Check Your Money

Whether you're looking to rent or vet a renter for your investment property, here's the important factors to consider!

I am not a tax professional but I do know some stuff. If you're trusting someone else to do your tax return, make sure you've got some basic knowledge to reduce the chance of getting screwed.

Those seeking financial literacy may reach out to a professional such as an AFC(Accredited Financial Counselor such as myself), a CFP (Certified Financial Planner) or another licensed professional. Others may get their information from a seemingly trusted source, or even the internet. Then there's the group that loves to read. In this episode I review the popular personal finance book "Simple Path to Wealth" by J. L. Collins, Mr. Money Mustache. I share some of the debt reducing guidelines he provides, what you "should" do in a Bear market, and an interesting way to consider using Target Date Retirement Funds. 

To celebrate the 1000th download I'm re--releasing the most downloaded info episode. Enjoy and THANK YOU for your support! Info packed episode on how to save for college, reduce your bill, scholarships, and so much more! This topic is so huge you'll need to grab whatever you use to take notes!!

Let's check MY money! Listen to how I was able to grow my Roth IRA by 147% without contributing for years. Almost 80% of that growth has been in the last 3 years. I go over my holdings, and my original method to choosing funds which has evolved along with my knowledge, and how to research funds. *I am not providing investment or tax advise. Please see an investment or tax professional for your specific, personal portfolio.

FI/RE...but at what cost? Tune in for what FI/RE is, the different ways you can achieve it, and the type I created! I also share the app that has me OBSESSED with checking my phone!

Nothing checking your money because you don't want to is one thing. Economic abuse is about control. This episode covers not checking your money because you can't. I also explain my "why" - why I am so passionate about "Check Your Money." *I am not a mental health expert.* There are nonprofit organizations that offer financial support for victims that need help getting out. if you can't listen to this episode, you can start by calling the National Domestic Violence Hotline at 1-800-799-SAFE (7233).

2020 brought employment changes and was the year of the side hustle. What happens after your Check Your Job Goodbye?

Poor Financial Health can lead to poor mental health. Research has shown that mental health issues such as depression and anxiety are three times as likely to happen when a person is in debt. In this episode I cover some potential signs and ways I have used to help get me out of my bubble. As I state in the episode, ***I am not a mental health expert*** BUT many of us, at some point or another, have felt our money crisis dampening our spirits. My goal is to share so you are not alone. We are not alone.

When it comes to homebuying, the old school 20% rule is dead! Are you avoiding home ownership because you think you need to save 20%? Is you low credit score holding you back? If buying a home is a dream that you don't ever think will become reality then this episode is for you. Be LIMITLESS!!!

The beauty of being limitless is that you don't have to fit into the traditional mold. Buying a house can feel liberating and can be a wealth building tool but it's not the only one. Aside from providing an alternative, I share a easy way to do the math to help in your decision in whether to rent or own.

Meet Angela from PPP Visions! We talk about the power of affirmations, manifesting abundance and putting actions to your purpose! You can learn more about Angela and how she can help you at http://www.pppvisions.com/

If you're looking for a community on social media where you can talk and learn money, Wealth Para Todos on Instagram is the spot! Soledad shares other financial pages that share her values, in addition to creating daily posts with what she's learned either in her daily reading or a webinar she's attended. In this episode, she discusses how she manages her time in order to continue learning and sharing, how she convinced her husband to increase their 401K contributions to over 50%, and why she takes daily money tracking so seriously. Sit back and enjoy this great money conversation!

What is holding you back from your "more" or your "next"? What are the roadblocks blocking you from doing what you've always wanted to do? Money isn't everything... yes, I said it.... However, money can follow feeding your passion because once you truly believe in yourself, others will too. I also provide a way you can mentor high school & college students who are searching for someone to provide guidance on their journey!

All things credit & more! Are you credit "invisible"? Did you know that you can have your utility & cell phone payments reflect on your credit report so you can boost your score (assuming you pay on time :)) ? Do you know that you can check you credit report weekly through April 2021? What about this Payroll tax deferral people are talking about? I walk you through it all in this episode!

When my dad died, I learned about what happens when you're not being prepared, and also about not sharing your wishes ahead of time with your family. I share my experience in the hopes you don't go through what I went through. Also, please know that you don't have to have a lot of assets or minor children to think about a will. Have you thought about who you want to make medical decisions should you be unable to speak? The unexpected can happen, but if you plan you can reduce the family arguments (even if just a bit). I'll show you how you can do this part for $5!

Investing always seemed like an out of reach thing for me. I've had a retirement account at work & I opened up a ROTH IRA at some point but I finally made the decision to invest part of my savings....  Investing IS within your reach! And, you don't have to have tons of money to start. You can buy a share of stock for $30 and viola, you're an "investor." Getting past your fear by understanding the lay of the land is the first step. YES, there is RISK but, YES, there can also be reward. [While I do have a Master's Degree in Family & Consumer Science with a specialization in Family Financial Planning, and I have successfully passed the Accredited Financial Counselor (AFC) Exam (in the process of earning the hours to have the designation), I am NOT a Financial Advisor or a Registered Investment Advisor (RIA). This episode is intended to educate regarding investing but not to provide investment advice.]

In this episode, I have my first guest! Her name is Maria and she's an aunt I kept in my divorce. I have learned so much from her about marriage, divorce, raising children, and what it is to be an exceptional daughter.  She takes us from growing up with a single mom, finding out about a "hidden" credit card, and working on her college degree for 20 years. 

Info packed episode on how to save for college, reduce your bill, scholarships, and so much more! This topic is so huge you'll need to grab whatever you use to take notes!!

I am obsessed, to say the least, about having enough money to retire comfortably. The stats regarding minority retirement accounts are SCARY. You may think you don't earn enough to save anything for it but you may be missing out on a tax break that can help!

Having impostor syndrome can make you feel like you're not good enough even when you are. It robs you of your motivation and can set you back financially by stopping you from reaching your true earning potential. You can face & fix your issue and there's no good reason why you don't deserve to. In this episode I explore ways you can prepare yourself to increase your earning potential by fighting these fears and doing your research.

Did you know that Covid 19 impacted communities differently depending on race? How did this affect Remittances? (did you even know this had a name?!) Does a 3-6 month emergency seem out of reach because you're living paycheck to paycheck? All this and more on this episode of Check Your Money.

This episode takes you on a journey of the history of women & borrowing. You may be surprised to know that only in our lifetime have laws been put in place making it illegal to discriminate against applicants based on the basis of sex, martial status, race, color , age, religion, or national origin. Stay tuned to the end of the episode if you're currently receiving the extra $600 from the Pandemic Unemployment Assistance program. Credit card fact sheet referenced: https://www.consumer-action.org/downloads/alerts/CC_law.pdf

Meet a LatinX, GenXer, who wants to break the money silence that exists in some cultures and help to remove the fear of what is beyond our money comfort zone.