On My Way to Wealth

In this episode, Luis talks about tariffs, their mechanisms, the Federal Reserve's role in inflation control, and the overall impact on personal finances.   In this episode Luis discusses:   What tariffs are How tariffs work The Federal Reserve & Inflation Impact on Personal Finances   And much more….. Resources: Luis' LinkedIN Luis' X/Twitter Luis' IG On My Way to Wealth YouTube Channel  

In this episode, Luis speaks with Alex Vazquez. Alex is a top producing Realtor® and award-winning team leader, including three-time 40 Under 40 Top Realtors. As a real estate professional, Alex is passionate about helping clients reach their real estate objectives through buying, selling, and investing.   In this episode Luis and Alex discuss:   ·        The role of a Realtor® in the homebuying and selling process ·        How the new compensation rules affect homebuyers ·        Little known benefits of purchasing new construction homes ·        The pros and cons of Homeowners Associations   And much more….. Resources: Follow Alex on Instagram Follow Alex on YouTube Visit Alex's Website Follow Luis on Instagram Follow Luis on X On My Way to Wealth Youtube Channel Visit Luis' Website Connect with Luis on LinkedIn

Dan Solin is the New York Times bestselling author of the Smartest series of books, which include The Smartest Investment Book You'll Ever Read, The Smartest 401(k) Book You'll Ever Read, The Smartest Retirement Book You'll Ever Read, The Smartest Portfolio You'll Ever Own, The Smartest Sales Book You'll Ever Read and The Smartest Money Book You'll Ever Read. He is also the author of Ask: How to Relate to Anyone and Does Your Broker Owe You Money? In 2005, he testified as an investor advocate before the Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises of the Committee on Financial Services in the U.S. House of Representatives. His latest book is Wealthier: The Investing Field Guide for Millennials. The website for Wealthier is https://wealthierbook.com. Dan is a regular blogger for Advisor Perspectives. Dan graduated from Johns Hopkins University and the University of Pennsylvania Law School.   He practiced law in New York City for many years before retiring. As an attorney, he represented many investors harmed by the misconduct of brokers. He was formerly a registered investment advisor with several prominent advisory firms. He resides in Bonita Springs, FL with his wife, Patricia.   In this episode Luis and Dan discuss:   ·        Why investing does not need to be complicated ·        Tips for Millennials and anyone getting started in their financial journey ·        How to eliminate distractions in life and get focused on your goals ·        Focusing on what matters most   And much more….. Resources: Get the book: Wealthier – The Investing Field Guide for Millennials Follow Dan on Facebook Connect with Dan on LinkedIn Follow Dan on Instagram Follow Dan on X Follow Dan on Tik Tok Get Dan's Books on Amazon Find a financial advisor on the XYPN Planning Network Get The Little Book of Common Sense Investing by Jack Bogle on Amazon Get the If You Can book by William Bernstein on Amazon

In this episode, Luis speaks with Jonathan Wong, CFP®. Jonathan Wong is the Founder and CERTIFIED FINANCIAL PLANNER™ professional of Layari Financial, a  fee-only  comprehensive financial planning practice helping individuals, growing families, business owners and high-level executives organize, grow and protect their assets through life's transitions.   Jon founded Layari Financial to offer a better experience. After 15 years working for larger financial planning practices, he decided to follow his dream of starting his own firm. His mission is to serve people like himself: a first generation minority, ambitious in taking control of his financial future.    In this episode Luis and Jon discuss:   ·        The entrepreneurial journey and the importance of having a strong why ·        How to setup a strong financial foundation ·        Changing your mindset to set yourself up for financial success ·        Empowering your children via education in order to create generational wealth   And much more….. Resources: Connect with Jon Monarch Money Budgeting App

John Prendergast founded Blueleaf, an all-in-one wealth management platform that handles reporting, billing, rebalancing, and practice management while helping advisors connect with and deliver for their clients. John built Blueleaf into a client-centric company that provides direct tech support to advisors and their clients, helping thousands of financial advisors better engage with their clients to build trust and nurture long-term relationships. In addition to his role at Blueleaf, John hosts The Augmented Advisor podcast, featuring the most successful creators in wealth management. The podcast offers valuable real-world marketing tools and strategies for RIAs, wealth managers, and B/Ds to build an audience, establish a brand, and grow their business. John holds an MBA from Northwestern University's Kellogg School of Management and a BA from Boston College.   In this episode Luis and John discuss:   ·        How not to be afraid of taking risks as an entrepreneur ·        How to test your idea with little investment ·        How to be an entrepreneur while being an employee ·        The importance of mission and passion while building your business   And much more….. Resources: Connect with John on LinkedIn Being an Entrepreneur as an Employee LinkedIn Post Alex Hormozi Book mentioned in the show Follow John on IG Follow John on X Blueleaf.com  

Matt Schulz is the author of "Ask Questions, Save Money, Make More: How To Take Control Of Your Financial Life" and is Chief Credit Analyst at LendingTree. A credit and personal finance expert, he has appeared on ABC World News Tonight, Good Morning America, NBC Nightly News, Today, and other national shows, and Bloomberg News, New York Times, Wall Street Journal, and other publications have showcased his expertise. A former journalist, he has run online news teams for TV stations, newspapers and websites and has written or edited for Bankrate, American Banker and USNews.com among other outlets. He lives in Austin, Texas, with his wife and son. In this episode Luis and Matt discuss:   ·        Why you have more power over your money than you think ·        Practical advice that you can do right now to start saving money ·        How to best position yourself for a salary increase ·        The power of growing your professional network   And much more….. Resources: Matt's Website Matt's IG Matt's X Matt's LinkedIn Lending Tree

In this special episode for Financial Literacy Month, Luis speaks with Jedidiah Collins, CFP®. Jed is also known as the fullback of finance, having played 5 seasons in the National Football League, and then transitioning into becoming a Certified Financial Planner™ pro. He's also the author and creator of Your Money Vehicle, which is both a book and a premier financial literacy program, and he also hosts The Money Vehicle Movement Podcast. Tune in to learn how to drive the first mile in your financial journey.   In this episode Luis and Jed talk about:   How time is on your side and the importance of starting early Embracing mistakes and failures and using them to your advantage Why we should all operate as a business Social media's impact on our mental health and financial insecurity Why more money does not translate into more happiness   And much more……..   Resources:   ·         Your Money Vehicle Website ·         Your Money Vehicle Book on Amazon ·         Connect with Jed on LinkedIn ·         Follow Jed on TikTok ·         Follow Jed on Instagram ·         Follow Jed on X/Twitter ·         Follow Your Money Vehicle on Facebook  

In this episode, Luis speaks with Anne Lester. Anne is a retirement expert, author, media commentator, top-rated speaker and former Head of Retirement Solutions for JPMorgan Asset Management, where she worked almost 30 years. In 2020, Anne was recognized for her extraordinary lifetime contributions to Americans' economic security with the prestigious Ray Lillywhite Award. She is on a mission to help rising leaders retire on their time and target. A top-rated speaker, Anne addresses the under-45 crowd as well as professional audiences, including P&I, NAPA, Wharton, plus financial firms and their clients.  Anne is also a media commentator and regular contributor on personal finance and retirement issues. She has been featured on outlets including Bloomberg TV, CNBC, Forbes, Business Insider, Wall Street Journal, The New York Times and Barron's. She also co-founded The Aspen Leadership Forum on Retirement Savings with AARP. Her book, Your Best Financial Life: Save Smart Now for the Future You Want (William Morrow, 2024), helps younger savers find long-term savings success by overcoming their behavioral biases.   Notes:   In this episode Luis and Anne talk about:   Achieving your current goals while also prioritizing your retirement Hacks and actionable items to make saving money easier How to determine if a luxury item is worth the splurge Three questions to ask yourself before you tap into your emergency savings   And much more……..   Resources:   ·         Visit Anne's website ·         Buy Anne's Book: Your Best Financial Life; Save Smart Now for the Future You Want ·         Follow Anne on LinkedIn ·         Follow Anne on IG ·         Subscribe to Anne's YouTube channel ·         Follow Anne on FaceBook ·         Follow Anne on TikTok

In this episode, Luis speaks with Oliver Pursche. Oliver is a recognized thought leader with nearly 30 years of Financial Advisory Experience, currently with Wealthspire Advisors. His opinions and guidance on saving and investing are frequently requested by CNBC, Bloomberg Television and Radio, Kiplinger's and Forbes Magazines as well as many other national and world-wide news outlets such as Reuters and Dow Jones. In his role as an advisor, Oliver has been named “amongst the best of the best” by Barron's Magazine six years in a row (2008-2014) as part of their “Top Independent Advisor” annual ranking. As an educator, Oliver has been a keynote speaker at both industry and private events, has been featured in hundreds of investment seminars including events sponsored by AAII (American Association of Independent Investors), Vanguard, and Fidelity. Oliver is also the author of Money Can Grow on Trees: When you Take Care of It!   Notes:   In this episode Luis and Oliver talk about:   Saving for your future while still enjoying your latte How to teach your children good money habits The truth about social media and keeping up with the Joneses How to take small steps that will  have a lasting positive impact on your finances   And much more……..   Resources:   ·         Oliver's Wealthspire Advisors contact page ·         Oliver's website ·         Purchase on Amazon: Money Can Grow on Trees: When You Take Care of It! ·         Connect with Oliver on LinkedIn ·         Visit On My Way to Wealth ·         Luis' LinkedIN ·         Luis' Twitter ·         Luis' IG ·         On My Way to Wealth YouTube Channel

In this episode, Luis speaks with Ramona Ortega. Ramona is the CEO & Founder of WealthBuild, an AI-powered financial co-pilot that helps people make smarter financial decisions and build wealth. She previously founded, My Money My Future, a financial literacy and inclusion platform. She is an award-winning tech entrepreneur, public speaker, impact investor and forthcoming author. Ramona was named Crain's Business Most Notable Women in Financial Advice in 2020 and 100 Most Influential Latinas by Latino Leaders Magazine. She is a Politico Impact leader and was recently featured in HBO's Gaming Wall Street.   Notes:   In this episode Luis and Ramona talk about:   Pre-Marital Prenups: Not just for celebrities! Banking together Financial Infidelity Planning for joint goals with your partner Financial Do's and Don'ts for couples   And much more……..   Resources:   ·         Connect with Ramona on LinkedIn ·         Follow Ramona on Twitter ·         Learn about Wealthbuild.ai on Instagram ·         Follow Ramona on IG ·         Visit On My Way to Wealth ·         Luis' LinkedIN ·         Luis' Twitter ·         Luis' IG ·         On My Way to Wealth YouTube Channel

Hey there! Just wanted to give you a heads up about some important info for tax season 2024. Notes:   In this episode Luis talks about:   Important dates to know this tax season Getting organized The fastest and safest way to file your tax returns Last minute tax planning Common mistakes to avoid   And much more……..   Resources:   ·         Get an IRS Identity Protection PIN ·         IRS Free File Program ·         VITA and TCE IRS Program ·         MilTax for members of the military ·         Where's my refund? ·         IRS Payment Agreement Application ·         Visit On My Way to Wealth ·         Luis' LinkedIN ·         Luis' Twitter ·         Luis' IG ·         On My Way to Wealth YouTube Channel

In this episode, Luis speaks with Edward Castillo. Edward is a Certified Personal Trainer and content creator. Have you ever thought about how going to the gym and managing your personal finances have a lot in common? Just like how going to the gym is essential for keeping your body healthy and fit, managing your personal finances is crucial for maintaining a healthy financial life. Notes:   In this episode Luis and Edward talk about:   How motivation alone won't help you achieve your goals The importance of having specific goals and a strong why How being healthy has a direct impact on your finances Tips for staying healthy during holidays and travel   And much more……..   Resources:   ·         Follow Edward on Instagram ·         Connect with Edward on LinkedIn ·         Rocket Money ·         You Need a Budget ·         Visit On My Way to Wealth ·         Luis' LinkedIN ·         Luis' Twitter ·         Luis' IG ·         On My Way to Wealth YouTube Channel

In this episode, Luis talks about the year-end strategies that you can implement to lower your tax bill, and set up your finances to start 2024 with a bang!   Notes:   In this episode Luis talks about:   The tax planning strategies he uses with his clients Tax Loss Harvesting How to best maximize your employee benefits Taking advantage of the current high interest rate environment   And more……..   Resources:   ·         Visit On My Way to Wealth ·         Luis' LinkedIN ·         Luis' Twitter ·         Luis' IG ·         On My Way to Wealth YouTube Channel

In this episode, Luis speaks with Tom Corley. Tom is CPA, CFP® Pro, holds a Master's Degree in Taxation, and is a bestselling/award-winning author.  His books include: Rich Habits, Rich Kids, Change Your Habits Change Your Life, Rich Habits Poor Habits and Effort-Less Wealth - Smart Money Habits at Every Stage of Your Life. Tom has appeared on or in CBS Evening News, The Dave Ramsey Radio Show, CNN, MSN Money, USA Today, The Huffington Post, SUCCESS Magazine, Money Magazine, and many other media outlets and podcasts in the U.S. and 27 other countries. Tom is a frequent contributor to Business Insider and CNBC.   Notes:   In this episode Luis and Tom talk about:   The Rich Habits Study and key findings Key Habits of the Rich and the Poor The 4 paths to building wealth The true currency of the wealthy   And more……..   Resources:   ·         Visit the Rich Habits Website ·         Follow Rich Habits on Facebook ·         Follow Rich Habits on Twitter/X ·         Connect with Rich Habits on LinkedIn ·         Rich Habits YouTube Channel ·         Visit On My Way to Wealth ·         Luis' LinkedIN ·         Luis' Twitter ·         Luis' IG ·         On My Way to Wealth YouTube Channel

Dr. Daniel Crosby is a psychologist and behavioral finance expert who helps organizations understand the intersection of mind and markets. Dr. Crosby's first book, Personal Benchmark: Integrating Behavioral Finance and Investment Management, was a New York Times bestseller. His second book, The Laws of Wealth, was named the best investment book of 2017 by the Axiom Business Book Awards and has been translated into 12 languages. His latest work, The Behavioral Investor, was Axiom's best investment book of 2019 and is a comprehensive look at the neurology, physiology and psychology of sound financial decision-making. When he's not decoding market psychology, Daniel is a father of 3, a fanatical follower of the St. Louis Cardinals, an explorer of the American South, and an amateur hot sauce chef.    Notes:   In this episode Luis and Dr. Crosby talk about:   ●       Behavioral Finance ●       How our brain is designed for survival, not exceptionality ●       How we think making money is a shortcut to a happy and meaningful life ●       Why we're chasing the wrong dream and how to align our values with our time ●       The effects of social media on our mental health and happiness ●       How we set ourselves up for failure by trying to keep up with the Joneses   And more……..   Resources:   ●       Daniel Crosby, Ph.D.'s Books ●       Listen to the Standard Deviations Podcast ●       Watch: You're Not That Great: A Motivational Speech ●       Connect with Daniel Crosby, Ph.D. on LinkedIn ●       Follow Daniel Crosby, Ph.D. on Twitter/X ●       Visit On My Way to Wealth ●       Luis' LinkedIN ●       Luis' Twitter ●       Luis' IG ●       On My Way to Wealth YouTube Channel

In this episode, Luis speaks with Lea Landaverde. Lea is also known as the Latina Wealth Activist, and is a revolutionary financial professional and creator. She is a First-Generation, Queer, Latina based out of Dallas, Texas. Lea is the Founder of The Riqueza [Ri-ke-sa] Collective, a holistic financial coaching practice dedicated to providing bilingual financial education to the next generation of wealth builders.   She is also the voice of Mi Riqueza Podcast: a Podcast Redefining the Way We View Wealth. Lea earned her Masters in Finance at the University of Utah and is a certified practitioner of the Trauma of Money. With over 9+ years in the financial industry, Lea has combined her knowledge in wealth management, investment banking, technology and personal finance to amplify her message.   Lea has over 100k+ followers across all her social media and has been awarded Best Fintok Creator for Hispanic-Focused Content of 2023 from Debt.com. Lea has also won Best Professor of the Year for 2021 at Utah Tech University as she teaches financial literacy for incarcerated youth in Utah. Lea is a visionary and her passion lies in bridging the wealth gap and pushing for financial equity to marginalized communities through activism, education, community and wellness.    Notes:   In this episode Luis and Lea talk about:   ●       Lea's background, upbringing, and career path ●       Turning financial failures into lessons ●       Redefining your wealth based on your values ●       The importance of being true to yourself and being 100% authentic   And more……..   Resources:   ●       Follow Lea on Instagram ●       Follow Lea on Tiktok ●       Visit the Riqueza Collective Website ●       Visit On My Way to Wealth ●       Luis' LinkedIN ●       Luis' Twitter ●       Luis' IG ●       On My Way to Wealth YouTube Channel

In this episode, Luis speaks with Carlos Hernandez. Carlos “Charlie” Hernandez is the founder and CEO of Crediverso. A Los Angeles native, Carlos is the grandson and son of Hispanic immigrants and grew up not only listening to stories but seeing first-hand how the U.S. financial system affected the Hispanic immigrant experience.   Carlos has always been keenly aware that this system was not designed for the Spanish-speaking or Hispanic community, even though these individuals represent 20 percent of the U.S. population. By doing deeper research, he realized that across every financial product vertical available, from credit cards and loans to bank accounts and insurance, the adoption rates in the Hispanic community were far lower than those of the general market. Carlos launched Crediverso to fix this, and is on a mission to help the U.S. Hispanic community realize their American Dreams by achieving financial access and freedom.   Carlos is a Harvard undergrad, Law and Business school graduate. He is a registered attorney with the American Bar Association in California and a Licensed Real Estate broker with the California Bureau of Real Estate. Before launching Crediverso he served as Director of Latin America and the Caribbean for MGM Resorts International.    Notes:   In this episode Luis and Dr. Carlos talk about:   Carlos' background, upbringing and career path How the lack of trust in the U.S. financial system hurts the Latinx community How Crediverso is helping the U.S. Hispanic community with financial literacy resources Crediverso's newest tool, MyPocketLawyer Learning from your parents' struggles and successes on your way to wealth   And more……..   Resources:   ·         Follow Crediverso on IG ·         Follow Crediverson on Twitter ·         Carlo Hernandez's LinkedIn ·         Crediverso's website ·         MyPocketLawyer website ·         Visit On My Way to Wealth ·         Luis' LinkedIN ·         Luis' Twitter ·         Luis' IG ·         On My Way to Wealth YouTube Channel

In this episode Luis speaks with Miri Rodriguez.  Miri is a globally recognized Storyteller, bestselling author of Brand Storytelling and owner of Be Mindful Be Happy. Miri brings 15+ years of expertise, valuable industry and consulting insights matched with a lighthearted and authentic delivery approach. Miri has earned several awards in digital marketing and customer experience and is ranked as top in-demand speaker at leading industry conferences around the world. Her social advocacy and philanthropic work include volunteering to train social enterprise leaders in Africa, coaching students at Network for Teaching Entrepreneurship in the U.S., and mentoring men and women to build their personal brand with empathy, passion and purpose. She currently works at Microsoft as Senior Storyteller for State and Local Government.   Notes:   In this episode Luis and Miri talk about:   ●       Miri's background and career path ●       Building a personal brand ●       The true meaning of wealth ●       The second edition of Miri's book ●       Using AI as a tool   And more……..   Resources:   ●       Miri's Book: Brand Storytelling ●       Miri's Website ●       Be Mindful Be Happy ●       Miri on IG ●       Miri on Twitter ●       Miri on LinkedIn ●       Visit On My Way to Wealth ●       Luis' LinkedIN ●        Luis' Twitter ●        Luis' IG ●        On My Way to Wealth YouTube Channel

In this episode Luis speaks with Vanessa N. Martinez, MBA. Vanessa is the CEO and Founder of Em-Powered Network, bringing over fifteen years of experience in wealth assessment and guidance. Barrons Top 100 Women Advisor 2020 & 2022, Forbes Top Women Wealth Advisor 2020 & 2021, Forbes Best in State 2021-2022. She is dedicated to building meaningful relationships and helping clients pass on a legacy rooted in strong values. Co-author of Family Values at Risk, Inclusive Communication to Pass on Your Family's Wealth and Legacy.   Notes:   In this episode Luis and Vanessa talk about:   ●       Vanessa's background and upbringing ●       The importance of building community ●       Being a mentor and a mentee simultaneously ●       Building generational wealth ●       SER Latino Advisor Summit   And more……..   Resources:   ●       SER Latin@ Advisor Summit ●       Vanessa's LinkedIn ●       Vanessa's Instagram ●       Empowered Network ●       Family Values at Risk Book ●       Visit On My Way to Wealth ●       Luis' LinkedIN ●       Luis' Twitter ●       Luis' IG ●       On My Way to Wealth YouTube Channel    

In this episode Luis talks about the importance of rebalancing your 401k. If you have a retirement plan at work and have not made any changes for a long time, tune in to learn more!   Notes:   In this episode Luis talks about:   ●       What rebalancing your 401k means ●       The importance of rebalancing your 401k ●       How often you should rebalance your 401k ●       The one thing people forget when they rebalance their 401k   And more……..     Resources:   Download 3 Fundamental “Money Moves” to Make Before Turning 45.   Visit On My Way to Wealth Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel  

In this episode Luis shares how he obtained the highly coveted perfect credit score. If you're looking to improve your credit score, tune in to learn more about what you should be doing today!   Notes:   In this episode Luis talks about:   ·         How having a good credit score impacts other parts of your finances ·         The different parts that make up your overall credit score ·         Often overlooked mistakes that lower your credit score ·         How to protect your credit from fraudsters     Resources:   Download 3 Fundamental “Money Moves” to Make Before Turning 45.   Visit On My Way to Wealth   AnnualCreditReport.com   Freeze Your Credit with Experian   Freeze Your Credit with Equifax   Freeze Your Credit with TransUnion   Get an IRS Identity Protection PIN Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel

In this episode Luis speaks with Jason LeDuc, CEO of Evil Genius Leadership Consultants. Jason served twenty years in the United States Air Force and retired at the rank of Lieutenant Colonel in 2015.He started Evil Genius Leadership Consultants to bring the best leadership and strategy lessons from the military to the civilian world. He maintains his growth as a leader through learning the best practices of various industries as he trains government and corporate clients, non-profit organizations, and small business owners to be effective and dynamic leaders. Jason first got involved in the Las Vegas startup community as a student member of UNLV's Rebel Venture Fund. He is a strong believer in continuing to educate ourselves, and is an avid reader and practitioner of leadership, motivation, communication and human behavior.   Notes:   In this episode Luis & Jason talk about:   ·      Thinking like a CEO regarding your personal finances ·      Leveraging your stakeholders to succeed ·      The importance of having a strong “why” ·      The power of goal setting and measuring progress ·      Developing discipline so that you don't have to rely on motivation ·      And much more…     Resources:   Download 3 Fundamental “Money Moves” to Make Before Turning 45.   Evil Genius Leadership   Schedule a meeting with Evil Genius Leadership Consultants   Jason's Youtube   Jason's LinkedIn   Jason's Instagram   Jason's Facebook   Jason's Twitter   Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel

In this episode Luis speaks with Barbara Micheletti, MS, Gerontologist & the CEO of Interrupting Aging LLC. Becoming a now 25-year Gerontologist for Barbara Micheletti was inevitable - finding her passion for helping financial, insurance, and seniors-focused industry leaders help their clients financially and emotionally plan, in advance, for age-related issues was firmly rooted in her childhood after witnessing elderly neighbors face social isolation, financial & physical challenges and later, as a business insurance advisor, witnessing and helping many of her older clients through equally devastating aging issues losses.   Barbara is a Phoenix, Arizona State University Gerontology Dept Adjunct Faculty Member, Aging & Money Blueprint online training program content creator, Maverick ToastmastersClub President, Gerontological Society of America Fitness, Exercise & Wellness Interest Group Convener, WIFS, FPA and ASA member, women's advocate, and a later-life Brazilian Jiu-Jitsu practitioner. She is a nationally recognized aging and financial fraud expert & speaker having presented at conferences including financial, insurance, adult protective services, healthcare, and senior housing, as well as dozens of webinars.   Notes:   In this episode Luis and Barbara talk about:   ●       What is a Gerontologist? ●       The mind/body connection & how anti-aging has evolved over the years ●       Your brain cells peak – how to engage our brain & promote cognitive health ●       Where do you start to become healthier and age successfully? ●       How to mitigate risk & look out for our aging parents ●       Making the transition from the work force to retirement with a positive mindset   Resources:   5 Tips for Improving Gait, Balance and Mobility As We Age   Interrupting Aging       Barbara's LinkedIN   Barbara's Facebook   Barbara's Instagram   Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel

In this episode Luis speaks with Thomas Russo. Tom is the Managing Member of Coltrain Funding Group, located in NY. With over 25 years of experience in mortgages, Tom loves to help individuals and families achieve their dream of homeownership. Tune in to learn more about what you need to know before you apply for a mortgage loan.  Notes: In this episode Luis and Tom talk about: The difference between a mortgage banker and a mortgage broker The criteria that lenders look at in order to determine a loan approval How to buy an investment property with less than 20% down Alternative lending products to traditional mortgage loans And much more…… Resources: Coltrain Funding Group's Website Follow Coltrain on Instagram Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel  

Sometimes we find ourselves in need of additional cash. Whether it's to pay off debt, buy a house, deal with an emergency or finance a project, it can be tempting to take money out of or borrow from our retirement plans. Tune in to learn more about what you should know before you borrow from your 401K.   Notes: In this episode Luis speaks about the following and more: The difference between a 401k withdrawal and a 401k loan The pros and cons of borrowing from your 401k Little known tax consequences of borrowing from your 401k What happens if you have a 401k loan and you lose your job or leave your employer Alternatives to borrowing from your 401k   Resources: Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel On My Way to Wealth Website  

In this episode Luis speaks with TV's #1 relationship expert! Pastor Cal from the TV show Married At First Sight. Tune in to learn how to make your marriage and your finances stronger as a power couple.  Pastor Cal is a sought-after magnetic speaker, acclaimed author, marriage coach, and relationship expert. As an ordained minister and pastoral counselor, Pastor Cal has dedicated nearly three decades to public speaking, teaching and relationship- building. He holds a BA in Theology from Oakwood University, a Masters of Divinity from Andrews University as well as a law degree from Columbus, Ohio's Capital University Law School. Pastor Cal and his wife, First Lady Wendy, operate the successful marriage coaching organization, Marriage Ain't For Punks, and he also serves the thriving Atlanta congregation, Progression Church, as the lead pastor. He and Wendy currently travel internationally conducting marriage and relationship conferences, boot camps and seminars. When he is not on the Married at First Sight set, he can often be found posting about his life on Instagram to his hundreds of thousands of followers.  Notes: In this episode Luis and Pastor Cal talk about: Marital C.P.R. Why every marriage should have a goal. Establishing a set standard in your marriage and your finances. The importance of community and how it helps your marriage. And much more…… Resources: Pastor Cal's Website Marriage Ain't For Punks website Pastor Cal's Facebook Pastor Cal's Instagram Pastor Cal's Twitter Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel  

‘Tis the season to be jolly! It's tax refund season for most people. Want to learn my top 6 Ways to make your tax refund work for you in 2023? Then tune in to this episode! Notes: In this episode Luis talks about: Different types of accounts to make your money work for you Credit card payment strategies Different types of investment accounts  Protecting Your Family Investing in Yourself Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 The BLX Internship Program Learn About Series I Savings Bonds Learn About 529 Plans Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel  

4 Things Every Solopreneur Should Know! Whether you have a side hustle or left your job to become a business owner, there are things that you should do in order to operate your business more efficiently. Tune in to learn the 4 things every solopreneur should know! Notes: In this episode Luis talks about: Keeping business and personal separate Forming a legal business entity Paying estimated taxes during the year Planning for your own retirement Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 The BLX Internship Program Apply for an Employer Identification Number (EIN) Making Estimated Tax Payments to the IRS Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel  

Roth IRAs are a great way to have tax free income in retirement. If you have pre-tax funds in a Traditional IRA or 401K, you may benefit from converting those funds into a Roth IRA. Tune in to learn strategies you can use and the pro's and con's to help you make an informed decision. Notes: In this episode Luis talks about: What is a Roth IRA? How much you can contribute to a Roth IRA What is a conversion and how does it work? The pro's and con's of doing a Roth conversion The benefits of doing a Roth conversion when the stock market is down Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 The BLX Internship Program Luis' LinkedIN Luis' Twitter Luis' IG On My Way to Wealth YouTube Channel

In the newest episode of On My Way to Wealth, I sit down with Andres Mazabel, Head of Advisor Solutions at Trust & Will. Having spent 10+ years in private banking, he's now on a mission to help advisors implement estate planning and deliver comprehensive planning. Andres views estate planning as a huge opportunity for financial advisors to deepen relationships, add value, and implement legacy planning conversations. Notes: In this episode Luis and Andres talk about: -What you need to know about estate planning -What is probate? -Choosing a guardian for your children  -The difference between a trust & a will Resources: Trust & Will Download the 3 Fundamental “Money Moves” to Make Before Turning 45 The BLX Internship Program Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

If you have been watching the news or scrolling social media, you may have noticed some large companies have recently laid off thousands of their employees. Being laid off and not having that steady income can be scary for many people. Tune in to hear my six money moves you should make after being laid off.    Notes:   In this episode Luis talks about:   Reviewing your severance package & expenses How a financial advisor can help you navigate life after a layoff Resources available to you after being laid off Figuring out a plan for healthcare Resources:   Healthcare.gov   COBRA Health Insurance Continuation   Download the 3 Fundamental “Money Moves” to Make Before Turning 45   The BLX Internship Program   Luis' LinkedIn   Luis' Twitter   Luis' IG   On My Way to Wealth YouTube Channel

Many people take advantage of the new year to make new year's resolutions. Some people decide to go on a diet, start a new fitness regime or learn a new hobby. If your new year's resolution is to budget, then I'm going to give you a few tips on how to create financial success in 2023. The word budget does not have to be a scary word. In this episode, I talk about creating a budget that gives you the ability to enjoy your life and still do things you love so you don't feel like you are restricting yourself. Small changes over time lead to big results!   Notes: In this episode Luis talks about: -Simple steps to help reach your financial goals in 2023 -Why the word budget doesn't have to be restrictive -How to be strategic about where you put your dollars -Why money dates with your partner are important for budgeting -What is a balance transfer, and can it help me?   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 The BLX Internship Program Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel Atomic Habits by James Clear

In this episode Luis talks about: Long-term cost and benefits of buying a home vs. renting The biggest difference between renting and owning Cost-benefit analysis and what you are able and willing to spend How much of your time can you invest into home ownership  Bottom line for Gen Z Resources: Read Luis's Article Here! Lets Make a Plan Website Download the 3 Fundamental “Money Moves” to Make Before Turning 45 The BLX Internship Program Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

In today's episode, Luis speaks with Louis Barajas. Louis is the first Latino CERTIFIED FINANCIAL PLANNER™ pro, speaker, author, and entrepreneur. Growing up in East Los Angeles to Mexican immigrant parents, Louis was passionate about imparting financial wisdom to the unbanked Latin community. However, seeing the deficiency in just financial planning, he was inspired to help his community achieve success. It's about putting people first, financial planning, and finally, financial doing! Louis is certainly the man who practices what he preaches. Listen and be inspired by his trailblazing journey of overcoming a poor financial mindset to being one of the best in the industry and helping others by empowering them to take control of their lives. In this episode Luis and Louis discuss: How Louis made it to where he is today Louis' new PBS show, Opportunity Knocks Empowering people vs just doing it for them Community Development Financial Institutions  Opportunity Finder search tool   Resources: Louis' Website: www.louisbarajas.com Louis' LinkedIn: www.linkedin.com/in/louis-barajas/ Louis' Twitter: @louisbarajas  Louis' Instagram: @louisbarajas Louis' Facebook: www.fb.com/LouisBarajas  Louis Barajas Books Opportunity Knocks Download the 3 Fundamental “Money Moves” to Make Before Turning 45 The BLX Internship Program

There's still time to make some money moves in 2022. Tune in to episode 128 to learn what you can do to end 2022 strong and start 2023 with great momentum.  Notes: In this episode Luis speaks about the following: Student Loan Payments Resuming Reflecting on Life Changes That Happened During the Year Rebalancing Your 401K and the New Contribution Limits New Contribution and Income Limits for Roth IRAs Opportunities before Year-end and Starting 2023 with a Bang!  Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 The BLX Internship Program Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

Arelis Correa serves as VP, Director, Global Acquisition for Brown-Forman Corporation. With a specialization and passion for recruiting talented people to join Brown-Forman, Arelis has served in talent acquisition roles with increasing responsibility during her 18 years at the company. This includes stints supporting Brown-Forman's former North America Region, as well as its International divisions. Arelis assumed leadership responsibility for Global Talent Acquisition in 2018 and was named to the HR & Communications Leadership Team in 2020. A true advocate for diversity, equity, and inclusion, Arelis has served in several leadership roles for COPA, Brown-Forman's employee resource group for Hispanic/LatinX employees and their allies. In addition, she works diligently and relentlessly to ensure Brown-Forman's talent acquisition processes are aligned and supportive of the company's Many Spirits, One Brown-Forman diversity and inclusion strategy. Arelis is known for her strong focus on continuous improvement, her dedication to ongoing learning, and her collaborative and innovative mindset. When she's not at work, Arelis is often spending time with family and friends, including her husband, and daughter. Notes In this episode Luis and Arelis discuss: -How intentional and conscious decisions from Arelis' parents' helped mold Arelis in her career -How one professor saw potential in Arelis and motivated her to seek a profession in HR -Why mentorship is so important in our career paths -Misconceptions about the Latino community -The power of being a positive thinker! -Being mindful of your money and living within your means Resources Arelis' LinkedIn Hispanic Executive: Arelis Correa-Arnold Creates a Culture of Care Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel BLX Internship Program 

Joyce Rojas has positively impacted thousands of people's lives by shifting their relationship with money. She's the national and international bestselling author of 31 Badass Money Mindset Affirmations, has been a top financial advisor at Fortune 500 companies, holds a Master's in Business Administration, and recently opened her own investment firm. But what she's most proud of, is the journey to these accomplishments. As a daughter of immigrant parents, she never learned about investing and as a single mom, she struggled financially and wondered how she'd do this on her own. But it was in this process where she realized that wealth begins with mindset, and she successfully re-designed her life. She now combines her financial expertise with personal growth strategies to effectively teach others how to make, grow, and manage money without working so damn hard for it.   Notes In this episode Luis and Joyce discuss:   -What is your Financial Thermostat? -Rewiring your money mindset -How surrounding yourself with great coaches will help you reach your financial goals -You are defined by your value system – not by materialistic things. -Sometimes the money doesn't match the picture!   Joyce's Book Joyce's Website Joyce's Youtube Joyce's Facebook Joyce's Instagram Joyce's LinkedInDownload the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

Uziel is a first-generation college graduate. He was born and raised in San Fernando, California, where his parents migrated after leaving their native country, Mexico. Uziel's dad is a construction worker, and his mom is a homemaker. Growing up in a low-income household, Uziel explored careers where he could serve as a resource to empower his family and community. Uziel graduated from California State University, Northridge, with a bachelor's degree in Financial Planning. He's currently completing a Financial Planning Residency at a fee-only RIA firm. Uziel is passionate about helping people navigate their financial journeys to help them reach their goals. Uziel also volunteers in the BLX internship program to promote diversity and inclusion. The BLX internship program helps place aspiring Black and Latinx financial planners with meaningful internships in fee-only RIA firms. Notes: In this episode Luis and Uziel discuss: How Uziel is working to have a direct impact on his community Pursuing your passion and creating your own opportunities Building wealth through educating the Latino community on the importance of finances Uziel's advice for those who want to become a Financial Planner Resources: Uziel's LinkedIn  Uziel's Twitter Download the 3 Fundamental “Money Moves” to Make Before Turning 45  LatinXcellence, more than a brand, it's a movement!  Luis' LinkedIn  Luis' Twitter  Luis' IG  On My Way To Wealth YouTube channel 

  In this special Hispanic Heritage Month Edition episode, Luis speaks with Joelle L. Martinez. Joelle is the president and CEO of the Latin Leadership Institute. Joelle is a nationally recognized executive, strategist, speaker and facilitator. A visionary leader, Joelle has dedicated her life to helping cross-sector leaders realize their individual potential as well as the economic and social opportunities present by an increasingly diverse U.S. populace.  Prior to the Latino Leadership Institute, Joelle spent more than 15 years building winning communications, business development, and public affairs strategies in both private and public sectors. Joelle is a subject matter expert in neuroleadership, Latino identity, civic engagement, workplace diversity and inclusion, and demographic shifts. In 2017, Joelle was named one of the most powerful women by the Colorado Women's Chamber of Commerce. In 2019, she was honored by the NFL Hispanic Heritage Foundation and Nationwide for her outstanding contributions to the Latino community. She currently serves on the Hispanic Advisory Council for Coca-Cola and has served on boards, advisory councils, and executive committees for Mile High United Way, Building Better Colorado, Museum of Nature and Science, Denver7 Colorado, Prosper Colorado. Joelle is a member of the NeuroLeadership Institute and is a certified practitioner of both Insights Discovery® and i4®. Notes: In this episode, Luis and Joelle talk about the following and more: Training Latinos for leadership Getting Latinos to own their superpower! Don't discount your power. Breaking through barriers in management and leadership positions Navigating imposter syndrome Understanding your worth and knowing your value Resources: Latino Leadership Institute LinkedIn Latin0 Leadership Institute Twitter Latin0 Leadership Institute Website Latino Leadership Institute Facebook Latino Leadership Institute Instagram Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

In this special Hispanic Heritage Month Edition episode, Luis speaks with Valerie Rivera. Valerie is the founder of FirstGen Wealth, a financial planning practice serving early to mid-career first-generation wealth builders across the country. She is passionate about normalizing quality financial advice and educating people on becoming financial powerhouses! Valerie Rivera is a proud Latina and first-gen Mexican-American. She was born and raised in the Southside of Chicago. She continues to live there today, with her husband and their three-year-old daughter, Violet Esperanza. Valerie has spent over 10 years in financial services, working directly with individuals and families on all aspects where money touches life. She is part of just over 1% of Latinas who hold the Certified Financial Planner™ designation. Notes:  In this episode, Luis and Valerie talk about the following and more:  Perspective is everything! How Valerie discovered her love for wealth management and financial planning Promoting advocacy within the Latino community The lack of diversity in financial planning firms Building a practice that fits your life/work balance Resources: Valeries' LinkedIn Valeries' Twitter Valeries' Youtube Valeries' Website  Download the 3 Fundamental “Money Moves” to Make Before Turning 45  LatinXcellence, more than a brand, it's a movement!  Luis' LinkedIn  Luis' Twitter  Luis' IG On My Way To Wealth YouTube channel

Bank of America recently announced a new no money down mortgage program for first-time home buyers, called the Community Affordable Loan Solution™. Tune in to learn about this new program, and to hear my thoughts on no money down mortgage loans. Notes: In this episode, Luis speaks about the following and more: Bank of America's Community Affordable Loan Solution™ What private mortgage insurance is and how it can increase your mortgage payment What debt-to-income-ratio is and how it's used to determine if you qualify for the loan How you can qualify for a home you cannot afford Sources: https://newsroom.bankofamerica.com/content/newsroom/press-releases/2022/08/bank-of-america-introduces-community-affordable-loan-solution--t.html   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

The Department of Education recently announced a new plan which will provide for additional deferment of payments on federal student loan debt, as well as loan forgiveness for millions of borrowers. Tune in to learn the qualification criteria and see if you're eligible. Notes: In this episode, Luis speaks about the following and more: Extension of the student loan repayment pause Income guidelines for student loan forgiveness eligibility Changes to the income-driven repayment plan How to access information on the new changes to the Public Service Loan Forgiveness Program Sources: https://studentaid.gov/debt-relief-announcement/   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! U.S. Department of Education Subscriptions Page Public Service Loan Forgiveness Information Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

The Inflation Reduction Act was recently signed into law and allocated $79 billion dollars for the IRS. The IRS is said to hire 87,000 full-time employees, which has caused some concern from some regarding the likelihood of IRS audits increasing. Tune in to learn why the IRS needs this kind of funding, and the things the new budget will be allocated towards. Notes: In this episode, Luis speaks about the following and more: IRS budget and employees for the past 10 years IRS delays in processing tax returns IRS delays in answering calls Who is more likely to get audited in the future Sources: https://money.com/irs-funding-higher-taxes-more-audits/ https://www.irs.gov/newsroom/irs-statement-by-irs-commissioner-chuck-rettig-on-the-inflation-reduction-act   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Taxpayer Advocate Service – IRS' Most Serious Problems Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

According to the Consumer Financial Protection Bureau, Americans are struggling with over $88 Billion dollars in medical debt. Tune in to learn how new medical debt reporting changes will impact your credit scores.  Notes: In this episode, Luis speaks about the following and more: New changes to medical debt collection reporting on credit reports Understanding your explanation of benefits  Tips to navigate medical debt How to plan ahead in order to maximize your health insurance benefits and minimize medical debt   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! AnnualCreditReport.com Medical Debt Burden in the U.S. Report by CFPB Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

Childcare is one of the biggest expenses for some families. Tune in to learn how to take advantage of the pre-tax benefits of a Dependent Care Flexible Spending Account. Notes: In this episode, Luis speaks about the following and more: What is a Dependent Care FSA? Eligible Expenses Dollar limitations Coupling Dependent Care FSAs with other pre-tax benefits to maximize your tax savings   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

Life insurance is an important aspect of your overall financial plan. With so many options available, how do you know which one is best? Tune in to learn about the two most common types of life insurance and which one is best for your circumstances. Notes: In this episode, Luis speaks about the following and more: When you need life insurance Term Life vs. Whole Life A Little-Known Type of Term Insurance Buying Term and Investing the Difference   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG On My Way To Wealth YouTube channel

Jose is from the small town of Glorieta, New Mexico. Although poor monetarily, he was raised in an environment that was wealthy in traditions, family, and community. His parents were both educators and community leaders, and inspired Jose throughout his life. He learned the value of a hard-earned dollar and the effort and sacrifices to keep it. Jose is a military veteran, the founder of his own fee only flat fee financial planning and investment management firm working in and beyond Santa Fe and Albuquerque, New Mexico. He's also the creator of the Bad Ass Retirement podcast. Most importantly, he is a family man, married to the love of his life Jasmin, and has 3 beautiful children.  Notes: In this episode, Jose & Luis talk about the following and more: Retirement is a phase, not an event Why most financial plans are wrong and the importance of ongoing planning Using values based financial planning to achieve your goals in retirement Creating good habits to help transition into retirement and beyond   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Jose's Website Jose's Books on Amazon Jose's LinkedIn Jose's Instagram Jose's Facebook Jose's Twitter

The S&P 500 is now in bear market territory. Before you make any moves, tune in to learn four things you need to know about bear markets. Notes: In this episode, Luis talks about the following and more: Definition of bear market Average occurrence and length of bear markets The one thing you should not do during a bear market The importance of a diversified portfolio   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG

Inherited IRAs can be a great way to continue to build wealth. Tune in to learn the IRS distribution rules in order to minimize taxes on your distributions and take advantage of tax deferred growth. Notes: In this episode, Luis talks about the following and more: Required Minimum Distributions Spouse vs Non-Spouse IRS rules IRAs with Multiple Beneficiaries The benefits of disclaiming all or part of the inherited assets   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG

A solid financial foundation is key to building generational wealth. Tune in to listen to easy to implement ways that you can start on your money journey and build a better financial future for yourself and generations to come.  Notes: In this episode, Luis talks about the following and more: The importance of generational wealth How to help your kids build credit The gift you can give your kids at an early age to give them a head start Why estate planning is not only for the rich   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! How to Build Generational Wealth via Hispanic Executive Luis' LinkedIn Luis' Twitter Luis' IG  

Knowing and keeping track of your net worth is a great tool to measure progress in your finances. Tune in to learn how to grow your net worth and build a better financial future.  Notes: In this episode, Luis talks about the following and more: How to calculate your net worth Strategies for growing your net worth Good debt vs. bad debt Ways to protect your net worth   Resources: Download the 3 Fundamental “Money Moves” to Make Before Turning 45 LatinXcellence, more than a brand, it's a movement! Luis' LinkedIn Luis' Twitter Luis' IG