruba without going broke in the process.WE GET INTO:00:00 Meet Jess from The Sugar Daddy Podcast03:12 Why money is still taboo in Black & Brown communities07:29 The American Dream is dead – now what?15:45 How rich families talk about money differently22:30 Travel hacking 101: The basics28:15 Strategic credit card spending categories35:40 Which credit cards to start with (and avoid)42:20 Credit score mistakes that will tank your strategy49:40 Do you need an emergency fund first?50:32 Getting started: First steps for beginners52:02 Where to find Jess and more travel hacking tipsKEY TAKEAWAYS:Money being taboo in our communities is literally keeping us broke – start normalizing financial conversations at homeRich families have quarterly money meetings and family investment funds. These tools are accessible to us tooThe old "work 40 years, retire with a pension" model doesn't work anymore – we need new strategiesTravel hacking works, but ONLY if you can pay off your credit card every monthYou need an emergency fund BEFORE you start travel hacking – life will lifeStart with low annual fee cards like Chase Sapphire or Capital One Venture ($95 or less)Close predatory store credit cards immediately if you're not paying them off monthlyEven small amounts add up – imagine 30 cousins each contributing $150/year to a family investment clubUse referral links for sign-up bonuses to maximize your points from day oneRESOURCES MENTIONED:point.meChase Sapphire CardVenture One CardAmerican Express CardCONNECT WITH JESS<a href="http://www.thesugardaddypodcast.com" rel="noopener noreferrer" target="_b

At the time of recording this episode, Bad Bunny has just made history—TWICE. First Spanish-language artist to win Album of the Year at the Grammys. Then he delivered the most-watched Super Bowl halftime show of ALL TIME. But this episode isn't just about celebrating Benito's wins (though we're absolutely doing that too). It's about what this moment means for ALL of us—especially right now, when being Latino has been demonized and criminalized in this country.Just a heads up that this episode is a replay of a recent Instagram live I did post-superbowl and the audio reflects that in some parts. WE GET INTO:0:00 - Intro: Happy Puerto Rican Month!2:42 - The Best Halftime Show Ever4:47 - Why Unity Over Division Matters Right Now7:12 - Bad Bunny's Cultural Impact & Timing9:38 - The American Dream Story We Can All Relate To15:30 - Breaking Down THAT Grammy Win22:15 - Benito's Activism: From Day One28:45 - The Super Bowl Performance Analysis35:20 - Ricky Martin's Powerful Appearance40:10 - Understanding "El Apagón" & Puerto Rico's Reality45:02 - Hurricane Maria's Lasting Impact47:06 - How Non-Puerto Ricans Can Actually Help48:30 - The Flag Parade & Unity Message50:48 - Community Growth & Connection52:50 - Closing: Rock Your Flags & Stay PoderosaKEY TAKEAWAYS:Bad Bunny became the first Spanish-language artist to win Album of the Year at the GrammysHis Super Bowl halftime show was the most-watched of all timeThis moment represents Latino power, visibility, and refusal to stay smallBenito's activism isn't performative—he's been consistent since day oneThe halftime show featured powerful moments like the kid sleeping in the chair, the flag parade, and Ricky Martin's appearancePuerto Rico cannot vote for president and has no voting representation in CongressWe can support Puerto Rico by staying at locally-owned businesses, eating at local restaurants, and voting for representatives who support pro-Puerto Rico policiesReading Puerto Rico's history reveals shocking treatment by the U.S. including birth control testing, military testing, and bombingUnity over division is the path forward—they want us divided to maintain controlWe are taking over the world on our own terms, in our own language, for our own peopleThis is a reminder to rock our flags, tell our stories, and stay loudTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially Lit<a href="https://www.speakpipe.com/msg/s/449160/2/u79sz3qexqzyh0" rel="noopener

This episode is going to shift how you think about success, abundance, and where you belong. I'm sitting down with my vecina, Rebecca Gitana Torres, a spiritual guide who rematriated to Puerto Rico after realizing the American Dream was never meant for people like us. We're talking about what holistic abundance actually means—and spoiler alert, it has nothing to do with your bank account or where you live.Rebecca shares her journey from working a city job in the Bronx to creating “transformation cocoons” in Puerto Rico, and why so many of us have been taught the colonial lie that we need to leave our homelands to find abundance. We talk about the generational programming that keeps us chasing external validation, why you need to stop clinging to old identities and relationships, and how to tap into your magnetic energy no matter where you are. If you've been feeling stuck, unfulfilled, or like you're chasing someone else's version of success, this episode is going to give you permission to redefine everything.WE GET INTO:00:00 - Intro: Meeting My Vecina from Puerto Rico02:03 - Rematriation vs. Economic Refugees: Reclaiming Our Roots06:09 - How Rebecca Left Her City Job 20 Years Ago08:27 - Why External Validation Will Always Leave You Empty13:45 - Discovering Your Value in "Regular" Jobs22:30 - The Mothership: Creating Matriarchal Safe Spaces28:40 - Stop Clinging to Old Identities & Relationships35:09 - What Happens in a Transformation Cocoon39:17 - Start Here: Clear the Clutter FirstKEY TAKEAWAYS:The colonial lie that you must leave your homeland to find abundanceHow to disconnect from external validation and find your internal powerWhy clinging to old identities keeps you stuckThe importance of clearing clutter before anything elseHow to recognize and develop your spiritual gifts in any jobCONNECT WITH REBECCA:Website Instagram YouTube TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart

Welcome To Perreo x Power, a new series brought to you by Yo Quiero Dinero. In this series, we're analyzing the origins of some of the biggest stars in the Latin Urban/Reggaeton genres and pulling out all the gems that you can apply to your money, business and life! In this debut episode, I'm breaking down a 2020 interview of Rauw Alejandro, Puerto Rican singer, songwriter, and performer known for blending reggaetón with R&B, pop, and electronic sounds. Born Raúl Alejandro Ocasio Ruiz in San Juan, he grew up between Puerto Rico and the mainland U.S., with early exposure to music and a strong foundation in dance, which later became a defining part of his artistry.He spent years releasing music and refining his craft before breaking through globally, building a reputation for high-level performance, futuristic visuals, and constant reinvention. Rather than chasing trends, Rauw has focused on skill stacking and evolution, allowing him to remain relevant in a fast-moving industry. Find out how a tragic end to his original career goals inspired Rauw to pursue music, and he went from an unknown musician to a Latin Grammy award-winning artist in less than 5 years!Saturno Playlist: https://youtube.com/playlist?list=OLAK5uy_kIVZbDqHZEqhCdjjEMm-PoYy0l3GpXHto&si=MNm7VFD8ny_DfLn1Check out the Yo Quiero Dinero Podcast at https://yoquierodineropodcast.com/Watch the video version of this episode on YouTube.TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemail Hosted on Acast. See acast.com/privacy for more information.

This episode is going to be one of the most honest conversations I’ve ever had on Yo Quiero Dinero. It's a raw, unfiltered conversation about what happens when you mix family and business—and spoiler alert: it gets messy as hell. My sister Lianne is back after a year-long hiatus, and we're spilling ALL the tea. From her rapid social media growth that turned into a nightmare with death threats, to being diagnosed with MS at 37, to almost filing for bankruptcy—this episode holds nothing back.We talk about what it was really like when she worked for me while I was a brand new mom, how her personal struggles spilled into the business, and why we ultimately had to make the difficult decision to part ways professionally. This isn't some sanitized "family business success story", it is the real shit that nobody talks about.If you've ever worked with family, hired a family member, or wondered if you should mix business with blood, this episode is required listening.WE GET INTO: 00:00 - Intro: Family, Business & Messy Dynamics02:03 - From 0 to 100K Followers to Death Threats05:03 - MS Diagnosis, Hospitalization & Bankruptcy07:20 - "I Was a Horrible Employee": Taking Accountability10:58 - The Performance Improvement Plan & Final Warning30:38 - The Money Problem: 1099 Tax Chaos37:26 - Digging Out of the Spiral: The Brutal Reality41:36 - Landing the New Job & Finding Peace54:56 - The 2026 Comeback: What's Different This Time58:29 - Should You Work with Family? The Real AnswerKEY TAKAWAYS:​​The gift and curse of rapid social media growthWhy follower counts don't equal moneyHow to navigate difficult conversations with family in businessRecognizing when a business relationship has reached its expiration dateThe importance of boundaries in ALL relationshipsHow to rebuild after burning everything downRESOURCES MENTIONED:Listen: Episode 179: 2 Sisters, 2 Survivors | Lianne Torres | Watch Us Thrive PodcastErica KramerCONNECT WITH LIANNE:WebsiteInstagram: @watchusthrivepodcastTAKE THE NEXT STEP:Yo Quiero Dinero Private Membership<a href="https://open.acast.com/financiallylitbook.com" rel="noopener noreferrer" tar

In this data-packed episode of Yo Quiero Dinero, Jannese sits down with Dr. Marlene Orozco, founder of Stratified Insights and lead researcher behind one of the most comprehensive studies ever conducted on Latina wealth in America. Together, they break down the receipts real numbers, real stories, and real systems that explain why Latinas continue to earn less, save less, and carry more financial responsibility, despite being one of the fastest-growing economic forces in the country.This conversation goes beyond hot takes and dives into the structural barriers, cultural expectations, and systemic inequities shaping Latina wealth today from entrepreneurship and homeownership to caregiving, education, and retirement. If you’ve ever felt like you’re working twice as hard for half the reward… this episode will make you feel seen and fired up.What We Get Into00:00 Why this Latina wealth data matters01:10 Meet Dr. Marlene Orozco04:25 First-gen roots & entrepreneurship09:30 Necessity vs opportunity businesses12:50 The Latina wealth paradox17:45 The 27% pay gap explained23:50 Entrepreneurship as a wealth strategy29:55 Homeownership & credit barriers34:10 Retirement & investment gaps37:45 Financial first responders47:40 The motherhood penalty56:20 Hope, policy & what’s nextKey TakeawaysLatinas are not behind because of bad choices — the system is working exactly as designed.Education and entrepreneurship do increase earning potential, but they are not enough without access to capital and policy support.Caregiving, cultural expectations, and family responsibility significantly limit Latinas’ ability to save and invest.Homeownership remains a primary wealth strategy, but affordability, credit access, and insurance risks threaten long-term stability.Real change requires structural solutions, not just individual financial literacy.Resources MentionedREPORT - Latina Wealth In America: https://latinoprosperity.org/research,Latino AI Summit: https://tinyurl.com/latinoaisummit2026 Stratefied In

In this no-fluff, receipts-on-the-table episode, Jannese breaks down exactly how she made over $500K in 2025! While becoming a first-time mom and running multiple businesses.This is not “get rich quick” talk. This is a real, detailed income report covering 10+ revenue streams, the systems that keep money flowing on autopilot, and the mindset shifts required to scale without burnout. From blog ads and digital products to brand deals, memberships, real estate, and side hustles! Jannese shares what actually works, what’s overrated, and why creators who rely only on social media are setting themselves up to struggle.If you’re a content creator or entrepreneur this episode is your sign.WHAT WE GET INTO0:00 How Jannese made over $500K in 2025 as a new mom2:30 A decade-long journey in content creation & entrepreneurship4:45 Top-line revenue vs. taxable income (what creators need to know)7:30 The 10 income streams behind nearly $500K10:00 Why digital products & coaching earned the most12:15 How blog ads generated $147K in passive income14:40 Brand deals, creator rewards & platform pay myths17:00 Side hustles: Turo, savings interest & Zumba income19:30 Airbnb income, real estate & upgrading investments22:00 Systems, automation & evergreen income strategies24:30 Membership pricing & avoiding creator burnout27:00 Mentorship, scaling faster & a real 5x income story29:15 Declaring 2026 the Rich Bitch Year31:15 Final takeaways, free resources & next stepsKEY TAKEAWAYS💡 Diversification is protection — never rely on one platform or paycheck💡 Long-form content (blogs & podcasts) builds real wealth💡 Own your offers — products > brand deals💡 Automation makes money while you sleep💡 Pricing yourself fairly is an act of self-respect💡 Mentorship shortcuts years of trial and errorResources MentionedFree Download: New Year Dinero Reset GuideBecome a Zumba instructor for 70% off!My PR condo: <a href="https://www.zillow.c

In this episode of Yo Quiero Dinero, Jannese sits down with Mariana Barajas, licensed therapist and money coach aka @lamoneytherapist to unpack the deep, emotional connection between mental health and money.From first-gen pressure and eldest-daughter trauma to scarcity mindsets, over-spending, money hoarding, and burnout, this conversation goes beyond budgeting tips and gets to the root of our financial behaviors. Because let’s be real: most of us already know what to do with money—what stops us is what’s happening in our nervous system.Mariana breaks down how childhood experiences, cultural conditioning, and subconscious beliefs shape the way we earn, spend, save, and invest—and what it actually takes to heal your relationship with money.If you’ve ever wondered why you can’t keep money, why you’re afraid to take financial risks, or why success still doesn’t feel like enough… this episode is for you.What We Get Into00:01 – 02:00Mariana’s background as a licensed therapist and money coachWhy mental health and financial wellness must be treated holistically02:01 – 05:00First-gen upbringing, eldest daughter pressure, and seeking parental validationHow childhood emotional neglect can shape adult ambition and burnout05:01 – 07:45Growing up with limited financial resourcesHow early awareness of money scarcity impacts confidence and decision-making07:46 – 10:10The fast dopamine hit of spending once you “finally make it”How retail therapy can quietly lead to debt and lifestyle inflation10:11 – 13:20Identifying subconscious money beliefsIntroduction to financial therapy and why budgeting alone isn’t enough13:21 – 15:30The Money-Worthiness FrameworkChallenging limiting beliefs, building self-trust, and the role of community15:31 – 18:10People-pleasing, and cultural expectations placed on womenHow these beliefs impact earning, saving, and self-advocacy18:11 – 21:45Preparing for motherhood financially and emotionallyFunding maternity leave, wellness practices, and not losing yourself in motherhood21:46 – 24:00Fear-based money behaviors: hoarding, anxiety, and c

Welcome to Season 8 of Yo Quiero Dinero.In this solo episode, I'm reflecting on the lessons that defined 2025, my first year as a mom, nearly five years as a full-time entrepreneur, and over a decade of intentional financial decisions that made this season of life possible. From redefining success and asking for help, to choosing the right partner, building wealth, and walking away from traditional timelines, this episode is a reminder that financial freedom doesn’t happen by accident it’s built, one intentional decision at a time. I'm breaking down down how money impacts every area of your life, from parenting and relationships to peace of mind and challenges you to stop talking yourself out of the life you say you want. If you’re stepping into 2026 ready to move with clarity, confidence, and purpose, this episode is for you.WHAT WE GET INTO00:01 – Kicking off Season 8 and welcoming listeners into 202600:36 – Why solo episodes are back and what to expect this year02:06 – Surviving the first year of motherhood and reflecting on 202503:30 – Stepping back from the mic and redefining productivity as a new mom04:55 – Why being intentional about who you have kids with matters06:28 – Planning for support, finances, and the realities of parenthood07:55 – Lessons learned from the Jefas y Mamás series08:45 – Why asking for help is essential and burnout isn’t a flex10:10 – Breaking generational cycles of exhaustion and overwork11:18 – How money directly impacts your quality of life13:10 – Why financial stress affects every role you play14:20 – Gratitude for past financial decisions that created present peace15:40 – The danger of settling for “stability” instead of freedom16:55 – Building financial runway in your 20s for long-term flexibility18:10 – Turning 40 and entering a more aligned season of life19:25 – Letting go of traditional timelines and societal expectations20:56 – Questioning the life you built and exploring alternatives22:10 – Discovering financial independence as a path to freedom23:19 – Facing debt without accepting “work forever” as the answer24:45 – Debt payoff strategies that changed everything25:45 – Learning how investing actually works27:00 – Quitting corporate America and becoming a full-time entrepreneur27:41 – Why financial freedom is built intentionally29:00 – Making the decision to want more — and act on it29:45 – Introducing the New Year Dinero Reset Guide30:04 – Season 8 kickoff gratitude and final reflectionsRESOURCES MENTIONED<a href=" http://courses.yoquierodineropodcast.com/reset" rel="noopener noreferrer" target="

In this week’s episode,Jannese sits down with Diana Garcia, founder of Amigas y Dinero, to explore her personal journey from nonprofit work to becoming a full-time money coach helping Latinas rewrite their financial stories.Diana shares how a pivotal decision during the pandemic, choosing not to return to a two-hour commute led her to create her own income, community, and career. She opens up about growing up in an immigrant household in LA, the scarcity mindset she witnessed, and her mission to help others build wealth from a place of joy, not sacrifice.From saving $10,000 in under a year on a modest income, to helping clients break free from paycheck-to-paycheck cycles, Diana offers actionable insights for tackling debt, increasing income, and navigating the unique financial challenges first-gen families face. She also gets real about overcoming fear, advocating for yourself in the workplace, and having money conversations with your parents.What You’ll Learn in This Episode:How Diana turned a pandemic pivot into a thriving coaching businessPractical strategies to save more—without extreme sacrificeWhy growing your income can be more effective than cutting expensesSide hustle ideas based on your skills and passionsHow to address limiting beliefs that hold you back financiallyNavigating family expectations as the “first-gen retirement plan”Why community, mentorship, and environment matter for financial growthMore from YQD™:Full show notes: Visit our blog.Watch the full interview on YouTube — don’t forget to subscribe!Grab my book Financially Lit! in English or Español.Ready to level up? Learn more about our signature programs.This episode is sponsored by BetterHelp — Get 10% off your first month: betterhelp.com/dinero Hosted on Acast. See acast.com/privacy for more information.

This week on Yo Quiero Dinero, Jannese is joined by the brilliant and unfiltered Eduek Brooks, a Canadian financial educator and founder of Two Sides of a Dime. Sis does not play when it comes to money — and in this episode, she gets real about how she paid off $47,000 of debt in just 20 months, turned her financial rock bottom into a thriving business, and created the Surplus Method — a roadmap that’s helping women all over reclaim their money power.If you’ve ever felt like traditional personal finance advice wasn’t built with you in mind, this episode is your antidote. Eduek throws out the cookie-cutter advice and breaks down why building wealth as a woman of color requires a whole new approach — one rooted in mindset, community, and actual surplus (aka: MONEY LEFT OVER after your bills are paid!). What We Cover:The exact moment Eduek decided she was DONE being brokeWhy she still invested while paying off debt (and how it paid off big)Her no-fluff guide to building a plan you can actually stick toCelebrating small wins & avoiding burnout on your debt-free journeyThe truth about high earners still living paycheck to paycheckA breakdown of the Surplus Method (S.U.R.P.L.U.S.) and how to use itHow Eduek knew it was time to quit her 9-5 and go full-time in her bizCanadian investment accounts 101 (hello, tax-free savings!)Why mini-retirements are part of her wealth strategyQuote:“Your income builds wealth, but your surplus is what gets you to your goals.”👑 Meet Our Guest:Eduek Brooks is a financial educator and the powerhouse behind Two Sides of a Dime. Through her membership community, Surplus Stack Society, she helps women ditch debt, build savings, and invest confidently — without sacrificing the joy of living. She’s not here to make you feel guilty about Starbucks. She’s here to help you stack, save, and spend with intention.📲 Follow Eduek:Instagram: @twosidesofadimeJoin the Surplus Stack Society: surplusstacksociety.comMore from YQD™:Full show notes: Visit our blog.Watch the full interview on YouTube — don’t forget to <a href="https://www.youtube.com/channel/UCqjyPFk9zzMBr_nVI6KmoIA" rel="noopener nore

What happens when you do everything “right”—go to college, land the six-figure job, make your family proud—and still end up buried in debt, burned out, and feeling trapped? In this episode, Jannese sits down with Rose Han, a first-gen wealth builder, YouTuber, and now author of Add A Zero. Rose opens up about her journey from over $100K in student loan debt to becoming a self-made millionaire, and the mindset shifts, financial strategies, and rebellious choices that made it possible.We talk about:The real impact of student loan debt on millennials & Gen Z’s version of the American DreamWhy “employee income” is the least free kind of income (and what to focus on instead)Rose’s Add A Zero framework for going from negative net worth to your first million—step by stepHow money identity, family conditioning, and cultural expectations shape our financial choicesWhy sometimes you have to ignore your parents’ advice and carve your own pathThe freedom and fulfillment that come when you stop playing small and start building wealth on your own termsIf you’ve ever felt stuck in debt, confused about money, or pressured to follow someone else’s script for success, this conversation is your permission slip to rewrite your financial story.📘 Grab your copy of Add A Zero at addazero.com and get access to Rose’s bonus content.📺 Follow Rose on YouTube and socials: @itsrosehan Hosted on Acast. See acast.com/privacy for more information.

This week, Jannese is joined by Victor Zeledón (@ourjourneywithless) a husband, dad, and Airbnb mentor who proves you don’t need six figures, a trust fund, or a fancy investing background to build wealth through real estate.Victor started with what most of us already have: a home, two extra rooms, and a need to build an emergency fund. Fast forward seven years and those two rooms turned into five cash-flowing rentals, a fully retired wife, homes in multiple states, and a roadmap to financial freedom.This convo is packed with gems, game-changing strategies, and the kind of transparency that our comunidad NEEDS to hear — because real estate is not “just for other people.” It’s for us, too.What We Get Into04:30 — Who’s actually renting rooms on Airbnb? (It’s not who you think!)05:50 — How they scaled from 1 room to 5 properties.06:40 — The real talk on hosting strangers: Safety, locks, boundaries, and vibes.08:15 — Airbnb vs. traditional renting: Why Airbnb was the wealth-building accelerator.09:20 — The Airbnb landscape in 2025: Regulations, fees, and why boring listings get no love.13:00 — Wild host lessons: What every new host should prepare for (yes, including tias who leave surprises).14:30 — Emergency funds + financial safety nets: How to protect your pockets.16:20 — Is Airbnb still worth it today? Victor breaks it down.17:30 — Why they bought in Waco & Tulsa: Out-of-state investing made simple.19:10 — How they bought a house in Tulsa with $0 out-of-pocket.20:40 — How to manage rentals remotely without losing your mind.24:00 — The family vision: From paying off debt → replacing his wife’s income → full financial freedom.26:00 — How Victor mentors new Airbnb hosts for FREE through the Airbnb Ambassador Program.Top TakeawaysStart where you are. A spare room can be your entry point into real estate — not a barrier.Airbnb hosting is work, but the income potential is REAL. Many hosts earn 2–3x a traditional rental.2025 is still a viable year to invest, especially if you explore mid-term rentals and lower-cost markets.About Our GuestFollow Victor: <a href="https://www.instagram.com/ourjourneywithless/" rel="noopener noreferrer" target=

In this powerful episode, Jannese sits down with Jessica Fick of The Fioneers to break down one of the most game-changing concepts in the financial independence movement: Coast FI.If the traditional FIRE path has ever felt too intense, too extreme, or too unrealistic (hello, $20k/year budgets and biking everywhere), this conversation will feel like a breath of fresh air.Jessica shares how she and her husband hit COAST-FI in their early 30s, how stepping off the corporate treadmill unexpectedly increased their savings rate, how they stopped using money to cope with burnout, and how Coast FI ultimately gave them the freedom to build a life aligned with their values — travel, entrepreneurship, flexibility, and joy.If you’ve ever wondered: “Is early retirement even realistic for me?” or “What would it take to never HAVE to work again?” this episode is your blueprint.💬 What We Get Into01:20 — What The Fioneers are all about: designing lives you love02:09 — Are they OGs? A look back at the early FIRE movement03:25 — Why extreme frugality turned so many people off04:31 — What Coast FI actually means (hint: not living on the coasts!)05:20 — The “aha moment” that changed Jessica’s entire financial life06:50 — The freedom Coast FI gives: sabbaticals, risks, lifestyle design07:37 — Why retirement is NOT an age — and how to rethink it16:08 — Their financial starting point + saving 30–35% on nonprofit salaries17:57 — Were they over-saving? Money dynamics in their marriage19:42 — How their savings rate hit 50% without trying27:30 — Her husband’s sabbatical → entrepreneurship → more freedom28:44 — They haven’t contributed to retirement in 2 YEARS… and still on track?!35:10 — Coast FI for older adults (yes, even if you’re 45+)37:22 — It all comes back to: know your numbers + intentional spending47:20 — Proactive ways to prep for healthcare costs48:25 — Why uncertainty shouldn’t stop you from pursuing FI49:53 — “If you lost everything, you could rebuild.” A listener storycheck out Jessica’s previous episode herehttps://yoquierodineropodcast.com/podcasts/epi

This week, Jannese sits down with therapist, writer, and Latina mental health educator Israa Nasir for a conversation that is about to drag all of us (in the best way). We're talking toxic productivity—why we glorify burnout, why rest feels like a sin, and why so many of us (especially first-gen, immigrant, and women-of-color communities) feel like the whole world will fall apart if we slow down for 5 minutes.if you feel guilty taking a nap, or if your self-worth is low-key tied to your to-do list… yeah. This episode is for you.What We Get Into02:02 – The Moment She Realized Productivity Was Becoming Toxic03:41 – First-Gen & Immigrant Upbringing + Hustle Culture05:48 – Rest = Laziness? The Messages We Grew Up With07:34 – The Emotional Payoff Behind Chronic Busyness10:32 – Toxic Productivity vs. Healthy Productivity14:44 – When Work Becomes a Coping Mechanism16:56 – The Financial Pressure to Keep Producing18:06 – Creativity as a Tool for Emotional Regulation21:42 – Stop Monetizing Your Joy22:43 – Social Media, Comparison, & Overstimulation27:00 – It’s Not a Willpower Issue28:41 – Separating Your Worth from Your Achievements31:38 – How Busyness Is Breaking Community & Connection34:33 – Israa’s Personal Boundaries & How She Stays Healthy37:03 – Jannese’s Own Experience with Burnout & Book Tour Story.39:23 – Breaking the Cycle as Parents43:23 – Screens, Exhaustion & Parenting in Survival ModeAbout Today’s GuestIsraa Nasir is a therapist, writer, and the author of Toxic Productivity. Her work focuses on emotional wellness, preventative mental health, and giving people the language they need to understand themselves. Her Substack dives deeper into culture, identity, emotional regulation, and community care.📘 Book: Toxic Productivity🌐 Website: israanasir.com📝 Substack: longform insights + tools📲 IG: @well.guideJoin the Black Friday Waitlist!Don’t miss the biggest deals of the year! Get early access to my exclusive Black Friday offers, available ONLY to waitlisters.👉 Join here:<a href="https://courses.yoqu

Today’s episode is one for the books. Jannese sits down with The legendary María Elena Salinas — award-winning journalist, storyteller, trailblazer, and one of the most influential voices in Latino media. For over four decades, María Elena has informed, empowered, and represented nuestra comunidad on the world stage. And now, she’s keeping it real about career, identity, retirement, money, motherhood, and the power of telling our own stories. If you’ve ever questioned your path, your voice, or the value of your cultura in your career… this conversation is going to recharge your spirit.TakeawaysTu cultura is your power — not something to tone down.Financial preparation gives you freedom.Never be the first person to say no to your dreams.Representation isn’t enough — our stories need to be told by US.Timestamps00:00 – Welcome & Introduction02:08 – “Voice of Hispanic America”04:02 – Why Latino Stories Matter14:44 – “You Can’t Go Because You’re a Woman”20:59 – Telling Latino Stories in Mainstream Media29:24 – Why She Eventually Left After 37 Years32:34 – Life After Univision: Reinvention & Retirement34:07 – Freedom, Flexibility & Money Lessons43:47 – Why She Launched Cinco Preguntas50:53 – The Future of the Latino Community🎧 Where to Find María ElenaListen to Cinco Preguntas con María Elena Salinas on YouTube, Spotify, and Apple Podcasts.Follow her on social media: @MariaASalinas Join the Black Friday Waitlist!Don’t miss the biggest deals of the year! Get early access to my exclusive Black Friday offers, available ONLY to waitlisters.👉 Join here: yoquierodineropodcast.com/fridayGrab My FREE Guide: The Financially Lit Latina!If you're ready to start building wealth but don’t know where to begin, download my free step-by-step dinero guide.👉 <st

In this special episode, Forever35 hosts Doree and Elise speak with Yo Quiero Dinero host Jannese Torres about savings, retirement, and investing — everything from how to find an accountant for your specific financial needs to why you have to be a part of the capitalist system in order to change it. Mentioned in this EpisodeFidelity 0% Expense Mutual FundsEmpowerThe Debt Lasso MethodFinancially Lit! The Modern Latina's Guide to Level Up Your Dinero & Become Financially Poderosa by Jannese Torres investor.govClick here to shop all of Forever35's ShopMyShelf recs.Visit forever35podcast.com for links to everything they mention on the show.Ready to join our best-selling programs for the best prices of the year! Join my black friday sale waitlist at https://courses.yoquierodineropodcast.com/friday Hosted on Acast. See acast.com/privacy for more information.

In this episode, Jannese Torres chats with marketing strategist Kar Brulhart, who turned a COVID layoff into a major glow-up story. Kar went from corporate burnout to building her dream business on Instagram and she’s spilling all the tea on how she did it.They get real about what it takes to show up online with confidence, why networking matters (even if it scares you!), and how to stop scrolling and start using social media to make money. Kar also breaks down her go-to strategies for building a personal brand, growing an audience, and using email marketing to boost sales. If you’ve ever doubted that you can start late, pivot careers, or make money being you, this one’s for you.You’ll Learn:💡 How Kar went from corporate life to full-time entrepreneurship after being laid off💡 Why Instagram is still a powerful tool for business growth💡 The secret to sharing your story and building trust with your audience💡 How to network without feeling awkward or fake💡 Tips for treating your social media presence like a real business💡 Why email marketing is a must for long-term success💡 How to stay consistent and show up even when you’re over itThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

In this week's episode of Yo Quiero Dinero, host Jannese Torres sits down with Andrea Ramos, founder of Building Gen Wealth, to talk about her journey from a first-gen saver to a full-time entrepreneur and money coach. Born in Peru and raised in the U.S., Andrea shares how her parents’ example of hard work and quiet money lessons sparked her own path toward financial independence—and how a moment of family crisis led her to reimagine what building wealth truly means. Andrea opens up about the challenges of leaving her 9-to-5, becoming a mom, and redefining success on her own terms. From navigating variable income to healing generational scarcity mindsets, she reminds us that wealth isn’t just about numbers—it’s about peace, possibility, and purpose.💡 You’ll Learn[07:15] The turning point that changed how she viewed saving, wealth, and security[09:00] Why representation matters in the personal finance space[16:30] How she built Building Gen Wealth while working full-time[20:30] The key lessons she learned transitioning from employee to entrepreneur[23:30] The “third skill” of money everyone needs to master—how to make more of it[25:50] Managing money as a business owner and paying yourself with discipline[34:00] How motherhood reshaped her relationship with money and ambition[37:20] The mindset and practical steps to go from saver to investor[42:30] The importance of being a lifelong learner when it comes to money🔑 Key TakeawaysMaking money is a skill. Whether you’re in a 9-to-5 or running a business, it’s something you can learn and grow.Saving is your foundation. It’s not the finish line—it’s what allows you to invest, build, and sustain wealth.Healing scarcity takes time. Emotional regulation around money is part of the work, especially for cycle breakers.Entrepreneurship isn’t easy, but it’s empowering. Building income from your ideas takes grit, adaptability, and faith.Your season matters. Success looks different in every phase of life—especially in motherhood.📲 Connect With AndreaFollow Andrea at @building.gen.wealth on Instagram for relatable financial education and visual breakdowns of investing, saving, and wealth-building.❤️ Connect With Yo Quiero DineroFollow @YoQuieroDineroPodcast on Instagram and subscribe on YouTube for weekly money convos with Latinas who ar

On this episode of Yo Quiero Dinero, Jannese chats with Norma Rapko, who proves that creativity and faith can change your life. Norma went from being a high school dropout battling anxiety and depression to becoming a multi-million dollar inventor, author, and creator of the revolutionary Crystyler tool—featured in 1,100+ Michael’s stores and on HSN!Norma’s story is a masterclass in resilience, self-belief, and breaking cultural expectations. She opens up about growing up as a first-gen Mexican-American in L.A., overcoming mental health struggles, and learning how creativity can literally rewire your brain. We also talk about the power of networking, owning your story, and redefining what success looks like on your own terms.This convo is your permission slip to chase your wildest ideas — even if no one else believes in them yet. 💡✨✨ You’ll Learn:[02:17] Growing up first-gen in L.A. — how Norma’s family business and work ethic shaped her entrepreneurial mindset[04:40] Turning pain into purpose — how she faced anxiety, depression, and dropping out of high school and still built a new path[07:03] From crafts to cash — how selling picture frames at a local fair led to $3K in one day and a nationwide business[11:48] The birth of The Crystiler — how a tedious task became a million-dollar invention 💎[13:29] “We’re all inventors” — why the best businesses are born from your personal problems[14:38] Why creativity makes you uncontrollable (and why society tries to silence that power)[17:33] How art and creativity can rewire your brain and support mental health, backed by neuroscience 🧠[23:06] The divine $25K connection — how faith and community opened doors for her invention[27:05] Norma’s real talk: nothing worthwhile happens overnight — consistency is key[32:34] Networking for introverts — how to show up, give value, and attract the right people[41:08] The power of storytelling and authenticity in connecting with your audience[42:06] Only 2% of Latina inventors hold patents — and why Norma is on a mission to change that 🇲🇽[45:08] Redefining success — what “enough” looks like when you build on your own terms[53:39] Norma’s message to her younger self: “Love yourself, bel

In this powerful and deeply healing conversation, Jannese sits down with Priscilla María Gutierrez, a certified trauma-informed life coach and keynote speaker known online as The Cycle Breaker Coach. Together, they unpack what it really means to be a cycle breaker — especially as first-gen Latinas navigating cultural expectations, family pressure, and inherited trauma.Priscilla opens up about her personal journey through childhood abuse, unhealthy relationships, and the moment she chose to reclaim her voice and purpose. She shares how she transformed her pain into her profession, helping others break free from toxic patterns and live authentically aligned lives. From healing your relationship with money to setting boundaries with family and unlearning generational beliefs — this episode is your reminder that it’s possible to break cycles and still love where you come from.🔑 In This Episode, You’ll Learn:(00:02:00) How Priscilla discovered her calling after walking away from law school(00:06:30) The connection between unresolved childhood trauma and adult coping mechanisms(00:10:45) The pivotal moment that led her to finally leave a toxic relationship(00:14:30) Why self-validation is the foundation of healing and empowerment(00:17:30) How first-gen trauma shows up in our relationship with money(00:23:00) Setting boundaries with family and learning to say “no” without guilt(00:28:30) How to parent with a trauma-informed lens and break harmful patterns(00:31:20) The cultural belief Priscilla had to unlearn to step into her full power🔗 Connect with Priscilla María:🌐 PriscillaMaria.com📸 Instagram: @cyclebreakercoachThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

In this powerful and eye-opening episode, we’re diving into one of the most avoided — yet absolutely essential — conversations in personal finance: estate planning. Host [Your Name] sits down with Alexandra Sepulveda, Head of Legal at Trust & Will, to break down the myths, cultural taboos, and emotional barriers that often keep us from preparing for the inevitable.Alexandra shares her deeply personal journey that began after a close brush with tragedy in her own family — and how that experience ignited her passion for helping others protect their legacy. Together, they discuss how to start the conversation with loved ones, why estate planning isn’t just for the wealthy, and how digital tools like Trust & Will are breaking down barriers to make legacy planning more accessible than ever.From defining what an “estate” really is (hint: it’s everything you own!) to understanding the difference between a will and a trust, this episode is your crash course in protecting your hard-earned assets and ensuring your loved ones are cared for — without the financial chaos.💬 In This Episode, You’ll Learn:[00:03:25] Why talking about death and money doesn’t have to be scary — it’s an act of love 💛[00:08:10] How Alejandra’s family story inspired her mission to make estate planning accessible[00:15:20] The difference between a will and a trust (and why you might need both)[00:22:45] When to create or update your estate plan (hint: it’s sooner than you think!)✨ Key Takeaways:Estate planning isn’t about death — it’s about legacy.You don’t need to be wealthy to need a will or trust.Life changes fast — keep your estate plan updated!Digital platforms like Trust & Will make it easier than ever to protect what you’ve built.🛠️ Resources Mentioned:Visit trustandwill.com to start your estate plan today.Explore the Trust & Will blog for guides on wills, trusts, and family planning.💌 Let’s Keep the Conversation Going:DM us or tag @YoQuieroDineroPodcast to share your estate planning journey! Your story could inspire someone else to take action.This podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

This week on Yo Quiero Dinero, Jannese sits down with Cristina Olivarez—award-winning visibility and leadership coach, TEDx speaker, and founder of The Social Butterfly Gal and Hustle + Socialize. Cristina shares her journey from chasing the “perfect” career path in broadcast journalism to building her own platforms that empower Latinas and women of color to step into visibility unapologetically.From navigating rejection in traditional media to creating her own conference, Cristina opens up about the power of storytelling, embracing pivots in business, and how authenticity builds lasting leadership. If you’ve ever struggled with showing up online, owning your voice, or figuring out how to lead in your community, this episode will inspire you to embrace your visibility as a superpower.What You’ll Hear in This Episode:15:49 The “cookie-cutter” script many Latinas are given—and how Cristina rewrote it for herself.23:52 Giving yourself permission to pivot in business and in life.24:56 The origin story and impact of the Hustle + Socialize conference.26:11 Why centering Latinas and women of color in business is both revolutionary and necessary.28:45 Why visibility is more than marketing—it’s about legacy and leadership.33:54 Practical first steps to start building your personal brand and showing up online.Resources & Links:Follow Cristina on Instagram: @thesocialbutterflygal | @hustleandsocializeListen to her podcast: Unapologetically Visible (Apple, Spotify, YouTube)Visit: thesocialbutterflygal.netGet your free guide: The Financially Lit LatinaThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

In this episode of Yo Quiero Dinero, host Jannese Torres sits down with Elena Gergis, the creator behind Made With Sazón, to talk about the journey from beauty blogging to becoming a viral Puerto Rican food content creator. Elena shares how rediscovering her cultural roots led to explosive growth online, why niching down matters, and how consistency pays off when building a brand. From her viral coquito recipe to monetizing her website and landing brand deals, Elena gives a real look into what it takes to grow as a solo creator while balancing motherhood and entrepreneurship. This conversation is full of practical lessons for anyone thinking about launching their own content brand.What You’ll Hear in This Episode:2:01 Elena’s transition from beauty and lifestyle blogging to food content4:30 The power of embracing your culture and niche to stand out online7:26 What it feels like to go viral—and how to prepare for it13:30 Elena’s income streams: ads, brand partnerships, and social media monetization21:13 What she's accomplished so far24:34 What Inspired her to build on Youtube26:21 How she structures her days as a mom and creator35:00 The role of AI and automation tools in her business37:46 Elena’s vision for the future—including cookbooks, TV appearances, and moreResources & Links:Follow Elena on all platforms:@madewithsaz0nVisit her website for recipes: https://curlsnpearlsss.com/Learn more about Jannese: yoquierodineropodcast.comThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

In this week’s episode of Yo Quiero Dinero, Jannese sits down with economist, author, and changemaker Anna Gifty to unpack the hidden costs women of color face in every stage of life — what Anna calls “The Double Tax.”From beauty standards and career hurdles to childbirth, caregiving, homeownership, and even retirement, Anna breaks down how racism and sexism compound to leave women of color overcharged and underpaid — and what we can do about it.You’ll hear:[05:00] Anna’s personal story of navigating wealth gaps from childhood through academia[20:00] The shocking reality of how inequality shows up in parenting, childbirth, and childcare costs[29:00] How empathy reshaped Anna’s perspective on her own family — and why men must read this book too[32:00] Why retirement hits women of color harder — and the data that proves it[44:00] Practical steps you can take — individually and collectively — to close the gapAnna reminds us that we’re not imagining the struggle, and we’re not alone in it. With empathy, community, and action, we can begin to dismantle the structures that hold us back.📚 Grab your copy of Anna’s new book, The Double Tax: How Women of Color Are Overcharged and Underpaid, available September 16 wherever you buy books.🔗 Follow Anna: Instagram | BlueSky | LinkedInThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Yo Quiero Dinero Podcast, host Jannese Torres sits down with relationship coach, podcaster, and corporate baddie Karina F. Daves to talk about balancing it all—motherhood, marriage, and entrepreneurship—without losing yourself.Karina shares how she built a six-figure business while working full-time, what it really takes to stop “doing it all,” and why outsourcing, building support systems, and setting boundaries are non-negotiable for women chasing big dreams. From navigating mom guilt and missed birthdays to strengthening her marriage and growing her platform to over 240K followers, Karina keeps it real about the messy, hard, and beautiful parts of pursuing purpose.✨ What You’ll Learn in This Episode:How to build a six-figure side hustle as a busy momWhy harmony matters more than balance in motherhoodHow to navigate mom guilt and missed milestonesThe role of outsourcing, nannies, and structure in creating freedomWhy choosing the right partner is the biggest life investmentHow to align your finances and family goals to build the life you want👩🏽‍💻 About Our Guest:Karina F. Daves is a relationship expert and host who helps couples repair trust, improve intimacy, and rebuild strong partnerships. She’s also a mom of two, wife, and entrepreneur who’s passionate about helping women reclaim their time, energy, and confidence.📲 Connect with Karina:Instagram & TikTok → @karinafdavesWebsite → https://www.karinafdaves.com/ This podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

What happens when you do everything “right”—go to college, land the six-figure job, make your family proud—and still end up buried in debt, burned out, and feeling trapped? In this episode, Jannese sits down with Rose Han, a first-gen wealth builder, YouTuber, and now author of Add A Zero. Rose opens up about her journey from over $100K in student loan debt to becoming a self-made millionaire, and the mindset shifts, financial strategies, and rebellious choices that made it possible.We talk about:The real impact of student loan debt on millennials & Gen Z’s version of the American DreamWhy “employee income” is the least free kind of income (and what to focus on instead)Rose’s Add A Zero framework for going from negative net worth to your first million—step by stepHow money identity, family conditioning, and cultural expectations shape our financial choicesWhy sometimes you have to ignore your parents’ advice and carve your own pathThe freedom and fulfillment that come when you stop playing small and start building wealth on your own termsIf you’ve ever felt stuck in debt, confused about money, or pressured to follow someone else’s script for success, this conversation is your permission slip to rewrite your financial story.📘 Grab your copy of Add A Zero at addazero.com and get access to Rose’s bonus content.📺 Follow Rose on YouTube and socials: @itsrosehan. This podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

Let’s be real… so many of us are out here chasing success, burning ourselves out, and wondering why it still doesn’t feel like enough. 👀In this episode, I’m chatting with Amina AlTai—executive coach, speaker, and author of The Ambition Trap: How to Stop Chasing and Start Living. Amina knows firsthand what it’s like to push so hard that your body literally can’t take it anymore. After a health crisis nearly landed her in organ failure at just 28 years old, she had to rethink EVERYTHING she thought she knew about success.We’re diving deep into why hustle culture is toxic AF (especially for women, immigrants & people of color), how to recognize when your ambition is actually hurting you, and how to start building a version of success that doesn’t leave you depleted.Sis, if you’ve ever felt guilty for resting, struggled with boundaries, or found yourself stuck in the cycle of “never enough,” this convo is your permission slip to stop grinding yourself into the ground and start living with more ease, joy & PURPOSE. ✨What you’ll hear in this episode:💡 Amina’s wake-up call that changed her definition of success💡 The 5 core wounds that secretly drive our hustle💡 The “ambition penalty” women & POC face in the workplace💡 Why rest = productivity (yes, really!)💡 How to shift from painful ambition → purposeful ambition💡 Practical steps to set boundaries & honor your needsResources & Links:Follow Amina on IG → @aminaaltaiGrab her book → The Ambition Trap: How to Stop Chasing and Start LivingLearn more → aminaaltai.comThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

In this week’s episode,Jannese sits down with Diana Garcia, founder of Amigas y Dinero, to explore her personal journey from nonprofit work to becoming a full-time money coach helping Latinas rewrite their financial stories.Diana shares how a pivotal decision during the pandemic, choosing not to return to a two-hour commute led her to create her own income, community, and career. She opens up about growing up in an immigrant household in LA, the scarcity mindset she witnessed, and her mission to help others build wealth from a place of joy, not sacrifice.From saving $10,000 in under a year on a modest income, to helping clients break free from paycheck-to-paycheck cycles, Diana offers actionable insights for tackling debt, increasing income, and navigating the unique financial challenges first-gen families face. She also gets real about overcoming fear, advocating for yourself in the workplace, and having money conversations with your parents.What You’ll Learn in This Episode:How Diana turned a pandemic pivot into a thriving coaching businessPractical strategies to save more—without extreme sacrificeWhy growing your income can be more effective than cutting expensesSide hustle ideas based on your skills and passionsHow to address limiting beliefs that hold you back financiallyNavigating family expectations as the “first-gen retirement plan”Why community, mentorship, and environment matter for financial growthMore from YQD™:Full show notes: Visit our blog.Watch the full interview on YouTube — don’t forget to subscribe!Grab my book Financially Lit! in English or Español.Ready to level up? Learn more about our signature programs. This episode is sponsored by BetterHelp — Get 10% off your first month: betterhelp.com/dineroThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.