Money Mindset and Personal Finance for First Gen Latinas: Ching@ Tu Money®

#43: Everyone says to 'reduce your expenses', but you can only cut so much before you're miserableInstead of tracking every single expense to the penny (or extreme coupon-ing), focus on reducing costs for 3 things:HousingTransportationEating out/fast foodBONUS (and most importantly): When reducing expenses STILL doesn't work, amiga, I'm not saying it'll be easy, but it may be time to earn more.From renting a room in a house to save money, to making my biggest money mistake (financing a new car) to my struggles with cooking, this is an episode you don't want to miss.See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸How to Stop Underearning And Make More Money💸How I Saved Money On Rent By Renting A Room for 4 Years⭐️RESOURCES⭐️💸1:1 Money Coaching💸Subscribe the Monthly Newsletter💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#42: Not the government wanting the money I borrowed back *eye roll*.If you have outstanding student loans and you aren't sure how to tackle them - ME TOO!This student loan episode WON'T solve your student loan dilemma, but it will:give you #solidarity (You aren't alone, friend!)tell you a bit about the new student loan 'RAP' planget you curious about what to consider in order to make your best decisionSee you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Create the Space to Rest: If You're Type A, Listen To This Episode⭐️RESOURCES⭐️💸1:1 Money Coaching💸FREE: Fix Your Money: 6 Episode Audio Course💸Subscribe to the Money Newsletter💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#41: I walk too fast, eat too fast, and am addicted to social media. I need REST, and if you're reading this, you do too. But.... how do we 'find the time' for it?In this episode, I share with you a 3 part framework that will help you find the time for rest. I also touch on:the importance of slowing downurgency as a habitdopamine addictiona one minute silence testYou are in charge of your life, amiga. Time to re-imagine it.⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Dr. Anna Lemke: How Understanding Dopamine Can Improve Your Life⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Fix Your Money: 6 Episode Audio Course💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#40: Given that my boyfriend pays for a lot of our shared expenses - I often wonder, 'Am I financially abusing him?'I don't wonder it jokingly. He has shared with me that in the past, he experienced some financial abuse (including financial infidelity). I love my boyfriend and I respect his money. But, some of the behaviors he describes from his past sound a bit like the arrangement we currently have going on.In this conversation, we dive into his experience, thoughts and perspective. SPOILER ALERT: he says I'M NOT financially abusing him.Money can be complicated and having conversations around money can be even more so. Tune into this episode to be a fly on the wall of a real life insecurity of mine.See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸Financial Abuse in Couples: Money Red Flags To Look Out For⭐️RESOURCES⭐️💸GIRL JUMP! Building Your Financial Safety Net to Leave An Abusive Relationship And Reclaim Your Freedom send me your confirmation email to [email protected]💸Follow Justine De Peralta on Instagram💸Subscribe to my Monthly Newsletter💸Follow Mariel on InstagramDISCLAIMER: If you are experiencing financial and domestic abuse and are immediate danger, dial 911.If you are not in immediate danger, call the National Domestic Violence Hotline at 1-800-799-SAFE (7233). They also have a website, but here is a Security Alert from their website:‘Internet usage can be monitored and is impossible to erase completely. If you’re concerned your internet usage might be monitored, call us at 800.799.SAFE (7233)’If it is safe to do so, you can visit thehotline.org for more information and resources.Want more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#39: Money can be used as a tool, but it can also be a weapon.In this episode, we talk financial abuse:What it isExamples of what to look out forWhat to do if you feel you are experiencing itWhy you shouldn't feel shame if it's happened to youFinancial Abuse is the most important money topic I will ever talk about. Give this episode a listen, and then share it with a friend, co-worker, or loved one that may be experiencing financial abuse.⭐️⭐ RELATED PODCAST EPISODES⭐️⭐️💸Financial Abuse in Couples with Author Justine De Peralta💸Financial Abuse in Family with Author JDP💸Financial Abuse in Friendships with Author JDP⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#38: I don't have enough money to max out my Roth IRA this year.BUT I know that everything I invest will add up - even if its $10 a monthIn this episode I outline 5 reasons to invest EVEN if you have little moneyBecause you can. Thanks to 'fractional shares' you can buy $10 of an investment at a timeStarting when you have little money allows you to build the CORRECT investing habitsBecause it's not all in or all outBecause of, hello!, compound interest. (its the 8th wonder of the world)Because amiga, investors look like you and me. Mujeres. Poderosas. Latinas. It's time to invest. No more excuses.At the end of the episode, I share with you 3 ways to get started with investing.Amiga, welcome to your investor era. We're waiting for ya. See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Building Wealth: 3 Mistakes I Made As A Beginner Investor💸I Worked In Tech And Was Made To Feel Like I Could Never Understand Investing. Now I Teach Women How To Do It💸If You’re A Latina, It’s Time To Invest. No More Excuses.⭐️RESOURCES⭐️💸Hire Me To Help You Open Your IRA💸Stay Updated on Upcoming Money Workshops/Challenges💸FREE: 'RETIRE ON TIME' Workshop Replay with Mariel💸FREE: 'Beginner Investor' 60 minute Workshop with Jeremy💸Savings Goal Calculator💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#37: Do you ever feel like you don’t want 'evil' companies to profit off you? Or like you could be more intentional with your money? But you don’t really know where to start?Same here amiga! This episode is a love letter from a newbie financial activist to another. Let me be clear: everyone can use use their money for good. It may feel like our small actions won't make a difference, but amiga, they do. In this episode we:Define financial activismSee it in action: how and why I closed my Wells Fargo accountsTalk about 11 ways you can practice being a financial activistBeing intentional with your money isn’t easy. And it’s NOT supposed to be perfect. No really, I list out 3 ways I'm not a 'perfect' financial activist in this episode. See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸'Letter to Money' Exercise (Let's talk about money! Step 1: Look at our relationship with money)💸Interview with Jasmine Rashid on Financial Activism💸Eco Friendly Gift Giving Guide For Beginners⭐️RESOURCES⭐️💸The Financial Activist Playbook, Jasmine Rashid💸Money For Change, Kara Perez💸Money Out Loud, Berna Anat💸Learn About 'ESG' Investing💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram Hosted on Acast. See acast.com/privacy for more information.

#35: When I finally understood what 'investing' actually was, I RAN and opened an investment accountBut as the first investor in my family, I made a few mistakes along the way....Tune in to hear:How I began investing (hello money happy hours!)3 Mistakes I made as a beginner investorWhere you can go to get educated on investing for retirement - responsiblyInvesting can feel complicated, but if you learn from the right person, sitting down to learn about investing will be the greatest thing you ever did.PLUS: Building Wealth is for EVERYONE (not just the 'rich'), and you can get started with investing with just $10.See you in the show!⭐️RESOURCES⭐️💸Sign up to the Newsletter to be informed of upcoming money events💸FREE: 'Retire on Time' Workshop replay by Mariel Amador💸FREE 60 minute beginner investor video by Jeremy Schneider⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸I worked in Tech and was made to feel like I could never understand investing. Now I teach other women how to invest.⭐️CONNECT WITH MARIEL⭐️💸Work 1:1 with Mariel here💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#34: Being 'good' with money isn't a thing. And also, have you looked around lately? It's quite hard to exist #whyiseverythingsoexpensiveEnough with the unproductive self-talk. Instead focus on the belowMindset: Stop saying 'I'm terrible with money', your brain will believe you. Instead try 'I get better with money every day'.Habits: When's the last time you audited your habits? e.g. Does tap to pay REALLY 'save your life'? Or does it lead to more purchases due to easeSystems: If you rely on 'willpower' and 'willpower' only, you may take longer to reach your goals. Just set up your systems amiga. You've got a life to liveNobody is 'good' with money and it's time we stopped using that as a measure of our abilities. Instead, lets focus on the beliefs, habits, and systems that'll get us where we're meant to go.Ready to reach your money goals? Well friend, you're in the right place. Stream it now and send it to a friend!⭐️⭐️RESOURCES⭐️⭐️💸'Buy Your First Investment' bootcamp waitlist💸Money Mindset Isn't About Believing In Yourself. It's About Your Money Story💸Calculate if you're spending more than you're earning💸Fix Your Money: 6 Episode Audio Course⭐️RELATED PODCAST EPISODES⭐️💸If You’re A Latina, It’s Time To Invest. No More Excuses💸How To Stop Underearning And Make More Money⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#33: For years, I held onto my JCPenney credit card because I was afraid of what would happen to my credit score if I closed this account.After lots of reflecting, I decided that I was too abundant to hold onto this card (that I only used when they threatened to close due to inactivity) solely because of fear.Entonces que paso? Pues amiga, you'll have to tune in to find out.See you in the show!P.s. Read this article to understand what makes up your credit score 'What's a FICO score?'⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Car Loan Horror Story: Don't Get Pressured At The Car Dealership💸I Cleaned Tables To Afford A New iPhone (And Avoid CC Debt)💸If You're A Latina, It's Time To Invest, No More Excuses⭐️RESOURCES⭐️💸Fix Your Money: 6 Episode Audio Course💸Subscribe to my Newsletter to stay updated on upcoming money workshops and events💸Follow Mariel on Instagram Hosted on Acast. See acast.com/privacy for more information.

#30: If you just kept going - you'd WIN.No comparing yourself to Fulano y Mengano. No 'shouldn't I have X, Y, Z by now'?Just FULL BODY FAITH that you are that GIRL. That gets things done, that executes.In this episode, I talk about what I learned by running my very first half-marathon with minimal training.Trusting YourselfStaying in Your LaneFocusing on the Long TermComfort with DiscomfortTune in for the loving push you've been needing to execute on those goals, amiga. Success is around the corner so quit being a baby and keep going.Un Beso,Mariel Amador⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸My Business Flopped So I'm Going Back To Teaching💸I Entered A '10k In 20 Days' Challenge And I Didn't Reach My Goal💸Why You Arent Taking Action⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram Hosted on Acast. See acast.com/privacy for more information.

#29: The top expenses in yo life are:1. your mortgage/rent payment2. the food you eat (including fast food)3. YOUR CAR PAYMENTI made an impulse decision to buy a NEW car (literally I drove it off the lot with 8 miles on it) and that decision rippled into me tripling my loan size and me still paying off that car 6 years later.Tune in to hear how in the heck this happened and would I would do differently if I could do it all again.P.S. Do me a favor - send this episode to the amiga that needs this word of caution!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸How To Stop Underearning and Make More Money💸How to Break Free from the Money Story Holding You Back💸If You’re A Latina, It’s Time To Invest. No More Excuses.⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter to stay updated on upcoming money workshops and events💸Follow Mariel on Instagram Hosted on Acast. See acast.com/privacy for more information.

#28: Do you care about the planet and about where your money goes?Well friend, I've got JUST the episode for you.In this episode, I outline 7 eco-friendly gift ideas that are thoughtful, are kind to mother nature, and that will have you feeling proud of your purchasing decisions at the end of the holiday season.Plus I outline some eco-friendly tips like:Stop being a people pleaser when gift giving (the debt isn't worth it bestie)Avoid trends (it'll end up in the trash)UNDERSTAND THAT MARKETING'S JOB IS TO MANIPULATE YOUASK people what they actually want.You can create magic without breaking the bankTo all the tree huggers, old and new, this here episode is the one for you. P.S. Send it to your friend!⭐️⭐️RECOMMENDED PODCAST EPISODES:⭐️⭐️✨5 Ways to Save Money This Holiday Season✨Black Friday DOs and DONTs: Listen before you shop⭐️⭐️WORK WITH ME:⭐️⭐️💸60 minute 'Open Your IRA' Kickstart💸3 Month Money Coaching Program💸Follow Mariel on Instagram💸Subscribe to my Newsletter to be updated on upcoming money workshops and events Hosted on Acast. See acast.com/privacy for more information.

#27: Black Friday hunger games is upon us. Are you ready, amiga?My 3 step process to shopping SMART this Black Friday:Acknowledge: acknowledge that you're about to be INUNDATED with sales you may not need. Pause, and consider if you really need the thing OR if you're experiencing darn good marketing.Plan: Make a list of items/experiences you need and value and a general budget for it. This'll help guide your decision makingShop Local: give your neighbors your money! Not the corporationsTune in to hear all of this y mas and send the podcast episode to the amiga who's gearing up for Black Friday shopping tambien.See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸5 Ways To Spend Money This Holiday Season💸If You're a Latina, It's Time To Invest. No More Excuses💸I Saved Money On Housing By Renting A Room For Four Years⭐️RESOURCES⭐️💸Buy the 'Open Your IRA' Kickstart💸Subscribe to my Monthly Newsletter to stay tuned to upcoming money events and challenges💸Follow Mariel on Instagram💸 Visit the Money For Mujeres Website Hosted on Acast. See acast.com/privacy for more information.

#26: In this episode, I share my journey with food stamps as a child and again as an adult. I also talk about how some people are worried about the WRONG things! With wealth inequaity at an all time high, we need to shift our focus to the rich NOT on what people have in their grocery carts.The filthy rich? Yeah, they have ISSUES. But, can we replicate the wealth building strategies of some to reclaim collective power? Like saving for retirement early on and teaching our children how to invest responsibly from a young age? We sure can. See you in the show!⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You Back⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Fix Your Money: 6 Episode Audio Course💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing [email protected] Hosted on Acast. See acast.com/privacy for more information.

#25: After paying thousands in credit card interest, I vowed to never pay CC interest again if I could help it.So, I became a busgirl to upgrade my old iPhone 6 because amiga, I did NOT have the 1k cash to buy it.Tune in to listen to the second weekly episode of the 'Q4 Lock-in Challenge'.And let me know what I should talk about next on Instagram @moneyformujeres or e-mail [email protected]⭐️⭐️RECOMMENDED PODCAST EPISODES⭐️⭐️💸5 Ways To Save Money This Holiday Season💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You Back💸How I Saved Money On Rent By Renting A Room for 4 Years⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram Hosted on Acast. See acast.com/privacy for more information.

#24: Sometimes, we just don't have enough money. This episode is a BTS into the day to day money decisions we often face.Balancing enjoying life with saving for the future can be difficult, especially when you dream of bigger, better, and brighter. In this episode I share about all the fun things I want to do, pero pues no me alcansa bc la verdad.See you in the show!⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram⭐️Recommended Podcast Episodes⭐️❤️‍🔥Stop Underearning and Make More Money❤️‍🔥My Partner Makes 2x More Than Me. Here's How We Split Expenses❤️‍🔥How To Break Free From The Money Story That's Holding You Back Hosted on Acast. See acast.com/privacy for more information.

#23: You can afford anything, but not everything -Afford Anything podcastThroughout my 20s, I stayed at my low paying jobs because I wanted the flexibility they gave me.But, my refusal to get a 'big girl job' kept me broke.Worse, it kept me from see the bigger issue: I didn't think I could earn more money.If you've ever wondered, 'Why haven't I made more money in my career?', this episode is for you.See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸How to Stop Underearning And Make More Money💸How to Break Free from the Money Story Holding You Back💸Why You Aren't Taking Action⭐️RESOURCES⭐️💸Work with Mariel 1:1💸Follow Mariel on Instagram💸Subscribe to my Newsletter to stay updated on upcoming money events Hosted on Acast. See acast.com/privacy for more information.

#22: Are you actually underpaid or do you just not believe that you can make more money?💸As someone who grew up watching my parents work 2 jobs to make ends meet, I grew up thinking I had to do the same. These unchecked beliefs kept me broke for far too long. Additionally, the fact that I was already breaking cycles - like being the first to graduate college, being the first to fly internationally, being the first to land a corporate job - made it really difficult for me to see that HOLD UP: MORE is still available to me. I don't have to stop at just having it 'better than my parents'. In other words - I don't have to stay broke.In this episode Cara Santamaria - career growth coach, speaker and host of 'The First Gen Coach' Podcast, breaks down the mindset shifts required to go from dreaming of more money to ACTUALLY making more.Carla gives us a 3 step roadmap to stop underearning and make more money.Double your beliefGet CLEAR on what you wantSchedule the time to apply to jobs (or if an entrepreneur, to make those CEO moves!)Carla did not hold back. Amiga, are you ready to make more money? Tune into this episode and learn how.⭐️⭐️CONNECT WITH CARLA⭐️⭐️✨Connect with Carla on Instagram✨Work with Carla✨First Gen Coach Podcast⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸How To Break Free From the Money Story That Is Holding You Back💸My Business Flopped So I'm Going Back To Teaching💸I Entered a 10k in 20 Days Challenge And Didn't Reach My Goal⭐️CONNECT WITH MARIEL⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram Hosted on Acast. See acast.com/privacy for more information.

#21: What does it mean to 'fail' at something? And is 'failing' even a bad thing?Tune into this unscripted, unedited podcast episode to hear:How the '10k in 20 days challenge' came to beHow it wentWhat happens nextGOAL UPDATE: $5,500/$10,000 REACHED.Learning and being inspired through stories is my favorite, so I hope my experiences moves you to do something BOLD. See you in the episode!Mariel Amador⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸How I Saved Money on Housing by Renting a Room for 4 Years💸How to Break Free from the Money Story Holding You Back💸My business flopped so I'm going back to teaching💸Why You Arent Taking Action⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸'Retire Ready': the 3 session intensive here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram Hosted on Acast. See acast.com/privacy for more information.

#20: Have you ever been made to feel like you couldn't do something? But low key, you knew that you absolutely could?In this episode, I share with you how the tech bros at my old corporate job are the reason why I built Money for Mujeres.Episode Highlights:I thought I couldn't do it so I said 'not for me' and gave up on it for 5 yearsLater I found out I COULD do it, and that it wasn't 'too complicated'How you can invest too with $10 at a time, and then teach everyone you care about how to do it tooI could be angry that I was made to feel incompetent. But, I'm glad because if I hadn't been, I wouldn't have become the 'Retire on Time' teacher. Thank you, tech bros for handing me my life's passion.⭐️RESOURCES⭐️💸Grab Your Open Your IRA Kickstart here💸FREE: Grab Mariel's 'RETIRE ON TIME' Workshop Replay💸FREE: Investing for Beginners Video Here 60 minute video. The end of the video shows you how to open an IRA step by step. (I use Fidelity for my IRA)⭐️RELATED EPISODES⭐️💸If You're A Latina, It's Time To Invest. No More Excuses. 4 Reasons To Invest Now.⭐️RESOURCES⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Send your money question over on Instagram! Hosted on Acast. See acast.com/privacy for more information.

#19: Does taking the scenic route make us losers? No friend, it makes us present, joyful, and human.In this episode I share the reasons I'm going back to teaching after taking a year off to focus on my business.I considered 3 things:Financial stabilityWhere I am relative to my long term goals + how I FEEL about where I am on the journeyMy partner and our well being as a coupleThis episode is full of chismecito, stream it now, and then run over to instagram to let me know your thoughts!⭐️Podcast episodes mentioned today⭐My Partner Makes 2x More Than MeI made $601 and Spent 16k in 2024Get To Know Your Brain Episode💸💸💸WORK WITH ME💸💸💸3 Month Money Coaching ProgramFollow Mariel on Instagram⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You BackWant more personal finance for Latinas? Send your money question over on Instagram!Please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#17: How do I save money if I have variable income? How do I know if I'm saving enough money to cover my personal expenses?This episode is for the person who has variable income and wants to plan ahead for the 'slow' months or no income months.Save money for slow months in 3 steps:Step 1: Calculate your bare bones budgetStep 2: Open a High Yield Savings Account with a bank that is 'FDIC' insuredStep 3: Every month send any 'extra' money above your monthly expenses into your savings to use for your slow seasonsHave a question about something I didn't answer? Send your question to me over on Instagram! See you in the show!P.S. Send this to your entrepreneur, creative, or small biz owner friend who needs this info!💸Work with me 1:1💸Schedule your 1:1 Consultation call here⭐️RELATED PODCAST EPISODES⭐️I spent 16k and made 601 in my biz in 20245 ways to save money during the holiday season⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You Back Hosted on Acast. See acast.com/privacy for more information.

#16: Do you and your partner split expenses in an 'equitable' way? Meaning, does the higher income earner pay more?In this episode, my partner of 2 years and I share how we manage money as a couple including, who pays for what, do we have joint bank accounts, does one pay more for 'fun' stuff and what happens when we have different POVs on spending?We talk about the shame that can come up when 1 partner makes less than the other and the empathy required to have difficult money conversations.In the second half of the episode, I throw some rapid fire audience questions at Edward, like:How did we initiate the conversation around money?How do we gift give in our relationship?Do we use non violent communication when talking to each other?What about pre-nups?I told Edward to be honest in this interview. And I'm not going to lie.... he took that to heart. (phew)You don't want to miss this episode!⭐️⭐️RELATED PODCAST EPISODES:⭐️⭐️Money Red Flags in CouplesHow to Break Free from the Money Story Holding You BackI Can't Afford to Go Out, How Do I Politely Tell My FriendHow I Saved Money On Housing By Renting A Room For Four Years💸EXTENDED LEARNING💸'Aging' Your Money (Having a 30 day buffer)Ramit Sethi on splitting expenses in an equitable wayRESOURCES:💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.Want more personal finance for Latinas? Send your money question over on Instagram!Please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#15: Ever wonder why despite REALLY wanting to, and despite making a plan, and telling yourself over and over you'll do something, you just can't seem to make it happen? This episode is for the person who is done shaming themselves about it and who is READY to get to the root of why making a change is so hard. More specifically, it's for the person who is ready to take the action required to make a change.⭐️⭐️Super Mega Spoiler⭐️⭐️You aren’t taking action because your subconscious thoughts are overpowering your conscious ones.Your brain is defaulting to survival patterns that have worked for you so many times before - but this keeps you playing small.It’s time to explore your subconscious, rewire your habits, and take the action you're meant to.Tune into this episode to hear:A case study: How my unresolved experiences led to issues with self trust and visibility and how this led to not making big moves in business.Learn how to witness and acknowledge YOUR limitations and break free from constrictive patterns that no longer serve you: lessons from Peter Krone aka the mind Architect.Discern whether you want to live your best but limited life OR whether you are willing to break down your subconscious limitations and allow the abundance that's already yours to flow in.⭐️⭐️After you finish this episode, Listen to Jasmine Star’s episode with Peter Krone aka the mind architect to REALLY wrangle with your subconscious mind⭐️⭐️💸LISTEN TO RELATED EPISODES:💸How to Break Free from the Money Story Holding You BackHeal Your Money Mindset: How to Start Understanding Your Money StoryRESOURCES:💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram🥾Want to connect with nature and tap into self?🍃Check out Ching@ Tu Money sponsor:Emerge Educational ConsultingJoin a walking adventure here.⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You BackWant more personal finance for Latinas? Send your money question over on Instagram!Please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#14: Business isn't ever what it seems💸Social Media shows us the highlights - but what's REALLY going on behind the scenes?In this episode, I'm sharing with you my FOR REAL 2024 numbers. It's true friend, I spent way more than I made. I also share with you some BTS of the mindset work required to build something from the ground up. That scarcity mindset ya'll. It's a sneaky thing. I share with you some of my struggles and what you can do to be mindful of your subconscious thoughts too.See you in the show!💸Related Podcast Episodes💸How to Break Free from the Money Story Keeping You Broke⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How I Saved Money On Housing By Renting A Room For Four Years⭐️⭐️RESOURCES:⭐️⭐️💸Work 1:1 with Mariel here💸Follow Mariel on Instagram💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them🥾Want to connect with nature and tap into self?🍃Check out Ching@ Tu Money sponsor:Emerge Educational ConsultingJoin a walking adventure here.Want more personal finance for Latinas? Send your money question over on Instagram!Please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#13: What does financial abuse in families look like?💸Can my own sibling inflict financial abuse on me? What about a cousin? A distant relative? The answer is absolutely.In this episode, I went to Reddit to share some real life examples of financial abuse in families. Financial abuse is a spectrum, it can be something small or something that takes 100% of control from an individual.Then, Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I have a conversation about money red flags in families. We also briefly touch on the financial burden that often is left to the child of an aging parent.Finally, we discuss how even when our loved ones are healing money traumas of their own, it is not on us to be the solution to their every issue. There are other ways we can help, both empowering them and not inhibiting our personal growth. 💸Make sure you check out Episode 11 to learn the 4 step process of non-violent communication. Justine walked us through having a successful yet difficult money conversations with loved ones.⭐️⭐️RESOURCES:⭐️⭐️✨Reddit thread with real scenarios✨Dopamine and effects on addictive behavior💸Buy Justine's Book, GIRL, JUMP! Creating a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram🥾Want to connect with nature and tap into self?🍃Check out Ching@ Tu Money sponsor:Emerge Educational ConsultingJoin a walking adventure here.⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You BackWant more personal finance for Latinas? Send your money question over on Instagram!Please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#12: What does financial abuse in friendships even look like?💸And why is it so hard to talk about money with friends?In this episode:I list some friend money red flags to look out for like being the ‘go to’ friend for money related things OR being pressured to spend more than you want to.Then, Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I have a casual conversation about money red flags we’ve seen or experienced. (Ever get asked to be a bridesmaid but lowkey didn’t want to spend the money?)Finally, I spill the tea ya’ll! I share some personal friend financial faux paus and where I am now in my own money healing journey.Make sure you check out Episode 11 to learn the 4 step process of non-violent communication. Justine walked us through having a successful money conversation with a friend.⭐️⭐️RESOURCES:⭐️⭐️💸Follow Justine on Instagram💸Buy Justine's Book💸Info on Mariel's 1:1 3 Month Money Coaching here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram🥾Want to connect with nature and tap into self?🍃Check out Ching@ Tu Money sponsor:Emerge Educational ConsultingJoin a walking adventure here.Want more personal finance for Latinas? Send your money question over on Instagram!Please leave a review to help me keep spreading the financial literacy word. Ciao!⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You Back Hosted on Acast. See acast.com/privacy for more information.

#11: Listen. Sometimes we just can't afford that thing that our friend/family wants us to do. And other times - we just don't want to spend our hard earned money there.How do we communicate our needs lovingly? And without pissing our loved ones off?Justine De Peralta, Certified Financial Education Instructor, Domestic Violence Counselor, and Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ walks me through the 4 steps of non-violent communication.Share an observationShare your feelingShare your needsTie it together with a request: e.g. 'Would you be willing to have dinner at a non fine-dining restaurant'?My friend, Justine De Peralta, is coming to San Antonio at the end of the month, and I only have $80 to spend during her time here. I practice using these 4 steps with this real life example on this episode! It was NOT easy.Was Justine REALLY okay with this budget? How did I approach the conversation? And does it mean I'm cheap?Tune in for this and so much more!⭐️⭐️RESOURCES:⭐️⭐️💸Follow Justine on Instagram💸Buy Justine's Book💸Info on Mariel's 1:1 3 Month Money Coaching here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram🥾Want to connect with nature and tap into self?🍃Check out Ching@ Tu Money sponsor:Emerge Educational ConsultingJoin a walking adventure here.⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You BackWant more personal finance for Latinas? Send your money question over on Instagram!Please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#10: Financial Abuse can be hard to identify and is present in nearly 99% of total domestic violence cases.What financial red flags do I look for in romantic relationships? How do I know if I am experiencing financial abuse?Today Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I chat about some financial red flags to look out for.Key Takeaways:If something doesn't feel right when it comes to money in your relationship, explore that feeling. You are more capable than you know.Financial Abuse is a spectrum. It can be total dependence on your partner. It can be your partner sabotaging your work. It can be your partner griping at every single purchase you make or being sneaky about their money. Listen to the signs your body gives you. Then, find your next right step.Justine shares 3 general tips one could take to have more autonomy of their money. For a personalized safety exit plan, visit the resources linked below.Justine is a Certified Financial Education Instructor, a Domestic Violence Counselor and Author. Justine specializes in helping BIPOC women and domestic violence survivors develop confidence and financial literacy skills needed to navigate challenging financial situations.Help me spread this very important message and send this to someone you know NEEDS to hear this message.⭐️⭐️RESOURCES:⭐️⭐️IF YOU ARE IN IMMEDIATE DANGER, DIAL 911.Domestic Violence Support:From the site: ‘Internet usage can be monitored and is impossible to erase completely. If you’re concerned your internet usage might be monitored, call: 800.799.SAFE (7233)’ Domestic Violence SupportFind a Shelter or Program Near YouSafe Horizon Program💸Buy Justine's Book💸Info on Mariel's 1:1 3 Month Money Coaching here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram⭐️⭐️Podcast Episode (minute 35:08) of the woman who was on the hook for her ex husbands tax bill⭐️⭐️🥾Check out today's sponsor:🍃Emerge Educational ConsultingJoin a walking adventure here.⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You BackWant more personal finance for Latinas? Send your money question over on Instagram!Please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#9: With the ability to buy just a few dollars of an investment at a time, the ONLY thing holding you back from investing is fear.Y amiga, who benefits from your fear? Investing for retirement can be simple. And I’m here to help you. Because of our friend inflation, there is no way to ‘save for retirement’ without buying investments in a retirement account.Your money needs TIME to grow in the stock market. In fact, time is the biggest indicator of how much your money will grow. Start now. Even $5 at a time.Investing can be simple. I invest for retirement, and ignore all of the 'crypto this, nfts that, and day-trading' noise. Buy quality investments, and hold them until you retire.You are worthy of having the option to actually stop working at retirement. Don't let these society convince you that its too hard or its too complicated.We run through a demo of actually buying an investment on my iPhone 13 mini.I also walk you through a compound interest calculator so you can see how much your money can grow. Even $5 at a time.If you do anything for yourself this year, PLEASE listen to this episode in it’s entirety.65 year old you will be so glad you did. ⭐️⭐️⭐️RESOURCES⭐️⭐️⭐️Calculate how much your money can grow:💸Run through this Compound Interest Calculator💸Need help opening your IRA?💸60 minute 1:1 Money Class💸3 Month Money Coaching Program here💸Free Beginner Investor class:💸Watch Jeremy’s Free 60 minute beginner investing videoGrab Mariel's 'RETIRE ON TIME' Workshop Replay💸Purchase Jeremy's full beginner investing course: (affiliate link)💸Build Wealth by Investing in Index Funds💸To choose your IRA:💸ROTH IRA or Traditional IRA? Read up here💸Demo of me buying a fractional share:💸How to buy an investment screenshots💸Come to one of my Money Workshops:💸Money workshop waitlistWant more personal finance for Latinas? Send your money question over on Instagram!And leave a review to help me spread the personal finance word! Ciao! Hosted on Acast. See acast.com/privacy for more information.

#8: Most of us want to level up our money mindset and better understand our money traumas. Yet, oftentimes, we don't know where to start.Jasmine Lopez, a joy-based money coach and founder of financial wellness brand, Mentally Mutually, shares how to take the first step in understanding our money mindset."Oftentimes a lot of the trauma in our lived experience is held in our body" she said. "An invitation for us is to pause and be able to say, 'I am going to give myself the permission to pause, so that I can connect with my body, so that I can identify, What are these triggers?' And here are some ways that I can move my body, talk through my body, even yell through my body to release some of those tensions and challenges we're feeling'".Key Takeaways: Understand your money story and remove shame from itQuestion what capitalism conditions you to believeTake a moment to connect with your body when you experience a financial trigger or activation so that you can identify the next stepExperience healing in robust ways: dancing, singing, eating in community, connecting to breathThe journey to financial abundance is on-going, stay the courseJasmine grew up in a single parent Latina home on the southwest side of Chicago. After filing for bankruptcy in 2010, Jasmine redefined what success looked like to her. From creating her nonprofit, The Firehouse Dream, to founding a financial wellness brand, Mentally Mutual, Jasmine continues to advocate for pay equity for herself, her family, and the community around her.Don't miss this episode! See you in the show!⭐️⭐️RESOURCES:⭐️⭐️💸Follow Jasmine Lopez on Instagram💸Check out Jasmine's Financial Wellness Brand💸Listen to Ep. 5: 'How to Break Free From the Money Story That is Holding You Back'💸Info on Mariel's 1:1 3 Month Money Coaching here⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You Back🥾Want to connect with nature and tap into self?🍃Check out today's sponsor:Emerge Educational ConsultingJoin a walking adventure: https://emergingyoungadults.com/Connect with Emerge Founder Andrew Bryan on InstagramWant more personal finance for Latinas? Send your money question over on Instagram!Subscribe now to be the first to hear about new episodes and please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#6 Worried about overspending this holiday season? Feeling stressed about not giving as many gifts as you'd like? If so, then this is the episode for you.In this episode we learn which 5 things will help you not go broke this holiday season. We also talk about slowly pivoting away from consumerism and taking baby steps towards value-based giving.There is an art to meaningful giving. I have been 'cheap' before. I've also given useless gifts for the sake of giving before. I've racked up credit card debt when I should have set a boundary for myself before. But, no more. My gift giving evolves as I do. And so will yours.See you in the episode!⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You Back⭐️⭐️RESOURCES:⭐️⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Send your money question over on Instagram!Subscribe now to be the first to hear about new episodes and please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#5: Are you living in the past, amiga?Today's episode highlights the importance of reflecting on the money habits and lessons we observed as kids. Are those lessons holding us back? And if so, what can we do to break free?We also discuss how the people around us - whether explicitly or subconsciously influence how we see the world - and therefore what we think is possible.Finally, we talk about the importance of saying goodbye to our old identity and stepping into our new identity. No matter, how freaking terrifying that might be.See you in the episode!⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How I Saved Money on Housing By Renting a Room for 4 Years⭐️⭐️RESOURCES:⭐️⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Send your money question over on Instagram!Subscribe now to be the first to hear about new episodes and please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#4: 'You can afford anything, but not everything' -Afford Anything Podcast.By renting a room in a house for 4 years, I was able to repeatedly max out my IRA - even on 30k a year. What led me down that path? A monthly car payment that was MORE than what I was paying in rent.This episode introduces the idea that we can and should challenge society's expectations of us. Need to get a roommate for a few months to free up some cash? Do it. Want to be a 1 car household for a year? The choice is yours and the options are limitless. Enjoy the show!Make sure you show our sponsor some love! Visit tienditaelretonito.com to snag handmade Mexican cositas for yourself and for anyone you love!⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸My Partner Makes 2x More Than Me. Here's How We Split Expenses💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You Back⭐️⭐️RESOURCES:⭐️⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Send your money question over on Instagram!Subscribe now to be the first to hear about new episodes and please leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

#2: IM IN JAPAN! I’ve been saving $ an entire year for this trip and I’m finally here! 2 days ago, I finished the “Build Wealth While Broke” workshop fundraiser for Palestine and I’m TIRED! In order to practice boundaries, today’s episode is a replay of an incredible money conversation I had with Gracie, from the Mija Listen Podcast.In this episode, we talk about scarcity mindset, how upbringing influences our relationship with money, y mucho mas. Gracie is a talented interviewer, this conversation is one of my favorites and I can’t wait for you to hear it! Thank you Gracie for allowing me to share this incredible conversation on the Ching@ Tu Money podcast. Everyone, please go give Mija Listen a follow on your favorite podcast player and on instagram @mijalisten.RESOURCES:💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Send your money question over on Instagram!Subscribe now and leave a review to help me keep spreading the financial literacy word. Ciao! Hosted on Acast. See acast.com/privacy for more information.

Subscribe to Ching@ Tu Money, where we learn about all things dinero through stories. Whether you are working on your scarcity mindset like me, or have reached major money milestones already, this podcast is for you. Hasta pronto!⭐️⭐️RESOURCES:⭐️⭐️💸Work 1:1 with Mariel here💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on Instagram Hosted on Acast. See acast.com/privacy for more information.