Wealth Para Todos: Financial Security through Self-Care

Join the waitlist for Wealth Para Todos Academy In this episode of the Wealth Para Todos podcast, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, addresses the complex and emotionally charged topic of planning for aging parents' retirement. Soledad delves into why first- and second-generation adults often bear the financial and emotional responsibility of supporting their parents, highlighting systemic barriers that have prevented previous generations from achieving financial security.  They outline actionable steps such as understanding parents' current financial situations, strengthening their accounts, setting up emergency and sinking funds, and exploring future housing and income options. Throughout, Soledad emphasizes the importance of financial flexibility and maintaining one's own financial stability. This episode is a blend of emotional, relational, and financial advice aimed at helping listeners build a sustainable plan for their parents' retirement without sacrificing their own wellness. 00:00 Introduction to Wealth Para Todos Academy 00:41 The Emotional Labor of Planning for Aging Parents 02:13 Systemic Inequities and Their Impact on Wealth Building 05:50 The Emotional Weight of Financial Planning 15:52 Strategies for Supporting Your Parents' Retirement 24:42 Conclusion and Final Thoughts  

Join the waitlist for Wealth Para Todos Academy In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino discusses the common struggle among first-generation wealth builders of opting for cheaper, lower-quality items despite having the means to afford better options.  Soledad explores the psychological and emotional reasons behind this behavior, such as scarcity conditioning, self-concept lag, and cultural narratives. They introduce the concept of aligned spending and provides a five-step framework to help listeners transition from spending out of fear and scarcity to spending with neutrality and joy. The episode concludes with practical advice and an invitation to join Wealth Para Todos Academy for further financial and self-care coaching. 00:00 Introduction to Wealth Para Todos 00:21 Understanding Scarcity Conditioning 02:52 The Emotional Impact of Spending 07:03 Spending from Scarcity vs. Neutrality vs. Joy 12:38 Aligned Spending Framework 16:33 Conclusion and Next Steps 17:51 Wealth Para Todos Academy Announcement 18:47 Final Thoughts and Disclaimer    

Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list  In this episode of Wealth Para Todos, host Rita-Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, addresses a common listener query on how to integrate self-care into a full-time job. Key insights include setting boundaries at work, recognizing the impact of workplace culture on personal wellness, and adopting a 24-hour self-care strategy. The episode concludes with actionable steps for integrating self-care into daily routines and tips for protecting post-work energy. 00:00 Introduction to Wealth Para Todos 00:21 Incorporating Self-Care at a 9 to 5 Job 01:25 Personal Experience and Overworking 02:41 Evaluating Your Relationship with Your Job 05:28 24-Hour Self-Care Strategy 06:58 D.I.V.E.R.S.E. Self-Care Explained 10:49 Setting Boundaries at Work 15:47 Final Thoughts and Staying Connected

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, addresses a listener's question about choosing a partner to build wealth with. Drawing from their personal experiences, including growing up with a financially independent single mom and her two marriages, Soledad explores the psychological and emotional facets of financial planning within a relationship. Soledad also discusses common money-related personality types, the importance of self-awareness and emotional regulation, and the need for open communication and value alignment with a partner. They emphasize that mutual financial growth depends on nurturing a growth mindset. The episode also includes practical advice on individual and shared financial planning, promoting the idea that while a partner shouldn't be your only financial plan, a partnership can significantly contribute to financial well-being when approached consciously. 00:00 Introduction and Mission 00:21 Listener's Question: Choosing the Right Partner for Wealth Building 01:02 Personal Story: Growing Up Valuing Financial Independence 03:30 First Marriage: Financial Lessons Learned 06:23 Understanding Money Personalities 09:09 Second Marriage: Building Financial Security Together 11:50 Key Traits for Financial Compatibility 19:46 Final Thoughts and Next StepsOther Wealth Para Todos Podcast episodes referenced in this episode:  #30: Why Every First-Gen Wealth Builder Needs a Loved One Emergency Fund #28: Breaking Free from Hyper-Independence: How Interdependence Builds Financial Security Episodes #12 - #18 discuss the 10 stages of financial security 10 Stages of Financial Security HandoutBook a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list    

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino shares their journey of building a six-figure business as a queer Mexican-American money and self-care coach. They discuss the challenges they faced in their first few years, including insecurities, marketing struggles, and mindset barriers. Soledad also outlines the strategies and frameworks they employed to consistently bring in $100,000 in revenue annually and highlights the importance of self-care, mindset coaching, and long-term planning. The episode wraps up with actionable advice for listeners who aspire to achieve similar financial success without sacrificing wellness. 00:00 Introduction to Wealth Para Todos 00:21 Small Business Revenue Insights 01:09 My Journey to Six Figures 01:58 First Year Challenges and Lessons 04:25 Strategies for Success 07:34 Launching Wealth Para Todos Academy 10:33 Overcoming Perfectionism and Pressure 15:18 CEO Era and System Development 16:50 Consistent Six-Figure Strategies 20:09 Final Thoughts and Encouragement Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list      

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, discusses the inevitability of disappointment throughout the wealth-building journey. They explore how the feeling of disappointment can occur in various stages, such as nurturing a positive money mindset, developing financial literacy, knowing your numbers, and increasing your income. Soledad shares their personal experiences with handling disappointment and presents a framework developed by her business coach to navigate this emotion with self-compassion. This episode provides listeners with practical advice on managing disappointment, nurturing patience, and employing comforting self-care practices, all aimed at helping listeners grow their financial security without sacrificing their wellness. 00:00 Introduction to Wealth Para Todos 00:21 Understanding Disappointment in Wealth Building 02:14 Nurturing a Positive Money Mindset 04:30 Developing Financial Literacy 05:24 Reviewing Your Numbers 06:20 Increasing Your Income 07:54 Personal Experiences with Disappointment 14:25 Framework for Managing Disappointment 16:17 Nurturing Patience and Comforting Self-Care 18:42 Recap and Final Thoughts 19:42 Conclusion and Next Steps Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list      

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, shares their detailed quarterly financial reflections for both personal and business finances. Soledad emphasizes the importance of regular financial check-ins and aligns financial goals with personal values. They discuss their income, mortgage, debts, and sinking funds, highlighting both her achievements and challenges. Soledad also covers business revenue, expenses, and future planning, aiming to guide listeners in setting and achieving their financial goals effectively. The episode underscores the significance of self-care in wealth-building and managing finances holistically. 00:00 Introduction and Mission 00:21 Quarter Three Financial Reflections: Personal and Business 01:07 Income and Earnings Breakdown 03:02 Debt and Net Worth Update 06:46 Sinking Funds and Financial Security 10:02 Systems and Adjustments 12:23 Emotional and Mindset Check-In 15:39 Business Finances and Future Goals 23:54 Conclusion and Final Thoughts Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list 

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, addresses the complexities of family planning and financial considerations. Inspired by a listener's question, Soledad shares their personal journey of becoming a parent, the financial challenges they faced, and the importance of community support. The episode covers the unique financial aspects for heterosexual couples, couples using IVF, and queer couples, providing detailed insights on medical costs, childcare expenses, life insurance, and legal considerations. Soledad emphasizes the significance of intentional financial planning while understanding that unforeseen circumstances can arise, and they offer practical advice for creating stability and peace in the process of growing a family. 00:00 Introduction and Mission 00:21 Inspiration for the Episode 01:12 Personal Journey to Parenthood 10:16 Financial Planning for Parenthood 14:55 Expenses for Heterosexual Couples 19:09 IVF and Fertility Costs 20:45 Queer Family Planning 23:59 Final Thoughts and Encouragement 24:28 Podcast Promotion and Services 25:56 Conclusion and DisclaimerBook a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list 

In this episode of Wealth Para Todos, host Rita-Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, delves into the concept of scarcity wounds and their impact on financial wellness and self-care. Soledad explains the difference between real scarcity and internalized scarcity, and how both can coexist. They shares strategies for healing scarcity wounds through awareness, nervous system regulation, and community support. Soledad also highlights the importance of abundance in self-care practices, wealth-building, and community resilience. Listeners are encouraged to reflect on areas of scarcity in their lives and to practice small acts of abundance. The episode concludes with a call to action to share the podcast and sign up for resources like Roth IRA office hours and one-on-one coaching. Listen to these episodes for more information: Episode 28: Breaking Free from Hyper-Independence: How Interdependence Builds Financial Security Episode 25: Reactive vs. Proactive Self-Care: What's the Difference and Why It MattersEpisode 9: The Wealth Building Cycle: 4 Steps to Sustainable Financial Security  00:00 Introduction to Wealth Para Todos 00:36 Understanding Scarcity Wounds 02:16 Real vs. Internalized Scarcity 03:49 Healing Scarcity Wounds 07:12 Scarcity in Self-Care 10:18 Scarcity in Wealth Building 12:40 Abundance in Self-Care and Community 17:04 Conclusion and Call to Action Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list 

In this episode of Wealth Para Todos, host Rita-Soledad Fernández Paulino discusses the concept of parentification and its impact on financial security.Parentification occurs when children take on adult responsibilities prematurely, either instrumentally or emotionally. The episode explores how this dynamic can both positively and negatively affect financial habits and attitudes in adulthood. Soledad shares personal experiences and offers five practical steps for healing from parentification, such as awareness, releasing over-responsibility, re-parenting, setting financial boundaries, and reframing wealth as collective care. The episode also underscores the importance of self-care in achieving financial stability and encourages listeners to seek therapy, coaching, or other forms of support. 00:00 Introduction to Wealth Para Todos 00:21 Understanding Parentification 01:23 Types of Parentification 02:11 Impact of Parentification on Children 06:59 Parentification and Financial Security 10:24 Personal Stories and Reflections 11:58 Healing Practices for Parentified Adults 18:20 Final Thoughts and Encouragement 19:36 Podcast Wrap-Up and Announcements Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list 

In this episode of Wealth Para Todos, host Rita Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, explains how negative thoughts about personal finance, termed 'Trickster Traitor Trash Thoughts,' hinder financial success. They share methods to identify these thoughts, understand their origins, and replace them with 'Playful Pleasant Pensamientos,' which encourage proactive financial behavior. Through a five-step process, listeners learn to transition from limiting beliefs to positive actions that support their financial goals. Soledad also emphasizes the importance of creating realistic and actionable financial plans that align with personal wellness. 00:00 Introduction to Wealth Para Todos 00:21 Identifying Trickster Traitor Trash Thoughts 01:59 Understanding the Science Behind Negative Thoughts 03:52 Personal Experience with Overcoming Negative Thoughts 05:46 Transforming Negative Thoughts into Playful Pleasant Pensamientos 10:23 Five-Step Process to Shift Your Mindset 13:38 Applying the Five-Step Process to Financial Goals 16:06 Conclusion and Final Thoughts 17:15 Additional Resources and Closing RemarksBook a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list   

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, shares their experience of manifesting the purchase of their first home. They introduce the high vibe, high desire, high belief framework for manifestation, learned from their coach Dr. Norma Reyes. The episode delves into the importance of aligning emotions, desires, and beliefs with one's financial goals. From personal anecdotes to actionable steps, listeners will learn how to cultivate the right mindset and emotional state to achieve financial dreams like buying a home, landing a new job, or paying off debt. Soledad also discusses her upcoming September goals and invites listeners to participate in their Roth IRA office hours. 00:00 Introduction to Wealth Para Todos 00:21 Manifesting 3000 Downloads: A Personal Story 01:32 Hiring a Manifestation Coach 02:59 The Journey to Homeownership 05:53 Understanding High Vibe, High Desire, High Belief 09:54 Applying the Framework to Financial Goals 15:46 Increasing Belief and Taking Action 18:57 Manifesting a Home: A Success Story 22:19 Conclusion and Upcoming Topics  

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino addresses the challenge first-generation wealth builders face in balancing family support with personal financial goals. Soledad introduces the concept of a 'Loved One Emergency Fund' as a solution to provide financial help to loved ones without jeopardizing one's own financial stability. The episode outlines the importance of such a fund, distinguishes it from a personal emergency fund, and offers ten practical steps to establish and manage this sinking fund effectively. Soledad also shares their personal experiences and emphasizes the cultural significance of interdependence and community care. Listeners receive actionable advice on creating boundaries, funding the account, and communicating with family about this financial arrangement. 00:00 Introduction to Wealth Para Todos 00:21 Balancing Family Support and Personal Goals 02:08 The Need for a Loved One Emergency Fund 04:28 Defining a Loved One Emergency Fund 07:43 10 Practical Steps to Create a Loved One Emergency Fund 12:00 Key Takeaways and Podcast Milestones 13:11 Call to Action and Upcoming Topics 15:31 Disclaimer Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list      

In this episode of Wealth Para Todos, host Rita-Soledad Fernández Paulino, a queer Mexican-American financial coach, addresses the complexities of money conversations beyond romantic partnerships. Soledad discusses their own mistakes, such as imposing financial advice and handing over money without boundaries, and shares successful strategies like creating a "Loved One Emergency Fund" and budgeting with joy. They introduce a framework for clear, compassionate, and effective money conversations that involves setting intentions, defining goals, checking capacity, and practicing relevant skills. By the end of the episode, listeners will have valuable tools to transform their financial dialogues from sources of conflict into opportunities for connection. 00:00 Introduction to Wealth Para Todos00:38 Expanding Money Conversations Beyond Couples03:11 Common Mistakes in Money Conversations05:28 Effective Strategies for Money Conversations07:13 Step 1: Setting Intentions and Goals13:48 Step 2: Checking Emotional Capacity16:20 Step 3: Practicing Conversation Skills21:34 Conclusion and Next Steps Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list    

In this deeply personal episode of Wealth Para Todos, host Rita-Soledad Fernandez-Paulino, a queer Mexican-American money and self-care coach, explores the detrimental effects of hyper independence on financial security and overall wellness. Reflecting on their own life experiences, Soledad explains the distinction between hyper independence and interdependence and how the former can sabotage financial progress and emotional health. They offer actionable steps to transition toward interdependence, highlighting its benefits for wealth building and personal well-being. Listeners are encouraged to recognize hyper independence as a trauma response and to practice interdependence as a skill that leads to a more stable and enriched life. 00:00 Introduction to Wealth Para Todos 00:52 The Cost of Hyper Independence 01:37 Personal Journey: From Independence to Interdependence 04:25 Defining Hyper Independence 07:45 Impact of Hyper Independence on Financial Security 10:42 Transitioning to Interdependence 12:02 Practical Steps to Heal from Hyper Independence 16:54 Call to Action and Conclusion Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list    

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, explores the common feeling of guilt after spending money. They share personal experiences and provides actionable tips on defining what 'too much' means for you, setting realistic budgets, and collecting data to spend guilt-free. Soledad emphasizes the importance of planning and reflecting on spending patterns to transform from shame-based to strategy-based spending. Listen in to learn how to create a spending plan that brings joy and financial confidence. 00:00 Introduction to Wealth Para Todos 00:21 Understanding the Guilt of Overspending 00:53 Personal Story: A Budgeting Lesson from Mexico City 03:39 Redefining 'Too Much' and Setting Realistic Budgets 06:07 The Importance of Data in Budgeting 07:37 Final Tips and Encouragement 08:20 Community Engagement and Upcoming Events 09:51 Disclaimer and Final ThoughtsBook a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list  

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino shares their P.A.I.D. off method to help Black, Indigenous, people of color, women, and LGBTQ+ folks confidently manage and pay off debt sustainably. Soledad emphasizes the importance of leveraging debt strategically without sacrificing wellness. The P.A.I.D. off method involves four key steps: Pulling your credit report, Assessing your cash flow, Intentionally choosing your payoff focus, and Determining your debt-free date. They highlight why this method is essential for building foundational debt management skills, transforming your relationship with debt, and ensuring financial decisions align with long-term goals. Soledad also addresses common struggles and offers compassionate guidance for first-generation wealth builders, reaffirming the importance of financial literacy and self-care in achieving financial security. 00:00 Introduction to Wealth Para Todos 00:21 The Importance of Debt Management 00:52 Introducing the P.A.I.D. Off Method 03:58 Step 1: Pull Your Credit Report 05:00 Step 2: Assess Your Cash Flow 06:46 Step 3: Intentionally Choose Your Payoff Focus 07:46 Step 4: Determine Your Debt-Free Date 10:02 Overcoming Challenges in Debt Management 12:31 Final Thoughts and Next StepsBook a Discovery Call to Learn More About 1:1 Coaching w/SoledadSign-up for Roth IRA Office HoursFollow me on InstagramSubscribe to my email list      

In this episode of Wealth Para Todos, host Rita Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, discusses the crucial difference between reactive and proactive self-care. They explain how proactive self-care involves intentional, regular practices to promote wellness, whereas reactive self-care is often done out of desperation. The episode discusses the D.I.V.E.R.S.E. Self-Care framework, covering seven types of self-care: Dinero, Interpersonal, Vocational, Emotional, Restorative body, Spiritual, and Environmental. Listeners will learn how to build a daily self-care routine and the importance of prioritizing their wellness without guilt. The episode concludes by inviting listeners to work one-on-one with Soledad for personalized coaching in self-care and financial planning. 00:00 Introduction to Wealth Para Todos 00:43 Understanding Reactive vs. Proactive Self-Care 01:06 Personal Stories and Examples of Self-Care 02:23 Defining Reactive Self-Care 03:52 Embracing Proactive Self-Care 04:44 The D.I.V.E.R.S.E. Self-Care Framework 08:15 Examples of D.I.V.E.R.S.E. Self-Care 15:58 The Importance of Proactive Self-Care 19:46 Final Thoughts and Invitation to Work Together 22:36 Disclaimer and Closing RemarksBook a Discovery Call to Learn More About 1:1 Coaching w/SoledadFollow me on InstagramSubscribe to my email list        

In this episode of Wealth Para Todos, host Rita Soledad Fernandez Paulino addresses how to decide when to invest in personal development, considering limited cash flow, responsibilities, and systemic pressures.They share their journey from being a public school math teacher in New York City to becoming a successful entrepreneur, detailing the free resources and low-cost strategies they used for professional growth. Soledad emphasizes the importance of support systems like nannies and housekeepers before investing in formal coaching. Additionally, they discuss their significant investments in various coaches and the mindset shifts that accompanied these decisions. The episode concludes with thoughtful questions to help listeners determine their current season of growth and the best next steps for their personal development journey. 00:00 Introduction to Wealth Para Todos 00:27 Deciding When to Invest in Personal Development 01:04 Soledad's Journey: From Teacher to Money & Self-Care Coach 01:43 The Power of Free Resources 05:21 Investing in Support Systems 08:48 Hiring a Business Coach 12:22 Working with Various Coaches 16:14 Reflecting on Personal Development Investments 17:23 Conclusion and Next Steps Book a Discovery Call to Learn More About 1:1 Coaching w/SoledadFollow me on Instagram Subscribe to my email list  

In this episode of Wealth Para Todos, host Rita-Soledad Fernández Paulino addresses a listener's question about how to convert a traditional 401k to a Roth 401k. Soledad explains the basics of traditional and Roth retirement accounts, including their pros and cons, tax implications, and strategic planning for conversions. The episode also emphasizes the importance of financial literacy and offers practical steps for investing in the stock market. Additionally, Soledad stresses the value of community support and self-care while navigating financial decisions. Listeners are encouraged to book a discovery call for personalized financial coaching. 00:00 Introduction and Mission 00:21 Listener Question: Traditional 401k to Roth 401k 00:56 Current Events and Personal Reflections 01:46 Basics of Investing in the Stock Market 05:06 Understanding Retirement Accounts 06:16 Traditional vs. Roth Retirement Accounts 12:58 Steps for Roth Conversion 16:47 When to Consider a Roth Conversion 19:27 Converting Traditional Accounts to Roth IRAs 21:23 Final Thoughts and Next Steps Tax brackets for 2025Sign-up for Roth IRA Office HoursBook a Discovery Call to Learn More About 1:1 Coaching w/Soledad