Latina Financial Education, Investing & Wealth Building: MoneyChisme

Share Your Thoughts!If you’ve been working, saving, and doing everything “right” with money but still feel stuck, this episode breaks down what might be missing.Violeta and Andrea Ramos discuss the three main ways to build wealth — the stock market, real estate, and entrepreneurship — and how to use them based on your current season of life. Andrea shares her journey from financial instability to building a six-figure business and investment portfolio, while Violeta shares how she got started in real estate through house hacking and grew from there.They highlight why the stock market is often the easiest place to start, how to approach investing without a 401(k), and how each wealth strategy can eventually support the next.We cover: • The three core wealth-building vehicles and how they differ • Why the stock market is the most accessible starting point • How to begin investing without a 401(k) • Real estate strategies like house hacking and multifamily investing • How to know when it’s the right time to buy property • Using one wealth strategy to fund another • The role of entrepreneurship in building wealth faster • Overcoming fear and confusion around moneyMentioned in this episode:Andrea’s Financial Coaching Services This episode is a reminder that you don’t have to do everything at once — start with one strategy, stay consistent, and build from there.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you’ve ever felt like no matter how hard you work, it’s still not enough — especially while juggling bills, caregiving, and constant financial stress — this episode is a powerful and eye-opening conversation about why that feeling exists and what’s really behind it.Violeta dives deep into the reality of the feminization of poverty, breaking down how systemic barriers — not personal failures — disproportionately impact women, especially Latinas. This is both a validation and a call to awareness: your financial situation does not exist in a vacuum — and understanding the system is a key step toward navigating it.We cover: • What the “feminization of poverty” actually means and why it matters • The long-term impact of caregiving responsibilities on income and career growth • How lack of access to affordable childcare, healthcare, and education creates financial traps • How systemic policies and political decisions directly affect women’s financial stability • Practical ways women can protect themselves financially in an unpredictable system • Why money is inherently political — and why staying informed mattersThis episode is a reminder that financial struggle is often structural, not personal. And while the system may not be built in your favor, awareness, strategy, and community can help you navigate it with more clarity and intention.Mentioned in this episode:The Economic Status of Single Mothers by Center for American Progress The Enduring Grip of the Gender Pay Gap by Pew Research Center Pew ResearchTeen birth rates hit another historical low in 2025, CDC saysFox News analyst blames low birth rate on teens not having enough kidsIf this episode resonated with you, shareSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you’ve ever gone through a major life or income change — whether earning less than before or suddenly earning more — and felt your spending habits didn’t quite adjust with you, this episode is a real, honest look at what that transition can actually feel like.Violeta shares her personal experience of going from a high-income household (over $200K/year) to a much leaner income after leaving the military and transitioning into a new phase of life. While the shift was planned financially, the mindset and habit adjustments proved to be more challenging than expected.She opens up about how easy it is for “old” spending habits to creep in — especially during exciting life moments like buying a home, starting a homestead, or launching new projects — and how those decisions, while not necessarily bad, can become less sustainable without the same level of income.This episode is both a reality check and a reassurance: even if you’re financially savvy, you still have to actively manage your money through every life season.We cover: • The emotional and mental shift of going from high income to lean living • Why financial habits don’t automatically adjust when your income changes • How lifestyle inflation can show up — even when you think you’re being intentional • The hidden costs of major life changes (moving, homeownership, homesteading, new projects) • Using 0% financing strategically — and when it can still backfire • Why “not bad decisions” can still create financial strain without proper planning • The importance of doing a financial audit and identifying where money is leaking • How to communicate about money without blame in a relationship • Separating personal finances from investments to avoid overlap and confusion • Turning financial pressure into motivation to increase income or take business goals seriouslyThis episode is a reminder that managing money is an ongoing process — not a one-time achievement. Life changes, income shifts, and new goals all require you to pause, reassess, and adjust. And if you find yourself off track, it doesn’t mean you’ve failed — it just means it’s time to realign and move forward with intention.Mentioned in this video: My homesteading channel Real estate podcast (Real Estate Chisme)Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you’ve ever felt frustrated after tax season — whether you owed more than expected or realized you could’ve kept more of your money — this episode breaks down how to start being more proactive with your taxes.Violeta recaps the end of tax season and shares practical, beginner-friendly strategies to help you reduce your tax liability moving forward — especially if you’re a W2 employee or working toward a higher income. She explains key concepts like deductions vs. credits, and walks through simple ways to start planning now so next year feels very different.She also touches on the emotional and personal side of taxes — from feeling overwhelmed or unprepared to rethinking how and when you pay taxes — and encourages listeners to take control by staying informed and building a strategy that aligns with their values and financial goals.We cover: • The difference between tax deductions and tax credits (and how each one works) • How pre-tax accounts like 401(k)s and HSAs can reduce your taxable income • Common tax credits to be aware of (child tax credit, earned income credit, and more) • Standard deduction vs. itemizing — and how to know which is right for you • How medical expenses and HSAs can offer additional tax advantages • Adjusting your withholdings and what to consider before doing it • Why tax planning shouldn’t wait until tax season • Ways to reduce taxable income, including starting a business or investing in real estate • The importance of working with a CPA and staying informed on tax changesThis episode is a reminder that tax season shouldn’t be a surprise — with the right knowledge and small actions throughout the year, you can keep more of your money and feel more in control of your finances.Mentioned in this episode:IRS Tax Credits27 Real Estate Tax Benefits Explained: Pay Less TaxesEpisode 114: What’s Changing With Money in 2026?, Taxes, Real Estate & Financial Planning UpdatesSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Feeling stuck in the chaos of transition? Today I open up about leaving military life behind, navigating the wild ride of real estate, and shifting my version of freedom on my own terms.This episode is your wake-up call if you're struggling to find clarity after big life shifts. From the hustle and grind of military routines to the sacred space of my growing businesses, all while rebranding my life and embracing a slower, purpose-driven pace. It's a story of resilience, reinvention, and the power of intentional independence.This episode isn’t just about surviving—it's about thriving with clarity, courage, and confidence. Whether you're in the midst of your own big transition, dreaming of financial independence, or ready to carve out your space on your own terms, this is your call to action.Why stay stuck in old routines when freedom is within reach? Hit play—ignite your transformation today. You’re only one decision away from living the life you truly deserve.Mentioned in this episode:Join my Latina Real Estate Investors Skool CommunityLearn about Real Estate Investing on Real Estate ChismeFollow my Homesteading Journey on YoutubeSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you’ve ever felt like you should be further ahead with money — even after earning more or having opportunities — this episode brings clarity to why that happens and how to move forward.Violeta sits down with Justin Brown-Woods, an accredited financial counselor who shares how he went from receiving a $600,000 inheritance to falling into over $220,000 of debt — and how he turned things around by paying off more than $130,000 in just 18 months.They dive into how lack of financial education, lifestyle inflation, and emotional habits can impact your finances, regardless of income. Justin also shares practical, realistic approaches to budgeting and debt payoff, including how to make budgeting feel less restrictive and more aligned with your values.The conversation also explores the emotional side of money — from shame and avoidance to how debt affects your mental health and relationships — and offers mindset shifts to help you move forward with more confidence and clarity.We cover: • How lifestyle inflation can lead to debt — even with a large income or payout • Why financial education matters more than how much you earn • A more flexible, values-based approach to budgeting • Practical strategies to stay consistent with your finances • How to overcome shame and avoidance around money • Different debt payoff methods and how to choose one • Tips for navigating money conversations in relationships • Why your financial situation does not define your worthThis episode is a reminder that you’re not behind — you’re learning. And with the right tools and mindset, you can take back control of your finances.Mentioned in this episode:Haley and Justin Brown-Woods’ Financial CounselingSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you’ve been doing all the “right” things with money — building a career, earning more, saving consistently — but still feel unsure about your financial future, this episode puts language to that feeling and shows you what might be missing.Violeta speaks directly to first-gen Latinas who are navigating money without a blueprint, balancing ambition, family responsibilities, and the pressure to “figure it out” on their own. In this episode, Violeta breaks down 10 essential mindset shifts every Latina wealth builder needs to understand. From redefining what it actually means to be “good with money” to unpacking the emotional side of financial decisions, she highlights the gaps that traditional money advice often overlooks.She dives into the key difference between income and wealth, and why earning more doesn’t automatically translate to financial freedom. Instead, she emphasizes the importance of building assets — the things that continue to grow and generate income even when you’re not working.Most importantly, this episode is a reminder that wealth isn’t about status or luxury — it’s about freedom. The freedom to make choices, support your family, and live life on your own terms.We cover: • Why feeling “behind” with money is more common than you think • The difference between earning income and building true wealth • Why many Latinas were taught survival money skills — not wealth strategies • How your emotional relationship with money impacts your decisions • Why perfectionism and overthinking can delay financial progress • The power of starting before you feel fully ready • How time and consistency build wealth more than hustle alone • Why your network and environment shape your financial future • The truth about wealth vs. status and lifestyle inflation • How real estate can be used to build cash flow, equity, and long-term freedom • Why generational wealth starts with one decisionThis episode is your reminder that you’re not behind — you’re just learning a new game. And the moment you start thinking differently about money, you open the door to building a future rooted in freedom, stability, and choice.Mentioned in this episode:Free 5-Day Rental Property Investing Crash CourseJoin the Real Estate Community for LatinaSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If the idea of retiring early sounds appealing but also completely unrealistic, this episode breaks down what financial independence can actually look like in real life — especially for first-gen Latinas balancing career goals, family responsibilities, and rising living costs.Violeta introduces the FIRE movement, which stands for Financial Independence, Retire Early. The core idea is simple: build enough investments so your money can cover your living expenses, giving you the freedom to work because you want to — not because you have to.But retiring early doesn’t always mean having millions in the bank or quitting work forever. In this episode, Violeta explains that there are five different types of FIRE strategies, each designed for different lifestyles, income levels, and goals.We break down how the 4% rule works and how to estimate your “FIRE number” — the amount you would need invested to generate enough income to cover your annual expenses.From there, Violeta walks through the different approaches to financial independence, from minimalist lifestyles to luxury retirements, as well as hybrid options that allow you to work part-time while your investments cover most of your expenses.This episode is a reminder that financial independence isn’t a one-size-fits-all formula. Whether your goal is to retire early, work less, or simply have the freedom to walk away from a job you don’t love, there are multiple paths to buying back your time.We cover:• What the FIRE movement is and how financial independence works• How to calculate your “FIRE number” using the 4% rule• The five different types of FIRE and how they compare• Why Lean FIRE focuses on minimizing expenses• How Fat FIRE allows for a more luxurious retirement lifestyle• What Barista FIRE is and why it offers flexibility with part-time work• How Coast FIRE relies on investing aggressively early in life• Why real estate can accelerate financial independence through cash flow• Important factors to consider like inflation, mortgages, and lifestyle changesThis episode is a reminder that building wealth and creating financial freedom is a long-term journey. Even small steps today can move you closer to a future where your time truly belongs to you.Mentioned in this episode:Free 5-Day Rental Property Investing Crash CourseSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If the constant headlines about global conflict, rising gas prices, and market uncertainty have you wondering how it all impacts your finances, this episode breaks it down in a practical and grounded way.Violeta explains what’s currently happening with the military escalation between the United States and Iran can affect gas prices, inflation, the stock market, and even real estate.This episode focuses on how to respond financially during uncertain times. Violeta introduces a simple two-step framework: stabilize and optimize. First, strengthen your financial foundation by assessing your finances, building your emergency fund, managing debt, and making sure your situation is stable. Then, once you’re in a secure position, you can look for opportunities to continue investing and growing your wealth.We also talk about why markets tend to become volatile during global conflicts, and why long-term investing strategies tend to outperform short-term hype and trend chasing.For those interested in real estate investing, Violeta also shares how she’s adjusting her strategy in the current environment by running more conservative numbers, increasing cash reserves, and staying disciplined when evaluating deals.We cover:What’s happening with the U.S. and Iran and why it matters financiallyHow rising oil prices can impact inflation, gas, and everyday expensesWhy markets react to global conflictThe two-step strategy: stabilize your finances, then optimizeWhy long-term investing beats chasing trendsHow real estate investors can adjust their strategy during uncertain timesThis episode is a reminder that while global events are unpredictable, the way we manage our money doesn’t have to be. Staying calm, informed, and consistent with your financial strategy can help you navigate uncertainty without panic.Mentioned in this episode:More information about the Iran attacksBreakdown of the Strait of Hormuz and why it mattersEpisode about doing a financial reset and auditing your financesOpen a high-yield savings account with Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you want to build wealth, grow your opportunities, and become more intentional about the way you live and work — but you’re not sure what actually makes the biggest difference — this episode is for you.In this episode, we break down five powerful habits and mindset shifts that many successful and wealthy people consistently practice. After attending a real estate investing conference in Las Vegas, Violeta shares the most impactful lessons she heard from industry leaders and how she’s starting to apply them in her own life and business.This is a practical, honest conversation about what it really takes to move forward — not just learning information, but understanding yourself, managing your time and energy, and creating systems that support your goals. Because success isn’t just about what you know… it’s about how you show up consistently.We talk about why self-awareness is often the missing piece when people feel stuck, how poor time management quietly drains opportunities, and why learning to delegate and build systems can completely change your capacity. We also discuss how to protect your energy, stop trying to force people who aren’t ready to grow, and why life tends to give you more of what you actively engage with.This is a reflective and motivating conversation for anyone who wants to be more disciplined, more focused, and more aligned with the life they’re trying to build — especially if you feel like you know what to do but struggle to stay consistent.We cover:• Why understanding yourself is the foundation of success• How self-awareness helps you take effective action• Why time management is just as important as money management• The power of time blocking and intentional scheduling• How systems and delegation increase efficiency and freedom• Why protecting your energy matters more than you think• The idea that life gives you more of what you engage with• Why action and environment matter just as much as mindset• How to start implementing these habits in your daily lifeIf you’ve been feeling stuck, overwhelmed, or inconsistent this episode offers a grounded and realistic framework for moving forward. You don’t need to change everything overnight. You just need to become more intentional about how you use your time, energy, and attention.Mentioned in this episode:CliftonSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you’re a parent who wants to set your kids up for a more secure financial future but feels overwhelmed or unsure where to start, this episode is for you.In this episode, we break down why investing for your kids matters more than ever, especially in today’s economy, and how starting early can make a powerful difference over time. We talk through the most common investment account options available for kids, the pros and cons of each, and how to decide which one actually makes sense for your family and your goals.This is a judgment-free, practical conversation designed for parents, first-generation professionals, and Latinas who are learning about investing for the first time while also trying to do better for the next generation. You don’t need to be an expert or have everything figured out to get started. You just need clarity and a simple plan.We discuss why investing for your kids doesn’t mean you have to open every account or contribute huge amounts. It’s about understanding your options, choosing what aligns with your goals, and taking small, consistent steps that compound over time. You’ll learn how time in the market works in your child’s favor, how to keep things simple, and how to avoid common mistakes that can cause unnecessary stress.We cover:Why you should invest for your kidWhat is an UGMA account?What is an UTMA accountWhat is a 529 College Savings PlanWhat is a Roth IRA for kidsWhat is a Trump AccountHow to choose an investment account for your kidHow to start investing for your kidIf you’ve been wanting to invest for your kids but felt intimidated, behind, or unsure which path to take, this episode gives you a clear and compassionate framework to start. Even one small step can make a meaningful difference in your child’s future and help break cycles of financial stress and uncertainty.Mentioned in this episode:Info about the kiddy tax: https://www.irs.gov/taxtopics/tc553Open a Kid’s Investment Account with Fidelity - https://fidelity.app.link/e/2jr9fB2eUWbIf this episode was helpful, share it with another parent who might need it. Our community deserves access to this information, and the earlier we start these conversations, the more options we create for the next geneSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If talking about money with your partner feels uncomfortable, emotional, or like it could turn into an argument — this episode is for you.In this episode, we break down why money conversations in relationships feel so hard, what happens when couples avoid them, and how to start talking about finances in a way that builds trust instead of tension. This is a judgment-free, practical conversation designed to help you and your partner get aligned, reduce financial stress, and create a shared direction without shame or blame.This episode is especially for couples, first-generation professionals, and Latinas who were never shown how to communicate about money in a healthy, collaborative way — and are trying to figure it out together now.We talk about why financial alignment doesn’t mean identical habits or fully merged accounts — it means clarity, honesty, and shared goals. You’ll learn how to create a safe space for money conversations, how to approach your partner with compassion, and how to turn these talks into regular “money dates” that actually strengthen your relationship.We cover:Why money is one of the biggest sources of relationship stress — and how to change thatWhat financial alignment really means (and what it does NOT mean)How to start money conversations without triggering defensivenessWhy you should start with goals — not numbersDifferent ways couples can manage money together (joint, separate, hybrid)How to split expenses fairly based on incomeRules to follow during money talks to avoid blame, score-keeping, and shutdownsHow to create “money dates” to make financial check-ins easier and more effectiveIf you’ve been avoiding money conversations with your partner or feel nervous about bringing finances up, this episode will give you a clear, compassionate framework to start — so money becomes a tool for teamwork, not conflict.Mentioned in this episode:Money Monthly Planner (free budget + tracking template)Episodes on budgeting and creating a money planRelated episodes on financial anxiety and money mindsetMentioned in episode:Money Monthly Planner (free budget + tracking template)Episodes on budgeting and creating a money plan Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you’ve ever wondered why you’re not getting any closer to your money goals — even though you have a decent job and you’re “doing the right things” — this episode is for you.In this episode, we break down why setting financial goals isn’t enough on its own and how creating a realistic, season-aligned money plan is the missing piece. This is a guilt-free, judgment-free conversation designed to help you figure out where you’re getting stuck, why past goals may not have worked, and how to create a clear roadmap that actually moves you forward.This episode is especially for first-generation professionals and Latinas who were never taught how to plan their money beyond “pay your bills, save what you can, and hope for the best.”We talk about how to assess your current financial reality, align your goals with your money season, and build a money plan that includes both strategy and mindset — because your thoughts around money matter just as much as the numbers.We cover:Why you can feel “stuck” financially even with a good incomeHow to identify what’s blocking you from reaching your money goalsHow to use the SMART goal framework to create achievable financial goalsWhat “perfectionism paralysis” is and how it keeps you stuckHow financial anxiety and avoidance impact your progressCommon limiting money beliefs many first-gen professionals and Latinas grow up withWhy a money plan is more than a budget — it’s a personalized roadmap for your lifeIf you’ve ever felt overwhelmed, discouraged, or frustrated by your financial goals, this episode will help you reframe your approach with compassion, clarity, and realism — so your money plan actually works with your life, not against it.Mentioned in episode:Financial Reset Workshop (Episode 115)Budgeting & Money Management (Episode 116)Related episodes on financial anxiety and money mindset (EP 54) & Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you want to feel more in control of your money, it starts with having a system — not guessing, avoiding, or hoping it works itself out.In this episode, I break down what money management actually is, why tracking your money matters, and how choosing the right budgeting method can help you stop leaking money and start making intentional financial decisions. This is a practical, judgment-free breakdown designed especially for first-generation professionals and Latinas who were never taught how to manage money beyond “pay your bills and save what’s left.”I walk you through three common budgeting styles, who each one is best for, and how to choose the one that aligns with your current financial season — without feeling restricted or punished.We cover:Why tracking your money is important to reach your financial goalsWhat money management really isWhat budgeting is (and why it feels restrictive)What is the 50/30/20 budgetWhy zero-based budgeting is one of the most effective budgeting methodsWhat is a zero-based budgetWhy you need to give every dollar a jobWhat happens when you don’t plan for every dollar you makeWhat is the pay-yourself-first budgetWhich budget is the best for youIf budgeting has ever felt overwhelming, restrictive, or like a punishment, this episode will help you reframe it as a supportive tool — one that gives your money direction so it can work for you, not against you.Mentioned in episode:Monthly Budget & Yearly Money Tracker - Get the free tracker hereSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Before setting financial goals for 2026, it’s essential to audit your finances. This episode walks through a step-by-step, no-shame financial audit to help you see where your money actually went, understand your current numbers, and set realistic, aligned wealth-building goals.We cover:How to assess your current financial “vital signs” How to track and evaluate your debtUnderstanding your net worthHow to review your spending and create a realistic budget snapshotHow to identify your current financial season (stabilize, grow, or scale)How to set financial goals that actually align with your life and priorities in 2026This episode helps you break the cycle of repeating the same financial goals by slowing down, getting honest with your numbers, and building a solid foundation so your 2026 goals are intentional and achievable.Mentioned in episode:Monthly Money Plan & Yearly Tracker - Get the free tracker hereSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you’re setting financial goals for 2026, you need to know what’s actually changing with money before making big decisions.In this episode, I break down the most important 2026 personal finance updates, including new tax brackets, housing policy proposals, interest rate changes, and what they mean for investing and real estate in 2026. This is a no-shame, no-hype breakdown designed especially for first-generation professionals and Latinas who want to build wealth with clarity and confidence.We cover:2026 federal tax bracket changes and what marginal tax rates really meanNew and proposed tax law updates impacting paychecks and retirementHousing and mortgage changes being discussed by the current administrationWhat’s happening with real estate investing in 2026How interest rates may affect buying, refinancing, and investing decisionsWhat to prioritize when setting financial goals for 2026If you’ve been feeling overwhelmed by headlines or unsure how policy changes affect your money, this episode will help you focus on what actually matters so you can plan smarter in 2026.Mentioned in episode:IRS New UpdatesRetirement Investment Account ChangesSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Let's talk about the importance of taking time to achieve financial freedom, especially for first-generation Latinas who often feel pressured to catch up with their peers. In this episode I share my personal experience with financial anxiety, emotional decision-making, and the mistakes I made in my journey, particularly in real estate investing. I share the value of patience, strategic planning, and learning from past errors to create a sustainable path toward financial stability and success.takeawaysFirst-generation Latinas often feel financial anxiety and pressure.Rushing can lead to emotional financial decisions and mistakes.The military motto 'slow is smooth, smooth is fast' applies to finance.Many people feel they need to catch up with peers financially.Overanalyzing can lead to inaction or poor financial decisions.Investing without a strategy can result in significant losses.It's important to learn from past financial mistakes.Creating a financial strategy requires clarity and intention.Addressing financial anxiety is crucial for making sound decisions.More Chisme on the Blog:https://moneychisme.com/the-power-of-patience-building-wealth-doesnt-have-to-be-rushed/Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!This step-by-step addresses the unique challenges faced by first-generation immigrants in planning for their aging parents' retirement. In this rerun episode, I share the importance of understanding their current financial situation, setting retirement goals, and creating a comprehensive budget that includes healthcare and emotional support considerations. Violeta also highlights the cultural expectations that often place financial responsibility on the children of immigrant families, and the need for careful planning to balance these responsibilities with personal financial goals.Get more chisme on the blog:https://moneychisme.com/navigating-the-unique-challenges-of-retirement-planning-of-first-generation-immigrant-parents/Want to start real estate investing? Sign up for for my Keys to Cashflow Rental Property Bootcamp!https://moneychisme.com/rental-property-bootcamp/Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!In this rerun episode we discuss the significance of financial literacy within the Latino community, highlighting personal experiences and the challenges faced in understanding financial concepts. Cici Plata, founder of the Hive Co Realty, discusses the importance of teaching financial skills to future generations, the impact of cultural priorities on financial decisions, and the role of social media in empowering individuals to seek knowledge. She emphasizes the need to break the cycle of poverty through education and responsible financial practices.Connect with CiCi Plata:https://www.instagram.com/TheHiveCoRealtySupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Let's give the gift of financial literacy and financial empowerment this holiday season. In this episode I share my favorite money books that you can gift to someone you know or yourself! The best part? They are all Latina, Black and minority authors! So if you are looking to support minority businesses this year, gift a loved one or friend one of these books!Get the full chisme and more on the blog!https://moneychisme.com/powerful-money-books-by-women-of-color-to-gift-ambitious-latinas-this-holiday/Say Hola Wealth Academy:https://courses.sayholawealth.com/a/2147518588/M89KxGwySign up for Riverside for Podcast Editing and Hostinghttps://riverside.sjv.io/PO3V2zJoin the Waitlist for Keys to C.A.S.H.F.L.W. Rental Property Bootcamphttps://moneychisme.com/rental-property-bootcamp/Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!In this episode rerun, I reflect on how changing my mindset and view on what wealth means, changed my life. We grow up thinking wealth means a big fancy house and car. That we need luxurious bags, shoes and clothes. But it may not really be YOUR idea of wealth. You may have been influenced to think that is what success is. But it may just mean a slow paced life. What does wealth mean to you? How does it look like?Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Now more than ever, there are financial traps being set that are designed to keep you broke. Especially with the holiday season and news of 50 year mortgages and 15 year car loans. Here is how to spot financial traps and how to avoid them so you can make better financial decisions. Mentioned in this episode:50 Year Mortgage Loans and Fannie Mae Updatehttps://youtu.be/vISX6-OOAT4?si=3_IAEvxi-84PWs0MMoney Books I recommend:https://www.amazon.com/shop/moneychisme/list/1MTXRM8003HUP?ref_=cm_sw_r_cp_ud_aip_sf_list_spv_ofs_mixed_d_6RX9JTB4C929AKNDYASFSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!The 'Big Beautiful Boycott' is a response to the political and economic challenges faced by communities during the holiday season. I talk about the importance of resisting consumerism, reimagining holiday traditions, and supporting local initiatives. The discussion also highlights the need for financial empowerment as a form of resistance against systemic issues affecting marginalized communities.Key TakeawaysThe holiday season is heavily impacted by political and economic issues.A no spend holiday season can be a form of protest.Quality time with family can replace consumerism during the holidays.Creating new traditions can help shift focus from gift-giving.Re-gifting can be a sustainable alternative to buying new gifts.Community support is crucial during times of economic hardship.Financial literacy is essential for empowerment and resistance.Local businesses should be prioritized over large corporations.Money management can help build wealth and stability.Participating in community initiatives can make a significant impact.More chisme on the blog:https://moneychisme.com/the-big-beautiful-boycott-how-to-join-the-protest/https://bigbeautifulboycott.us/Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Big changes are coming to your taxes in 2026—pero no te me asustes. In this mini episode, I break down the IRS updates to standard deductions, tax brackets, earned income credit, childcare credits, and health flexible spending accounts.But this isn’t just a boring tax update. It’s your chance to plan smarter, save more, and build generational wealth like a jefa.If you're a cycle-breaker Latina navigating dinero decisions while supporting your familia, this episode is your blueprint to keeping more of your hard-earned cash.Tune in to start making those IRS updates work for you—not against you.Get More on the BLOGhttps://moneychisme.com/irs-tax-changes-for-2026-what-every-latina-investor-should-know/🎧 Related Episode: https://moneychisme.com/how-to-reduce-taxable-income-with-tax-planning-strategies/Full IRS Tax Updates 2026https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-billSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you're a business owner, at some point you may ask yourself, "Should I start a podcast to promote my business?" In today's episode, Mafe Salazar, a podcast producer shares her insights on how to effectively use podcasts as a tool for business growth. Mafe shares her journey into podcasting, the role of a podcast producer, and the significance of defining clear goals for a podcast. She emphasize the importance of understanding the podcast's purpose, effective engagement strategies, and the significance of word-of-mouth promotion. Chapters00:00 Introduction to Podcasting for Entrepreneurs00:54 Mafe Salazar: Journey into Podcasting03:07 Understanding the Role of a Podcast Producer04:57 Defining Goals for Your Podcast06:57 Evolving Your Podcast's Direction08:47 Using Podcasting as a Business Tool10:26 Monetizing Your Podcast12:59 Aligning Guests with Your Podcast Goals16:32 Tips for Starting Your Podcast17:26 The Podcast Planning Process19:11 Refining Your Podcast's Core Message20:47 Maximizing Content Repurposing22:49 Boosting Podcast Visibility and Engagement26:03 Effective Podcast Length and Structure28:12 Podcast Launch Services and StrategiesMore Chisme on the Blog:https://moneychisme.com/should-you-start-a-podcast-for-your-businessConnect with Mafe:https://mafesalazar.com/https://www.instagram.com/mafesalazar/Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Basiliso Moreno discusses the challenges faced by the sandwich generation, particularly in caregiving for aging parents while managing their own families. Basiliso shares his personal journey, highlighting the emotional and financial strains of caregiving, the importance of planning for healthcare needs, and the resources available for financial support. He explains the cultural aspects of caregiving in the Latino community and offers practical advice for those navigating similar situations. In this conversation, Bas Moreno discusses the complexities of Medicare and Medicaid for older adults, the challenges faced by the sandwich generation, and the importance of financial literacy within the Latino community. He emphasizes the urgency of securing Medicare and Medicaid amidst potential cuts and highlights the need for open conversations about caregiving and financial responsibilities. The discussion also touches on the impact of the current administration on financial planning and the mental health of seniors.Get the full chisme on the blog:https://moneychisme.com/the-financial-toll-of-caregiving-the-sandwich-generations-struggle/Connect with Bas Moreno:Https://www.instagram.com/basmorenoconsultingSchedule a Free 25 minute consultation:https://calendly.com/basmoreno/consultationSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!How my emergency fund saved me during a rental property flood, unexpected RV tire blowout, and one of the hardest moments of my life: putting my dog of 12 years to sleep.I unpack the difference between savings vs emergency fund, why we feel guilty spending money we “worked so hard to save,” and how that fund is not meant to just sit there. Plus I share a few tips:Why your emergency fund isn’t just for showHow to start one without overwhelmThe must-have emergency fund for rental property ownersThe mindset shift first-gen Latinas need around saving and spendingSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Ever rolled out a tortilla that looked like Texas but still tasted like abuela’s love? That’s your financial journey. Messy edges, uneven steps, sometimes too thick, but still warm, real, and so worth it. In this episode, I get real about the pressure to have the “perfect” money plan, and why embracing your imperfect, irregular journey is actually where the flavor is.This one's for my perfectionists, my recovering overthinkers, and anyone feeling behind. Porque aunque la tortilla no sea redonda, todavía se come.We’re breaking generational cycles and building wealth, con sazón, not shame.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!If you spend any time online, you’ve probably heard it:“Real estate investing is evil.”“Landlords are greedy.”“Owning property means you’re part of the problem.”And honestly? I grew up believeing that too.There’s no denying that there are landlords out there who only care about squeezing every last penny out of their tenants. We've seen the headlines—rent hikes, neglected repairs, unfair evictions. The bad players give real estate a bad reputation, and for a long time, I thought the solution was to stay out of it completely.Until one unexpected moment changed my entire mindset.Check out my Rental Property Bootcamp to start investing!https://moneychisme.com/rental-property-bootcamp/Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!We made it to 100 episodes, y’all! In this special episode, I’m taking a moment to reflect on the journey, highlight some of the most powerful guest moments, and share the biggest money lessons we’ve learned together. From breaking generational cycles to building wealth con propósito, this episode is a love letter to our comunidad and every guest who's dropped gems along the way. Whether you’ve been here since episode 1 or just found us—gracias for being part of the journey.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!What does it take to break free from survival mode and start building real wealth? Miriam Simon, CEO of Mi Si Coaching and Consulting, reveals her 25-year journey from entry-level positions to corporate executive leadership.She shares her powerful philosophy of honoring "your yes" – making decisions that align with your own values rather than others' expectations. This principle guided her from difficult beginnings to creating new leadership roles and eventually founding her own company.She share her practical strategies for career growth for Latinas, that helped Miriam secure eight different promotions and significantly increase her income. She shares insider tips on customizing resumes, researching salary ranges, leveraging employer benefits like tuition reimbursement, and effectively using LinkedIn for professional networking. Whether you're just starting your career, feeling stuck in survival mode, or ready to leverage your professional success to build wealth, this episode offers both inspiration and concrete strategies to help you honor your own "yes" and create the financial stability you deserve.More on Miriam Simon on the blog!Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!After 14 years of military service, I’m finally doing what many dream of—building our own homestead in Texas. On 10 acres of land filled with mesquite and cactus, we're creating a slower, freer life on our terms.Military life taught me stability, but building a homestead, as a First Gen Latina had some challenges. In this episode I share my decision to build a manufactured home instead of a barndominium and the costs that go along with it.  From deciding to leave the military after post-COVID-19 mindset shift, to buying 10 acres of land without ever seeing it in person, to figuring out how to pay for it, it was a journey with many ups and downs. Please like, share, and rate this podcast episode to help it grow. Your support makes a difference!Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Many new Latino Real Estate Investors feel stuck before they even start their real estate investing journey. That nagging voice in your head questioning your abilities or resources isn't just annoying—it's a limiting belief actively holding you back from building wealth.As a first-gen Latina investor, I've battled these mental barriers firsthand. The truth is, these limiting beliefs—"I need to have it all figured out," "I don't have enough money," "ambition is selfish," and "I don't know where to start"—are psychological barriers masquerading as practical problems. They're rooted in deeper issues: fear of failure, scarcity mindset, concerns about judgment, and information overwhelm. Recognizing the real source of resistance is half the battle.Check out THE BLOG for more!Ready to break through these mental barriers and start building wealth through rental properties? Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Lindsay Barrientos shares her journey from Peruvian immigrant to real estate investor, showing how regular people can build wealth through property investment even without massive capital or experience. Her story proves that our community can overcome financial barriers and cultural money mindsets to create passive income streams and build generational wealth.• Born in Peru and immigrated at 16, learning English and American financial systems simultaneously • Used nursing career to build initial capital while educating herself through books and social media• Purchased first investment property in Indiana for $135K while living in California• Successfully executed a BRRRR strategy using HELOC funds despite setbacks including a property fire• Emphasizes networking with other investors and learning from YouTube creators investing in target markets• Advocates shifting perspectives on debt to understand the difference between good debt for assets versus bad debt for liabilitiesFind Lindsay on YouTube and Instagram at "LINdoes investing" to follow her journey and learn more about real estate investing strategies for Latinas.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Have you ever had life completely derail your carefully constructed financial plans? That pivotal moment when reality forces you to completely reimagine what you thought your future would look like? What do you do next?This episode is for my First Gen wealth builders who are navigating financial uncertainty and who've worked relentlessly to overcome barriers only to face new obstacles. I share my own recent dilemma of being forced to pivot with these uncertain economic times. I also share my insights on managing expectations, recognizing when resistance is actually guidance, and redefining success on your own terms. Most importantly, you'll discover that pivoting doesn't equal failure - sometimes it's the most resilient path forward.Follow me on Instagram for additional resources from experts in our community helping us not just survive uncertainty, but position ourselves to thrive.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!What happens when a successful attorney discovers she has the financial literacy of a teenager? Attorney Heather Reese's journey from financial blindness to rebuilding her life after divorce at age 32 offers a raw, honest look at how money silence can impact anyone—regardless of education or career status.Heather's story challenges the polished narratives often presented by financial influencers, offering instead a messy but authentic journey of rebuilding. "If a lawyer doesn't have it together, then it is not embarrassing if you don't have it together," she reminds listeners. Her experience demonstrates how financial literacy isn't automatically acquired through education or career success—it requires intentional learning, often through difficult personal experiences.Follow Heather's continuing journey on Instagram at @heather_rxoxo, where she shares both struggles and victories. Have you ever had to rebuild your finances from scratch? Share your story with us and join the conversation about breaking the money silence.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Jhoanna Astudillo shares her journey from Ecuador to the US, highlighting how first-generation Latino immigrants often lack financial literacy while unconsciously developing money habits that influence future generations. Her personal story reveals how cultural backgrounds shape our relationship with money and the importance of changing narratives for our children.• Experiencing the "ghost in the country" phenomenon when denied credit despite having savings• Catching herself passing down unhealthy money messages to her daughter• Working as Hispanic Segment Leader at BOKF to create financial education workshopsTake the first step toward better financial habits. You don't have to do it alone, and it's never too late to change the cycle for yourself and future generations.Check out the blog for more.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!La incertidumbre económica y el alto costo de vida exigen ajustes estratégicos para mantener la estabilidad financiera sin perder nuestros valores culturales. En tiempos difíciles, mantenerse educadx financieramente es un acto de resistencia.• Reconoce el estrés económico, pero no te desconectes de la información • Tómate pausas para procesar emociones antes de volver a la acción • Ajusta decisiones grandes como mudanzas o cambios de carrera • Prioriza tu fondo de emergencia y paga deudas como medida de protección • Diversifica tus inversiones: no todo es la bolsa, considera bienes raíces • Busca ingresos pasivos que ayuden con el costo de vida • No te aísles: mantén la conexión con tu comunidad • Inspírate en la resiliencia de nuestrxs antepasadxs inmigrantes • La educación financiera te da poder: personal y colectivo • Usa tu voz y tu dinero para apoyar a lxs más vulnerablesComparte este episodio con alguien que lo necesite y mándame un DM en Instagram con tus ideas o sugerencias para futuros temas.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Economic uncertainty is creating financial anxiety for the Latino community, but we can take practical steps to reduce stress and regain control during these challenging times. The key is acknowledging our feelings while developing new strategies to navigate rising costs, stock market volatility, and potential recession.• Face economic reality without letting it overwhelm you• Adjust your financial plans and consider scaling back major purchases• Learn financial literacy as a form of resistance and empowerment• Consider real estate investing for monthly cash flow and financial stability• Diversify investments between stocks, bonds, and tangible assets• Connect with community rather than isolating during stressful timesMore on the blogShare this episode if you found it helpful, and remember: ánimo, let's keep our heads up and survive this craziness together.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Nancy Sasaki, President and CEO of United Way of San Diego County, shares how their Earned Income Tax Credit Coalition provides free tax preparation for those making under $67,000 annually. She explains the importance of financial literacy and how their programs help community members build economic mobility.• Free tax preparation services available by calling 211 in San Diego County• Trained volunteers often understand the specific needs of lower-income individuals better than paid preparers• The SparkPoint program offers financial literacy coaching to increase income, savings, credit scores, and reduce debt• Bank On program helps people learn to trust financial institutions and manage their money effectively• United Way partners with 45 organizations throughout San Diego County to provide comprehensive services• Individual Taxpayer Identification Numbers (ITINs) allow those without Social Security numbers to file taxes legally• Financial literacy education extends to both young people and their familiesCall 211 to find free tax preparation services near you, or visit uwsd.org to learn more about United Way's programs.Check out the blog for more!Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!No es un secreto que la educación financiera sigue siendo un gran obstáculo para los latinos. ¡Sé que lo fue para mí! Aprendí todo a la mala. Pero vamos a empezar a cambiar eso. Aquí tienes algunos consejos sencillos sobre finanzas personales, dirigidos a la comunidad latina para que comiences a tomar el control de tu dinero.Mas en el blogSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!It is Financial Literacy month and it's time to start building it! Financial literacy means understanding how money works and making strategic decisions about spending, saving, and investing. This episode is your guide to building financial knowledge, perfect for beginners and first-generation immigrants who may not have received financial education growing up.• Focus first on learning about financial issues directly affecting you now • Understand how inflation and taxes affect your money• Learn to differentiate between "good debt" and "bad debt" • Understand what affects your credit score• Invest in retirement accounts • Plus financial literacy resources from Latino voices including books, podcasts, and online contentMore on the blog!Don't forget to share this episode with someone who might benefit, and tag me if you share it on social media to help reach more of our community with financial literacy information.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Nicole Stanley shares her journey from experiencing financial panic attacks to paying off $30,000 in debt with her husband in just 10 months and eventually building a quarter-million-dollar net worth on an average income of $56,000. • Using therapy to address financial anxiety while simultaneously taking financial education courses• Supplemented income through various side hustles like flipping furniture, nannying, and teaching English online• Identifies five types of financial problems: spending, fixed expenses, income, money management, and financial strategy issues• Views financial stress as a positive indicator that there's an opportunity waiting to be discovered• Recommends creating a "spending plan" rather than a "budget" to reduce resistance and negative associationsVisit www.arisefinancial.com for free resources including 5-minute money moves, free classes on setting financial goals, and information about one-on-one financial coaching.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Aunque las recesiones son parte natural del ciclo económico, pero las decisiones políticas actuales podrían estar acelerando la llegada de una crisis en 2025. Aprende como proteger tu dinero con estos tips. En este episodio, exploramos estrategias clave para proteger tus finanzas y aprovechar oportunidades incluso en tiempos de crisis:Fondo de emergencia más sólido Aprovecha cuentas de ahorro de alto rendimiento Reduce gastos innecesarios y paga deudas de alto interés Sigue invirtiendo en tiempos de crisis Inversionistas inmobiliarios, prepárense Empresarios, refuercen sus reservas Encuentra oportunidades en la recesiónLa clave no es solo sobrevivir, sino salir más fuerte. Prepárate ahora: fortalece tu ahorro, optimiza tus gastos y mantente listo para aprovechar oportunidades. Escucha este episodio y toma acción antes de que sea demasiado tarde.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Let's talk about to to prepare for a recession in 2025. With this current administration, the effects of their decisions are having some negative economic impacts. This may lead to a recession. So how do you recession-proof your finances? I break down how to prepare for a potential 2025 recession with practical strategies anyone can implement.I also cover:• Understanding what recessions are and why we might be facing one in 2025• Building a 6-12 month emergency fund in high-yield savings accounts • Identifying unnecessary expenses to cut while building financial reserves• Paying down high-interest debt and avoiding new major purchases• Managing investments without panic-selling during market downturns• Recession-proofing investments like real estate• Developing additional skills and income streams to recession-proof your careerSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!In this episode we get into how Facebook ads can be a game changer for your business. Stacy Reed, a Facebook ads expert, shares how it can skyrocket your business visibility and drive real sales growth. She reveals the must-know strategies for leveraging paid advertising while maintaining authenticity in your brand presence. Whether you’re a small business owner or entrepreneur this episode will give you actionable insights to elevate your online reach and maximize your ROI.What You'll Learn in This Episode:How to blend organic social media with Facebook ads for long-term growthThe role of a fractional CMO and how they can scale your marketing effortsAudience targeting strategies to ensure your ads reach the right peopleThe difference between Boosted posts vs. Facebook ads How to build genuine relationships with potential customers through adsThe power of authentic, relatable content in high-converting campaignsDebunking myths about social media advertising that hold businesses backSo if you are looking to add Facebook ads or looking to refine your online marketing strategy, this episode is your roadmap to smarter marketing, stronger engagement, and bigger business wins.Tune in now and start scaling your business with confidence.Where to find Stacy Reed:www.stacyzeal.coLinkedINFree WorkshopSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Is debt really the enemy? In this episode, I break the myth that all debt is bad and show you how smart borrowing can be a powerful tool for building wealth. Learn how good debt can fuel real estate investments, business growth, and financial freedom when used strategically. What You’ll Learn: Good Debt vs. Bad Debt – What’s the difference and why it mattersHow to Overcome the Fear of Debt and use it to your advantageReal Estate Investing & Rental Income – Leveraging debt for passive incomeTax Benefits of Using Debt Wisely to maximize your financial gainsThe Power of Financial Education & Community for wealth-buildingPractical Strategies to Use Debt Effectively in your financial journeyTune in now to transform your mindset and learn how to make debt work for you!Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!You may think that financial planning is for those with million dollar net worths, but it is for everyone! Nadia Vanderhall, a financial planner and founder of The Brands and Bands, shows us how financial planning can empower YOU to take control of your financial future through actionable strategies and a shift in perspective on retirement.In this episode we cover:What is financial planning?Why do you need financial planning?Financial Plan basics for beginnersMaking financial planning accessible for allShifting perspectives on retirement as a continual process The three essential phases of money: wallet creation, wealth creation, and wealth management Importance of budgeting and understanding spending habits Tips for estate planning and leaving financial legacies About the Guest:Nadia Vanderhall is a financial planner, educator and marketer and founder of Brands and Bands Strategy Group. She guides individuals and families through the three phases of money with Financial Planning and Financial Education.www.thebrandsandbands.comInstagram: NVKnowsSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Cual es la diferencia entre la deuda buena y la deuda mala? Cómo entender esta distinción puede ayudarte a generar riqueza. Hablamos sobre cómo aprovechar estratégicamente la deuda, especialmente a través de la inversión en bienes raíces, y desmitificamos el miedo a pedir préstamos.Temas que discutimos:El estigma de la deuda y cómo cambiar tu mentalidad sobre el dineroDiferencias entre deuda buena vs. deuda mala (y cómo usarlas a tu favor) El impacto de la deuda de consumo en tus finanzasCómo pedir préstamos puede ayudarte a hacer crecer un negocioUsar bienes raíces como estrategia para generar riquezaVentajas fiscales de invertir en bienes raícesCómo calcular el cash flow antes de comprar una propiedadPor qué cambiar tu percepción sobre la deuda puede cambiar tu vida financieraLa importancia de la educación financiera y comunidad para crecer juntosEscucha ahora y aprende a convertir la deuda en una herramienta para tu éxito financiero.Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!Should you hire a property manager for your rental properties? My answer is yes! There are so many benefits of having a property manager versus managing the rentals yourself. In this episode I go over:What is a property manager? The legalities of managing your own propertyProperty Management feesThe benefits of hiring a property managerHow to find a good property managerStory of when I dealt with a tenant, that reinforced my decision to hire a property manager. Learn about my Rental Property BootcampSupport the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.