Latina Investors

If you're a first gen homebuyer starting your journey, this episode breaks down exactly what a mortgage is—and how to choose the best one for your financial situation.You'll learn:What a mortgage really includes (spoiler: it's more than just the loan)The 3 most common types of mortgages: Conventional, FHA, and VA/USDA loansThe difference between PMI and MIP—and why it mattersHow to compare banks, online lenders, and brokers (without getting overwhelmed)Whether you're early in your credit journey or ready to buy in the next year, this episode will help you feel confident navigating one of the biggest financial decisions of your life.1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠⁠Book a free call her to learn more about 1:1 money coaching.

 Choosing the right real estate agent can make the process smoother, less stressful, and more financially aligned with your goals—especially as a first-gen. You deserve someone who will advocate for you, not just close a deal.In this episode of the First Gen Home Buyer Series, we break down:The difference between a buyer's agent and seller's agentHow realtors actually get paid (and why it matters for you)Why loyalty to one agent matters—and when it's okay to walk away5 must-ask interview questions before committing to a realtorHow to spot a good agent who will protect your peace and your money1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠⁠Book a free call her to learn more about 1:1 money coaching.

Want the best possible interest rate when you buy your first home? It starts with your credit score. In this episode of the First Gen Home Buyer Series, I break down exactly how your credit impacts your mortgage and the simple steps you can take now to improve it.You'll learn:What credit score you actually need to qualify for a mortgageThe difference between FHA and conventional loan requirementsHow to boost your score with better credit utilizationWhen to request a credit limit increase (and when not to)What not to do right before applying for a mortgageWhether you're 6 months or 2 years out from buying, this episode will help you set yourself up to save thousands in interest.1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠⁠Book a free call her to learn more about 1:1 money coaching.

You don't need to save every dollar in cash to buy a home. In this episode, I'll show you how to build your down payment with a blend of saving and investing so you can reach your goal faster without risking your money or pausing your wealth building.We'll cover:How much you really need for a down payment (hint: not always 20%)The difference between short-term saving vs. mid-term investingHow to split your savings between a HYSA and low-risk investmentsIf you want to buy a home and want to grow your downpayment strategically by investing, this episode is for you!1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠Book a free call her to learn more about 1:1 money coaching.

Before you start searching for a house, there's one question you need to answer: how much house can I actually afford while continuing to build wealth?In this episode, I'll walk you through 3 key steps to determine your home budget based on your lifestyle, not just what the bank says you qualify for. Because the goal isn't just to buy a house. It's to afford it comfortably and still build wealth.You'll learn:How to calculate a house payment that fits your real cost of livingWhat monthly costs are included beyond just your mortgageHow to reverse engineer your ideal house price using a mortgage calculatorBuying a house shouldn't ever derail your financial goals. Learn how to stay in control of your money and avoid being house poor.1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠Book a free call her to learn more about 1:1 money coaching.

Thinking about buying a home can often feel like the “next step”...In this episode, I break down how to know if you're really ready to own, and why renting isn't throwing money away. I share the real numbers from my own home purchase, including equity gains vs. hidden costs like taxes, repairs, and maintenance.You'll learn:What it actually costs to own a homeWhy homeownership is not always the better investmentHow to reframe renting as a strategic financial moveWhat to do if your true goal is financial freedom, not just owning propertyIf you're a first-gen Latina navigating pressure to buy, this episode is for you.1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. Book a free call her to learn more about 1:1 money coaching.

Thinking about buying your first home but feel overwhelmed by where to start? This episode kicks off the First Gen Home Buyer series created specifically for first-gen women of color navigating the home buying process for the first time. I'll share what makes this journey so different for first gen, what to expect in the upcoming episodes, and why buying a home isn't just a financial decision, it's an emotional one too.Get ready to learn how to:Know if you're really ready to buyBuild a house budget that still allows you to build wealthSave for a down payment (without pausing your investing goals)1:1 Money Coaching: 1:1 is a money & investing coaching program for first gen WOC who want to financially prepare to buy their first or next home. Inside 1:1, we'll map out the best strategy to set a house budget, save for a downpayment by investing and set you up to have the best credit to get the most competitive mortgage. ⁠Book a free call her to learn more about 1:1 money coaching.

In this episode of Latina Investors, I'm breaking down why building wealth is an act of resistance—especially for first-gen Latinas navigating family responsibilities, cultural expectations, and systemic barriers. I share my personal story of waking up to the limits of the so-called “American Dream” and what it really takes to create financial freedom as a first-generation immigrant.You'll hear:Why wealth is about more than luxury—it's about freedom and choiceHow first gen dynamics make investing feel harder (and how to overcome that)The mindset shift that helped me stop only trading time for moneyHow investing creates options, safety, and legacyIf you're ready to stop surviving and start thriving, this episode will speak directly to your experience.

I'm back to making episodes on here. Excited to be back!

In this episode, I share my experience as a first time mom and my third and fourth week having my baby home.

In this episode, I share my experience as a first time mom and my second week having my baby home.

In this episode, I share my experience as a first time mom and my first week having my baby home.

In this episode, I share my birth story. This isn't money or financial related. This is just me wanting to share and document my transition and journey into motherhood. If you're looking for a 2025 Budgeting Template, click here

In this episode, I share 5 lessons that helped me make my first $100k in business. If you're someone who wants to start a business, wants to go full time in business or is pursuing a big goal...this episode will be helpful. I'm sharing the biggest mindset shifts I had to make in order to hit my 2024 revenue goal. Mini Course: ⁠"Am I On Track To Retire Comfortably?!" Mini Course

In this episode, I'm diving into the difference between simply contributing to your retirement and actually retiring comfortably. If you're putting money into your 401(k) but unsure if you're on track or doing “enough,” this podcast episode is for you. I'll break down what it really takes to build a retirement strategy that works for you and introduce my new course designed to help you go from confused to confident about your financial future. "Am I On Track To Retire Comfortably?!" Mini Course

In this episode, I'm joined by Diana, an accountant dedicated to helping first-gen service entrepreneurs tackle their bookkeeping and taxes with confidence. As the eldest daughter of Mexican immigrants, Diana is passionate about empowering the Latine community by bridging the gap between tax education and financial success. We break down how taxes work, why getting a refund isn't always a win, and demystify the IRS to help you feel more confident about managing your taxes and growing your financial knowledge. Episode Resources: Tax Withholding Estimator IRS VITA Grant Program Tax/IRS Podcast Episode Follow Diana on Instagram: @TaxeswithDiana

LEGAL DISCLAIMER: This discussion reflects the personal experiences and research of two individuals— it is not professional advice. If you're navigating immigration matters or considering financial steps tied to your status, we strongly recommend consulting with an immigration lawyer or qualified professional for guidance tailored to your specific situation. In this episode of the "Anti Gate Keepers" series, I'm joined by Maribel, a first-gen daughter of Mexican, Purepecha indigenous immigrants. In this episode, Maribel uses her expertise to empower USA-based immigrants to earn, save, and invest their money—regardless of immigration status. We answers key questions to help you feel more confident and secure in your financial journey if you're getting started with investing as a DACA recipient. Instagram: https://www.instagram.com/ourwealthmatters/

In this episode of the "Anti Gate Keepers" series, I'm joined by Lizbet, a First-Gen Latina, mom of two, and budgeting expert who paid off over $100,000 in debt—all while traveling with her family using credit card hacking. Lizbet shares how she uses travel hacking and credit card points to make family travel more accessible and affordable even during a debt pay off journey. We dive into her strategies for leveraging points, staying on budget, how to get started with credit card points & how she stay motived in her debt pay off journey. If you've ever wondered how to do more with your credit cards/points...this episode is for you! Budget Spreadsheet: https://lizbetco.ck.page/ Guide to Travel Hack While Paying Off Debt: https://lizbetco.ck.page/travelguide Instagram: https://www.instagram.com/lizbettalksmoney/ TikTok: https://www.tiktok.com/@lizbettalksmoney YouTube: https://www.youtube.com/@lizbettalksmoney

In this episode of the "Anti Gate Keepers" series, I'm talking with Denise Torres, a first-gen Chicana attorney and founder of Torres Legal Counseling. Denise is on a mission to close the racial wealth gap and shares practical tips to help make sure our legacies stay in the family and support future generations. We break down estate planning and why it's so important for our community to understand, and also talk through why trusts aren't just for the “rich” but are essential for protecting your hard-earned money and building generational wealth. Instagram: https://www.instagram.com/thelegalchisme/Email: denise@torreslegalcounseling.com

In this episode of the Anti GateKeepers Series, I talk with Nieves Soto, a trailblazer in her family as the first to buy a rental property. Since her first purchase in 2021, she's expanded her portfolio with smart investment choices that don't over leverage her finances and keep adding to her portfolio. Nieves shares her approach to making sound investing decisions and offers insights into what it takes to navigate the real estate market today. Whether you're a first-time investor or looking to expand your knowledge, this episode full of practical tips and inspiration. Nieves Soto Bio: Nieves is passionate about personal finance and real estate investing. Her goal is to promote financial literacy and independence to other Latinas. She recently relocated to NYC but lived and invested in St. Louis, MO. Her experience is in MTR and LTR properties. She has used the house hacking and BRRR strategy to grow her real estate portfolio. Nieves Soto Instagram @theconfidentwallet Resources Referenced: Your First Rental Property Course

Introducing the Anti Gate Keepers series! Over the next couple of weeks, I'll be interviewing six experts in fields like real estate investing, taxes, estate planning, career coaching, credit card hacking, and even investing as a DACA recipient. You'll gain insider access to wealth-building strategies that often feel out of reach, as we dive into practical steps and personal insights from first gen WOC who aren't here to keep secrets—they're here to share their wealth of knowledge.

In this episode, I'm breaking down the myth that keeps so many from investing: “I can't touch my investments.” I'll explain how and when you can access your accounts, plus how to avoid penalties from certain account. So whether you're saving for retirement or another big goal, I'll show you how to access your money when you need it—without messing up your long-term plan. Book a call here to learn more about 1:1 money coaching.

In this episode, I dive into the financial planning and emotional aspects that come into play during the holiday seasons. You'll get practical strategies for budgeting and planning your holiday expenses and how to navigate the emotional triggers that can lead to overspending. Click here to learn more about 1:1 money coaching.

In this episode, we talk about the pros and cons of hiring a financial advisor versus a money coach. I break down what path is best for you to take, depending on what you want. And also, what to consider/ask when hiring a financial advisor if you're planning to completely outsource. Click here to learn more about 1:1 money coaching.

In this episode, I cover what it means to live off your assets and why it create the ultimate freedom for you. We dive into how to detach your income from your labor, how to *actually* live off your portfolio & what it means to get to a place where you no longer need to work to earn money. Interested in 1:1 Coaching? 1:1 money coaching is for the first gen WOC who wants to set yourself up to retire comfortably and set up your money to work for you. ⁠⁠Book a call here to learn more⁠⁠.

In this episode, I introduce a simple yet powerful investing framework that will help you build wealth confidently—even if you're worried about risk or don't know where to start. I break down a 4-step process that prioritizes your financial goals, reduces investing risk, and keeps your investments growing steadily over time. If you've ever felt overwhelmed by investing or unsure how to choose investments, this episode will show you how to start small, automate the process, and make your money work for you—without the stress. Listen to the latest episode by searching “Latina Investors” wherever you consume your podcasts or heading to the link in my bio.

In this episode, I dive into the fundamentals of the FIRE (Financial Independence, Retire Early) movement and how it helps you achieve financial freedom. I break down the key principles of FIRE, while also exploring the different paths to FIRE you can pursue, no matter where you are on your financial journey. FIRE Couple Interview Interested in 1:1 Coaching? 1:1 money coaching is for the first gen WOC who wants to set yourself up to retire comfortably and set up your money to work for you. ⁠⁠Book a call here to join 1:1 money coaching⁠⁠.

Are hoarding money, not just saving it? Hoarding money is when saving becomes hoarding and fear of spending takes over. In this episode, I share my journey of breaking free from the scarcity mindset and how you can too. We'll explore key mindset shifts to help you let go of fear, enjoy your money, and make it work for you beyond just saving. Interested in 1:1 Coaching? 1:1 money coaching is for the first gen WOC who wants to set yourself up to retire comfortably and set up your money to work for you. ⁠Book a call here to join 1:1 money coaching⁠.

Ever wondered, "Where can I put my money so it works for me?" Many first gen WOC hear only about saving, but once you've built up your emergency fund, it's time to explore more strategic options. In this episode, we break down five key places to grow your money: High-Yield Savings Accounts (HYSA), 401(k)s, Roth IRAs, Individual Brokerage Accounts, Health Savings Accounts (HSAs), UGMA. Learn how these options can generate interest, grow in value, and build long-term wealth. HYSA Recommendation: Marcus by Goldman Sachs Referral Link 1:1 money coaching is for the first gen WOC who wants to set yourself up to retire comfortably and set up your money to work for you. ⁠Book a call here to join 1:1 money coaching⁠.

In this episode, I interview my client Xiomara about her experience with money coaching. She talks about her biggest takeaways, how she's feeling like she has more money & why she finally decided to join 1:1 despite being afraid of the investment. 1:1 money coaching is for the first gen WOC who wants to set yourself up to retire comfortably and set up your money to work for you. ⁠Book a call here to join 1:1 money coaching⁠.

Do you feel like your paycheck disappears before you can save anything? And even if you're earning good money in your career, you're still living paycheck to paycheck, always waiting for more money to come? You might be stuck in the "Splitting Money Cycle." This is a common cycle that keeps you from building wealth and makes it seem like you never have enough. In this episode, we'll reveal how to break free from this cycle, take control of your finances, and start saving more without needing to get a raise. We'll cover simple & effective money management strategies to stop you from living paycheck to paycheck and finally enjoy financial freedom. Click here to learn more about my 1:1 money coaching program.

I went full time in my business in Aug of 2023, so it's officially been 1 year of full time entrepreneurship. In this episode, I share the 5 money lessons I learned during my first full year in business. If you're thinking about one days starting a business, you want to get used to how money works in a business setting and how you need to view money from a business standpoint. Book a call to learn more about 1:1 money coaching.

In this episode, we go into everything you need to know about your credit score. You'll learn what actually 5 factors truly impact your score and what credit myths are circulating around that aren't true. We'll cover: Why checking your score doesn't hurt your score How having multiple credit cards can help your score Why "carry a balance" doesn't matter If you want to learn more about how to optimize your finances, book a free consult call to join 1:1 money coaching.

In this episode, I share a life update and also let you in behind the scenes on how I've been financially planning for it. We go into the costs of starting a family from hospital costs, baby prep/education and baby items as well as cover some daycare costs. If you're thinking about starting a family in the next year or two, this episode will help you think through some upcoming costs! Book a free consult call to join 1:1 money coaching here.

➡️ ⁠⁠⁠REGISTER HERE FOR FREE INVESTING TRAINING⁠⁠⁠⁠ In the "How Do You" Investing Series...we're breaking down all the questions. This episode we talk about when to sell your investments, what factors to consider and the investing strategy that helps you create mid-term & long-term wealth.

➡️ ⁠⁠⁠REGISTER HERE FOR FREE INVESTING TRAINING⁠⁠⁠⁠ In the "How Do You" Investing Series...we're breaking down all the questions. This episode walks you through how to invest for your kids In the episode, we go into: The different types of investing you can do for your kids: 529 Plans to UGMAs to Custodial Roth IRA How to decide which options is best for you What to consider as you're thinking through each option ⁠⁠⁠How To Work With Me - 1:1 Money Coaching Program⁠⁠⁠

➡️ ⁠⁠REGISTER HERE FOR FREE INVESTING TRAINING⁠⁠⁠ In the "How Do You" Investing Series...we're breaking down all the questions. This episode is about find the right number for you to start investing with... In the episode, we go into: My formula to decide how much to start investing with How to feel good about where you're starting The impact of starting where you're at And how to set yourself up to have $500k, $750k or $1M when you enter retirement ⁠⁠How To Work With Me - 1:1 Money Coaching Program⁠⁠

➡️ ⁠REGISTER HERE FOR FREE INVESTING TRAINING⁠⁠ In the "How Do You" Investing Series...we're breaking down all the questions. This episode is about "what the heck is passive income actually?" In the episode, we go into: What exactly is passive income? How to create passive income with investing The ways your money actually grow ⁠How To Work With Me - 1:1 Money Coaching Program⁠

➡️ REGISTER HERE FOR FREE INVESTING TRAINING⁠ In the "How Do You" Investing Series...we're breaking down all the questions. The first episode is about "choosing the right stocks." In the episode, we go into: Different types of investing strategies How to choose the right investments for you Why index funds are a better bet than "choosing stocks" How To Work With Me - 1:1 Money Coaching Program

Free Training: How To Start Investing With $1,000 Or Less

In this episode, I interview my client Emily who joined 1:1 money coaching as a “super saver” but is leaving with a new mindset & outlook with money. She shares her experience, biggest takeaways and the growth she's had while doing money coaching. Enjoy this episode! Learn to invest your money to easily fund your upcoming life milestone goals and set yourself up to retire comfortably. Book a call here to join 1:1 money coaching.

In this episode, we talk about the differences between Roth and Traditional accounts. I explain the pros and cons of each and which one is better to consider depending on your situation. Book a free call to join 1:1 money coaching here.

What does it actually mean to live off your investments and how do you get there? In this episode, I talk about how to live off your investments and "how" it actually works mathematically. Because the biggest thing you get when you can live off your investments is TIME. More time to enjoy doing the things you love, more time to experience new things or more time with your family. If you want to learn how to live off your investments, no matter how much money you're making - book a free call here to join 1:1 money coaching.

Credit cards are greats tools to add to your money system...but it's all about how you choose to add them and the role you give them. In this episode, I break down 3 tips that will help you stay organized with your credit cards so you're always clear on where your money is going while avoiding overspending. Learn more about my 4 month 1:1 money coaching program here.

In this episode, we talk through how the ways you see yourself with money can directly impact your results with money. I share the 4 big identities you want to grow and develop as you're working on your money journey. Click here to book a free call to join 1:1 money coaching.

If one of your biggest financial goals is to buy a house, this episode will break down exactly how to prepare to walk into homeownership feeling confident and financially prepared. I walk you through the 5 steps I personally did when buying a home. Book a free consult call here to join 1:1 money coaching.

In this episode, I talk to my client Joanna Garcia about her experience with money coaching. You'll hear the "aha" moments she got from coaching, what fears she had before joining and how she's now feeling about money. To learn more about 1:1 money coaching, click here: https://calendly.com/buildinggenwealth/interest

At the start of my money journey an "unrealistic" money goal changed my life. That might seem dramatic to say - but truly, it did! In this episode, I talk about what to do when you run into a money goal you find "unrealistic" and how to approach it. You'll learn exactly how to turn unrealistic goals into realistic goals. Learn how to start investing your money by joining my 4 month money coaching program. Click here to learn more

In this episode, I cover the 5 most common investing myths I hear that are holding you back from investing. I go over why they're myths and explain what is actually true. 4 Month Money Coaching Program Click here to learn more about my signature money coaching program.

In this episode, I go over the factors you want to look for when picking index funds.  You'll understand why you'd pick certain funds vs other funds. And how to go about making the best decisions for you, your goals & your timeline.  Click here to learn more about my 4 Month Money Coaching Program.

In this episode, I talk about how your investing account replenishes itself vs how your savings account is replenished by you.  You'll learn how to use an investing account to start making your money work so that as your parents enter retirement, you are able to help them financially without it feeling a big financial pressure or burden.   Book a call for my 4 Month Money Coaching Program here.