Latina Investors

"...But what about the taxes??"In this episode, I’m breaking down exactly how taxes work when you invest through a brokerage account, especially if you’re building wealth outside of retirement.If you’ve ever asked: ➡️ “What are the taxes like on a brokerage account?” ➡️ “Will I owe a big tax bill if my investments grow?” ➡️ “Is a brokerage account even worth it if I have to pay taxes?” ...this episode is for you.We’ll cover: ✅ The difference between earned vs. unearned income ✅ How dividends and capital gains are taxed ✅ When you do and don’t owe taxes (spoiler: not when your investments go up) ✅ Why brokerage accounts are still powerful even if they’re taxable ✅ How I passively made $7,000 in six months and how taxes didn’t stop that winWhether you’re worried about getting hit with surprise tax bills or just want to make a smart move with the money sitting in your HYSA, this episode will help you understand what’s actually true, so you can grow your money with confidence.💸 Want a custom investing strategy that takes the guesswork out? Book a free 1:1 call and let’s map it out: https://www.buildinggenwealth.com/work-with-me

How good are you at "spending money"? ✅In this episode, I’m breaking down the 4-part Intentional Spending Framework I teach my clients to help them spend in a way that actually feels good, not chaotic or restrictive, but aligned and empowering. You’ll learn:✅ How to align your spending with your values and life goals✅ What to ask yourself to know if a price actually feels “worth it”✅ Why overspending isn’t always a mistake if it’s conscious and deliberate✅ How this framework helps you stay on track financially without living in restrictionIf you’ve ever thought, “I just want to spend money without feeling bad about it later,” this episode is for you.Want to learn more? Book a 1:1 Money Coaching call: https://www.buildinggenwealth.com/work-with-me

“If I say no, they’ll feel what I felt, and I can’t let that happen.”I’ve had so many clients share this with me. They grew up hearing “we don’t have money”, and now that they’re parents, they find themselves saying “yes” to everything, overspending to protect their kids from the same disappointment they experienced.In this episode, I unpack what it means to parent with money wounds, why it shows up as unconscious overspending, and how to shift toward intentional choices that honor both your child and your financial goals.You’ll learn:✅ Why the desire to give your kids everything can quietly sabotage your financial peace ✅ How to know when your inner child is driving your money decisions ✅ Why your kids don’t need “everything”, they need your emotional presence and modeling ✅ A 4-part intentional spending framework I teach my clients to help them feel empowered, not guiltyIf you’ve been stuck in a cycle of spending from fear, not values, this episode will help you reclaim your role as a financially grounded parent.💸 Want support building healthy money habits and modeling that for your family?Book a 1:1 Money Coaching call: https://www.buildinggenwealth.com/work-with-me

In this episode, I sit down with fellow money coach Kelly Zúñiga to talk about how she invested $85,000 in just four years without a high salary and while navigating the responsibilities of being first gen.We go deep into the mindset shifts, small steps, and real numbers behind her investing journey, plus why both of us started out as “super savers” before learning how to grow our money.You’ll learn:✅ How Kelly went from hoarding cash to investing $500 at a time✅ The exact steps she took to build an $85K portfolio in four years✅ Why first gen professionals often feel “behind” and how to overcome that✅ The stages of becoming an investor and why information alone isn’t enoughIf you’ve been saving but feel stuck on how to actually grow your money, this episode will show you how to start investing even if you don't have a big salary or financial safety net.Want to learn how to grow your savings and start investing? Learn more about 1:1 money coaching here: https://www.buildinggenwealth.com/work-with-me🎧 Connect with Kelly on Instagram @thekellyzuniga (https://www.instagram.com/thekellyzuniga/)

Ever feel like money just isn’t clicking for you no matter how much you try to learn or how many videos you watch?In this episode, I walk you through the 4 Stages of Money Competence, a powerful framework that helps you understand where you’re at, why money still feels hard, and how to move forward without giving up. Whether you're a chronic saver afraid to invest or a spender stuck in the credit card cycle, this will show you you're not broken, you're just building a skill.You’ll learn:✅ What it looks like to be “unconsciously incompetent” with money and how to spot the moment that changes everything✅ Why being aware of your money habits isn't enough to build wealth (and what you need to move forward)✅ What most people get wrong about trying to “fix” debt or investing blocks✅ How to move from confusion to confidence and finally make saving, investing, and spending second nature💡 I also share my own experience of how I moved through these stages and how becoming a mom shifted me back into a new learning curve in business.✨ If you're in Stage 2 or 3, frustrated but still trying, this episode is for you. You don’t need more hustle. You need the right kind of support to keep going.💸 Want help moving through the money ladder faster and with less frustration?Book a 1:1 Money Coaching call here: https://www.buildinggenwealth.com/work-with-me

Ever feel like taking financial risks isn’t for people like us.. especially if you're the first in your family to build wealth?In this episode, I sit down with business coach and real estate investor Cat Del Carmen for an honest conversation about risk, regret, and wealth building as a first gen Latina. Cat shares the exact mindset that helped her go from watching her mom struggle financially to flipping a fixer-upper and selling it for $1.3M, all while building a multiple six-figure business.You’ll learn:✅ How Cat stretched her risk tolerance (and how you can too)✅ Why she invested $25k in coaching instead of saving it for a house and what happened next✅ What it really takes to make wealth building decisions when you’re the most successful one in your family✅ Why your financial ‘misses’ aren’t failures...they’re part of your wealth story✨ If you’re ready to grow your money, even if you’ve been stuck in saving mode, this episode will show you what’s possible when you start trusting yourself more than your fear.1:1 Money Coaching: Book a free sales call here: https://www.buildinggenwealth.com/work-with-me🎧 Listen to Cat's podcast “Show Up Real” and connect with her on IG @catdelcarmen (https://www.instagram.com/catdelcarmen/)

In this episode, I'm breaking down a 4 step framework that allows you to save $5k by the end of the year. As we enter the last quarter of the year, there's still so much you can do with your money. In this episode, you’ll learn:✅ Where to start to see exactly what you can already do ✅ How to redirect your money in a way that doesn't create restriction✅ Ways to bring in more income to help you reach your goals ✅ The work that allows you to sustain your goal and actually reach it Budgeting Mini Course: https://buildinggenwealth.thrivecart.com/2025-budgeting-template/The Splitting Money Cycle Podcast Episode - SpotifyThe Splitting Money Cycle Podcast Episode - Apple👉🏽 Book a call to join 1:1 money coaching program here

I'm taking you behind the scenes of my journey to pay off $13k in credit card debt. I'll share my approach to managing business finances and achieving money goals, even amidst life's hurdles.In this episode, you’ll learn:✅ How I devised a safety plan to navigate financial uncertainty and create stability✅ The importance of shifting mindset and belief to maintain focus and motivation.✅ How to adjust goals to suit new personal and financial circumstances.✅ The energy and mindset that drive successful money management and business growth.Book a call to join 1:1 money coaching program here.

Unlock the secrets of your 401 (k) in this enlightening episode of Latina Investors! Is your 401 (k) really safer than other investments, or is it just another misconception? Join me as I dive deep into the components of a 401 (k) and explore smarter investment strategies for your future. In this episode, you’ll learn:✅ The truth behind 401 (k) investment safety and its comparison to individual brokerage accounts.✅ How time and diversification play crucial roles in securing your financial future.✅ The simplicity of investing beyond retirement with index and target date funds.✅ The impact of timelines on your investment risk and returns.✅ Practical steps to start investing for various life goals beyond just retirement.Book a call to join 1:1 money coaching program here: https://www.buildinggenwealth.com/work-with-me

In this episode, I’m joined by Daisy, founder of The Liberated Latina, to talk about the connection between voice, identity, and wealth. Whether you're an entrepreneur or in your career era, your voice is one of your most powerful (and underrated) financial tools.You’ll learn:✅ How generational silencing impacts your career and money decisions ✅ What “vocal activation” actually is—and how it retrains your nervous system ✅ Why your ability to speak up is a career and wealth-building skill ✅ How to begin feeling safer using your voice in rooms that weren’t built for youDaisy also shares her personal story of leaving corporate, reclaiming her voice, and how voice work changed everything. Not just in business, but in how she moves through the world.💸 Want to learn how to build wealth in your own voice? Book a call to learn more about 1:1 money coaching here: https://www.buildinggenwealth.com/work-with-me 📲 Connect with Daisy: @theliberatedlatina

If you're first gen, building wealth isn’t just about you. It’s about your family. Your parents who might not have retirement accounts and your kids you want to set up for success.In this episode, I break down my 2-part money roadmap for first gen wealth builders: how to protect yourself first (without shame), and how to grow wealth that supports your family’s future too.You’ll learn:✅ The exact 3 steps to take care of yourself first (and why that’s not selfish)✅ Why saving comes before debt payoff and how it breaks the credit card cycle✅ When to start investing (even if you're still in debt)✅ How to use a brokerage account and kid accounts to care for your family’s futureBook a call to join 1:1 Money Coaching: https://www.buildinggenwealth.com/work-with-me

Feeling stuck in shame about past money decisions—especially around debt or business investments? You’re not alone.In this episode, I sit down with business money coach and entrepreneur Gina Knox to talk about the mindset shift that changed everything: debt neutrality.You’ll learn:✅ What debt neutrality actually means (and how it’s not just ignoring debt)✅ How she recovered from a $10k investment mistake and used it to scale to $1M✅ The strategic way to decide if a business investment is actually worth it✅ How to stay emotionally steady during launches, sales dips, and financial pivotsWhether you’re a personal finance nerd, a new entrepreneur, or someone stuck in shame around money decisions, this episode is packed with honesty, strategy, and tangible takeaways.🔗 Book a call to learn more about 1:1 money coaching here: https://www.buildinggenwealth.com/work-with-me 🎧 Listen to Gina’s podcast Small Business, Big Money for more gems like these!

In this episode, I break down exactly where to put your money to make it work for you, not just sit in a savings account. I share how I used different accounts to generate over $10K in passive income and why learning to invest is one of the most powerful skills first gen women can learn.You’ll learn:✅ The difference between “just saving” vs. actually growing your money✅ Which accounts to open based on your life goals (not just retirement)✅ How I used a brokerage account to generate $10K passively✅ Why your money should be working just as hard as you areIf you’re done relying on hustle alone to get ahead, and you want your money to start pulling its weight, this episode is for you!Ally Bank: https://ally.com/referral?code=6C2Y5T2Z9G&CP=WebAppReferFriendMarcus By GS: https://www.marcus.com/share/AND-ZH7-DE9S Join 1:1 Money Coaching: https://www.buildinggenwealth.com/work-with-me

Ever feel like money is always stressful — no matter how much you’re earning?In this episode, I break down the 3 essential money skills that have helped me feel financially secure, even when I was making $22k a year. Whether you're just starting out or already earning more, these are the skills that change everything.You’ll learn:✅ Why saving is a skill (not just a discipline) — and how to master it at any income level✅ How saving + earning = a debt-free life✅ How saving + investing = long-term financial security✅ How earning + investing = financial independenceIf you're tired of always feeling behind with money or stuck waiting to "make more" before you get ahead, this episode is for you.💸 Want help learning to save, earn, and grow your money in a way that finally feels aligned? I invite you to join my 1:1 money coaching program. 👉 Book a call here: buildinggenwealth.com/work-with-me

Today, I’m joined by my long-time client and fellow first-gen Latina, Maria Lopez. Maria first came to coaching as a dedicated saver focused on security and survival, but in her second round of 1:1 coaching, she set her sights on something even bigger: retiring early.In this episode, you’ll learn:✅ How Maria Lopez shifted from saving out of necessity to investing with purpose and intention.✅ The steps she took to set retirement goals that allowed her to dream beyond the traditional retirement age.✅ Why embracing a season of life focused on rest and self-care can be a crucial part of your financial journey.✅ The importance of aligning your financial goals with your personal values, especially when choosing investments.Book a call to learn more about 1:1 money coaching here: https://www.buildinggenwealth.com/work-with-me