Latina Investors

192. The 4 Emotional Stages of Paying Off Debt (And How to Get to the One That Actually Works) 23.07.2026 18min

"You're not panicking about your debt, but you're not really moving either. You're just coasting.In this episode, Andrea shares the next chapter of her credit card debt payoff journey and introduces the four emotional stages that almost every person goes through when they are working to get out of debt. These stages are not about the numbers. They are about what is happening inside of you as you face, fight, make peace with, and finally commit to paying off what you owe.You'll learn:✅ The 4 emotional stages of debt payoff and what each one actually feels like✅ Why being too comfortable with your debt can keep you stuck for months✅ What debt conviction is and how to know when you have reached it✅ Why paying off debt from a place of belief gets faster results than paying from fearLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

191. The Cash Rule That Changed How I Manage Money 23.07.2026 17min

Do you ever get that feeling where money comes in and somehow it is already gone? There might be one habit quietly keeping you stuck, and it is more common than you think.In this episode, Andrea shares a personal story from early in her marriage that sparked one of the most important money conversations she and her husband have ever had. and one chanlived by an unspoken rule around money. She breaks down why our brains struggle to track money that has not landed yet, how we end up double spending without even realizing it, and why this one shift — moving at the speed of cash — can help you finally feel like your money is working for you instead of disappearing the moment it arrives.You'll learn:✅ What "spending money that's coming" actually looks like in real life and why it is so easy to fall into✅ How double spending happens faster than you expect and what it is costing you✅ What it means to move at the speed of cash and how to start this week✅ Why feeling like you can never get ahead is often a systems problem, not a discipline problemIf your money has been feeling like it disappears the moment it arrives, this episode is going to give you a new way to look at it — and one simple rule you can start practicing right now.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

190. I Didn't Know I Had a Debt Ceiling Until I Almost Hit It [Debt Payoff Series, Pt. 3] 16.07.2026 15min

There's a number where debt stops feeling manageable and starts feeling like too much — I call it your debt ceiling, and I was starting to hit mine at $13,300.In this episode, I share what happened after I regulated my nervous system and made peace with my numbers: a big sales month that let me put $4,000 toward my debt in one shot, how that one decision cut years off my payoff timeline, and the debt ceiling concept that's shaped how I think about debt as a tool ever since.You'll learn:✅ What a debt ceiling is and how to figure out yours✅ How one lump sum payment changed my payoff timeline and interest total✅ Why I don't believe paying off debt as fast as possible is always the smartest moveLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

189. What To Do First When You Feel Like You're Drowning In Debt [Debt Payoff Series, Pt. 2] 09.07.2026 15min

Before I could even look at my debt numbers, I had to do something first that would set me up to succeed. In this episode, I share the exercise that helped me face $13,300 in debt without spiraling and with much more calm. I share my real journal entries, the big takeaways and how I felt like this was no longer "weighing down" on me so that I could implement strategy better. You'll learn:✅ The exercise I used to stop panicking about my debt and make it feel lighter✅ The real numbers behind my debt, including worst-case interest costs and listing out all my options✅ How making peace with the "worst case scenario" freed me up to problem-solveLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

188. How Maternity Leave, a Business Slump, and Avoidance Turned Into $13K of Debt [Debt Payoff Series, Pt. 1] 09.07.2026 15min

I made a big investment on a 0% interest credit card, told myself I'd figure it out later. In this episode, I walk through the origin story of the debt. And everything that came after from investing intp a business mastermind, then facing a postpartum business slump, a chaotic childcare schedule, and months of avoiding my credit card statement altogether.You'll learn:✅ Why I put $15K on a credit card instead of paying cash✅ How a business slump and new motherhood collided at the worst time✅ Why I avoided looking at my numbers for months — and what that avoidance cost meLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

187. I Got Into $13K of Business Credit Card Debt — Here's Everything I'm Doing to Get Out Of It [Debt Payoff Series Intro] 09.07.2026 2min

I got into $13,300 of business credit card debt, and I want to share the journey. In this episode, I'm kicking off a series where I share everything — the strategy, the mindset spirals, the wins, the shame, the numbers — from the last six months of working through this debt. Whether you're a business owner navigating cash flow decisions or a 9-to-5er carrying your own debt, this series is for you.You'll learn: ✅ Why I'm sharing this journey in real time, before it's "paid off"✅ What this series will cover for both business owners and 9-to-5ers perspectives ✅ Why talking about debt openly matters in order to lose the shameLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

186. Why "Can I Afford It?" Is the Wrong Question to Ask Yourself [A Real Money Check-In Story] 11.06.2026 16min

You said yes before you even checked. You know you want to go. You know you'll figure it out. But somewhere in the back of your head, there's this low hum of uncertainty that follows you the whole time — and it takes the edge off the fun.A few weeks ago, a friend texted me about a beach trip for the Fourth of July. It was an immediate yes. No hesitation. But before I sent that confirmation text, I asked for a few days to look at the numbers. In this episode, I breaks down exactly what happened when I sat down to do that money check-in, what I found, what I adjusted, and why my husband didn't quite get it at first. I also explains the difference between asking "can we afford this?" and asking "how are we going to cash flow this and still hit our wealth goals?" — because those are two very different questions, and only one of them actually builds wealth.You'll learn:✅ Why "can we afford it" is not the right benchmark if you are serious about building wealth✅ What it actually looks like to cash flow a fun expense without derailing your goals✅ Why a 20 to 30 minute money check-in, asking yourself the right questions, before a big decision can give you total peace for the whole trip✅ How to give every version of yourself — present you, future you, mom you, wealth-building you — a seat at the tableIf you are the person who always figures it out later but never quite feels settled about it, this episode is going to hit home. The goal is not just to afford the trip. The goal is to enjoy it fully, knowing your numbers are already handled.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

185. 3 Reasons Your Money Still Feels Tight Even When You're Making More 04.06.2026 22min

You check your bank account, the number looks okay, and you feel like you are probably fine. So you spend. Or you think you can save a little this month because things have been pretty good. And then somehow, at the end of the month, you are sitting there wondering where all your money went. If that cycle sounds familiar, this episode is for you.In this episode, Andrea breaks down three money decision-making patterns that feel completely right in the moment but are actually keeping you stuck. It's not that you're being irresponsible or undisciplined. But that you might be making money decisions without the right information, and your brain is doing exactly what it was built to do: help you survive. But what if the goal isn't survive...but build wealth? In this episode, you will learn: ✅ Why checking your account balance feels helpful but is actually giving you a false sense of financial security✅ What energetic minimums and maximums are and how they are silently running your money decisions✅ Why saving only when it feels like you have enough will never build consistent wealth✅ What a real money system looks like and how automation removes the mental load and helps you build wealth with every paycheckIf you are making more than you ever have and still feel like nothing is sticking, this episode will show you why, and what to do about it.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

184. Roth IRA vs 401k: How To Use Both to Build A Comfortable Retirement 28.05.2026 21min

You have a 401k through your job and you keep hearing that you also need a Roth IRA. But no one ever sat you down and explained how these accounts actually work together, what the difference really is, or whether you even need both. So you are out here doing your best, hoping it all adds up one day, and trying not to feel behind.In this episode, Andrea breaks down the 401k and the Roth IRA in a way that actually makes sense, starting with what these accounts really are, how they are different, and how they can work together to build your retirement. In this episode, you'll learn:✅ What a 401k and a Roth IRA actually are and how to think about them as tools, not just accounts✅ The key tax difference between both accounts and why having both gives you more flexibility when you retire✅ When it makes sense to focus on just your 401k and when it is time to open a Roth IRA✅ How to shift from hoping your retirement works out to actually knowing it willIf you are ready to stop guessing and start building a retirement strategy that is specific to your goals and your life, this episode is your starting point.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

183. Why First Gen Latinas Struggle to Ask for More And How to Change That With Career Coach Evie Prete 27.05.2026 53min

Have you ever gotten a raise and immediately thought, I am going to get fired? Have you ever avoided looking at your debt because something about that number feels like it says something about who you are? If you are first-gen, you probably were not taught how to build wealth. You were taught how to survive with money. And there is a big difference.In this episode, I sit down with a career coach Evie Prete who has been in the trenches of this work for years, helping first gen Latinas/WOC stop undervaluing themselves, start asking for what they are actually worth, and build the kind of identity that can hold more money without self-sabotaging it away. We get real about our own stories, and what it actually took to go from knowing we needed to do something different with money to actually doing it.This episode is for you if you have ever felt like asking for more was ungrateful, if you have ever taken a job offer at the bottom of the salary band when you deserved to be at the top, or if you have ever wondered why building wealth feels so hard even when you know all the right steps.You'll learn:✨ Why survival money advice keeps you in protection mode and how to start shifting toward a wealth-building mindset✨ How your nervous system responds to debt, salary negotiations, and financial wins, and why getting neutral matters before the strategy does✨ How visualization and journaling help your body get familiar with a version of your life it has never lived before, so you can actually receive it when it arrives✨ Why detaching from the outcome of a negotiation is not about not wanting it, it is about showing up from your value instead of your fearThis conversation is the one you did not know you needed. It is honest, it is warm, and it is going to give you a lot to think about, journal on, and move through.Connect with Evie: Salary Negotiation Checklist Pagame PodcastLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

182. The Difference Between Saving Money and Strategically Building Wealth 21.05.2026 23min

You are saving every month. But somehow it still feels like you are not really getting anywhere, and you are not sure what you are missing.If you grew up with the message that saving money was the goal, you probably nailed it. You figured out how to put money aside. You built up your savings. And now you are wondering why it does not feel like wealth. In this episode, Andrea breaks down the difference between saving money and being strategic with your money. She shares why the blanket advice most of us grew up with, save your money, was a starting point and not a destination. She walks through how to start thinking about money as a resource you can direct toward specific outcomes, how to use every paycheck to get closer to real goals, and why building the skill and identity of a wealth builder matters more right now than the exact amount you are working with.You'll learn:✅ Why saving alone will never build wealth and what to do instead✅ How to treat your money as a resource that creates specific outcomes✅ The formula Andrea uses to reverse-engineer financial goals by timeline✅ How to stop feeling powerless with money and start feeling like a creator of your own outcomesLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

181. SAHMs Are An Asset (How to Stay Financially Empowered When You Leave the Workforce to Raise Your Kids) 14.05.2026 30min

If you became a stay-at-home mom and quietly started feeling like you need to ask permission to spend money, or like finances are his territory because he's the one bringing home the check, this episode is for you.Right after my daughter was born, I found herself seriously considering stepping away from work. I sat with the idea, ran through the logistics, thought about what her finances would look like, and had to confront what it would actually feel like to no longer have her own income coming in. I ended up going back to work, but everything I had to think through in that season became the foundation for this episode.Before anything tactical, I start with the mindset that every stay-at-home mom needs to fully step into. You are an asset. Not just emotionally, not just as a caregiver, but economically. The childcare you provide, the household you run, the space you create for your partner to grow their career, all of it has real financial value. And when you understand that, it changes how you show up in money conversations.In this episode, you'll learn: ✅ How to understand the movement of money in your household, what comes in, what goes out, where the extra is going, and where all your accounts live✅ Why having money going into accounts in your name, a personal spending account, a personal savings account, and a spousal IRA, is about autonomy and protection, not distrust✅ Why losing years of retirement contributions matters and how a spousal IRA keeps your financial future growing even when you are not on a payroll✅ How term life insurance and long-term disability insurance protect your household when one partner is the sole income earner✅ How to set clear household boundaries so you are not the default for everything, all the time, without supportThis is the episode I wish someone would have handed me when I was four months postpartum, sitting with a decision that a lot of women face and not many people talk about financially. Whether you are already a stay-at-home mom, considering it, or partnered with someone who is, this one is worth a listenLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

180. How Janely Went From Paycheck to Paycheck to $26K Net Worth Growth 14.05.2026 41min

You have been paying your bills on time. You have a savings account. You are not struggling in the way you grew up watching your parents struggle. But you still get to the end of every paycheck and think — where did it all go? And if that question makes you feel a little ashamed, a little stuck, or just tired of not knowing — this episode is for you.I am sitting down with Janely, a 1:1 client who just wrapped up her 12-week 1:1 money coaching journey. She will share how she went from feeling like she was spinning her wheels to growing her net worth by nearly $26,000 by paying off $10,000 in credit card debt and growing her savings from the ground up to almost $8,000. We also talk about how coaching changed the money conversations she was having with her husband, why she describes the experience as therapy for your money, and what she would tell anyone who is on the fence about making that investment in themselves.In this episode, you will learn:✅ Why a good income does not automatically equal financial security or direction✅ How an automated money system replaced budgeting and actually stuck & become sustainable✅ What it looks like to build savings, pay off debt, and invest all at the same time✅ How Janely set up investing accounts for her kids starting from scratch✅ How her money conversations with her husband completely evolved over 1:1 money coaching Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

179. Index Funds vs. Mutual Funds vs. ETFs: What First-Gen Latinas Actually Need to Know 07.05.2026 27min

Have you ever heard the words index fund, mutual fund, or ETF and nodded along like you knew what they meant even though you don't fully understand? You are not alone, and this episode is here to change that.In this episode, Andrea breaks down three of the most important investing products you need to know: index funds, mutual funds, and ETFs. She starts from the very beginning — what a stock is, what a bond is, and why buying individual stocks is riskier and more complicated than most people realize. And then, walks you through what funds actually are, why they exist, and how they make investing simpler, more diversified, and more accessible for everyday investors who are not sitting at a computer researching companies all day.You will learn the key difference between a mutual fund and an index fund, including why the fees you pay matter more than you think. You'll also understand what an ETF is, how it is different from the other two, and why it can be a smarter choice inside a taxable brokerage account. Andrea also shares her own investing journey, and reminds you that starting imperfectly is still the first step. You will walk away knowing how to think through which fund belongs in which type of account and how to build a strategy that runs on autopilot so you can stop stressing and start living.What You'll Learn from this Episode:The difference between a mutual fund and an index fund, including how fees play a roleWhat an ETF is and how it is bought and sold differently than mutual funds and index fundsWhy ETFs can be more tax efficient and when to use them strategicallyWhy starting before you have the perfect strategy is always better than waitingLearn more about 1:1 Money Coaching: ⁠www.buildinggenwealth.com/moneycoaching⁠

178. From Surviving to $27K Saved & $9k Debt Paid Off: How Ariana Did This With Inconsistent Freelancer Income 06.05.2026 32min

If you have ever felt like money is something you are just trying to survive rather than something you actually own, this episode is going to feel like a breath of fresh air.Today I am sitting down with my client Ariana for a real check-in conversation, about a month after she finished her 1:1 Money Coaching program. Ariana came to me in June of 2024 as a freelancer and independent contractor dealing with inconsistent income, a blurry picture of her spending, and a Fidelity account with thousands of dollars sitting untouched for almost two years. She knew something needed to change, but she did not know where to start.What she shares in this episode is honest, real, and the kind of story that plants a seed. Because if you have ever thought this might work for other people but probably not for me, hearing where Ariana started and where she is now might just change your mind.You'll learn:✅ What it actually looks like to build a money system around freelance and contractor income when your paychecks are inconsistent and unpredictable ✅ How Ariana went from financial avoidance and a survival mindset to checking in on her money every week and feeling genuinely empowered by what she sees✅ Why Ariana had thousands of dollars sitting in her brokerage account for nearly two years without investing a single dollar, and what finally helped her move past the intimidation This episode is a reminder that the money journey is not about being perfect. It is about building a system, shifting your mindset, and giving yourself the space to actually learn. @arianabautista_Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

177. High Yield Savings Account vs. Taxable Brokerage: Where Should Your Money Actually Go? 23.04.2026 22min

Register for my free training here: https://www.bgwprograms.com/any-economyYou know you should be doing more with your money. You have savings sitting somewhere, maybe in a Chase or Wells Fargo account earning practically nothing, and you keep hearing about investing but you are not sure if you are ready, or where your money should even go. In this episode, I am breaking down the difference between a high yield savings account and a taxable brokerage account. Not just what they are, but when to use each one, how much to keep in each, and how to think about your money in a way that actually makes sense for where you are right now.You'll learn:✅ What a high yield savings account is and why it earns significantly more than a traditional bank savings account✅ What to keep in your high yield savings account ✅ What a taxable brokerage account is and how it can grow your money outside of retirement accounts✅ How to use timeline sensitivity to figure out exactly where your money belongs right nowIf you are ready to stop letting your money sit and start building a real strategy, this episode is your starting point.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

176. FREE TRAINING: How to Grow Your Money Even in This Economy (Simple Investing Strategy) 16.04.2026 22min

Register for my next investing training here: https://www.bgwprograms.com/any-economyWith rising prices, market volatility, and constant headlines about a potential recession, it’s easy to feel like you should wait before investing. But the truth is: building wealth isn’t about timing the market. It’s about having the right strategy.In this episode, I’m breaking down how to grow your money even when the stock market feels uncertain. You’ll learn what actually happened in the market recently, why some people panic while others lean in, and how to position your money so you can feel confident no matter what the economy is doing.In this episode, we cover: 💰 What’s really going on in the stock market (and why it’s not as scary as it feels)💰 The 3 things you need to grow your money in any economy💰 Why most investing advice (like “just buy this one fund”) isn’t enoughLet's connect: Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

175. How to Tolerate Investment Risk as a First Gen Investor 13.04.2026 28min

If you grew up in a household where money was protected, preserved, and kept safe at all costs, the idea of investment risk probably feels like a threat. But for first-gen women building wealth, learning how to tolerate and use risk strategically is one of the most important shifts you'll ever make. In this episode, Andrea breaks down what investment risk actually means, why first-generation women tend to be risk averse, and how to start stretching your capacity for risk so your money can actually grow.We'll cover: ✅ The difference between playing defense with your money and playing offense, and why first gen women default to protection over growth✅ How to figure out where you fall on the risk tolerance spectrum and what to do with that information✅ 2 powerful strategies to reduce your investment risk in the stock marketLet's connect: Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

174. First Gen Money Mistakes And Why Shame Isn't the Answer 09.04.2026 21min

Making a money mistake doesn't make you bad with money, it just means you're first. If you've ever made a money decision you regret and spent months (or years) quietly carrying the shame of it, this episode is the permission to finally put it down. Andrea shares a personal breakthrough she had during a recent coaching call — a moment that helped her finally release the shame she'd been holding around her own money mistake. What she heard reframed everything: when no one has taught you how to steward money, and you don't come from generational wealth, mistakes aren't a character flaw. They're part of the journey.This episode is for every first gen WOC who has told herself "I should have known better," and needs to hear why that narrative isn't fair and isn't true. In this episode we cover: ✅ Why money mistakes are inevitable for first gen wealth builder, and what to do instead of spiraling in shame. ✅ The 3 part framework for moving through a money mistake: compassion, wisdom, and resilience✅ How releasing shame is actually what keeps you in the game and building wealth long-termLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

173. Is it worth it to open a Trump Account? (530a Account) 02.04.2026 22min

Discover the Hidden Power of the 530A Account for Your Child's FutureMoney isn't just personal—it's political. As first gen WOC, knowing how policy impacts your financial options is crucial. In this episode, I break down the new 530A accounts, often dubbed "Trump accounts," and their potential for your child's financial future. While the political landscape may not always align with our values, understanding these accounts can open up powerful opportunities for wealth-building in your community.In this episode, you’ll learn:✅ The unique benefits of the 530A account for your child's retirement✅ How a simple $1,000 seed can grow to nearly half a million dollars✅ Strategies to leverage this account even if your child isn't eligible for the initial contribution...Let's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

Latina Investors

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