Latina Investors

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

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 21p

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 53p

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 23p

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 30p

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 41p

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 27p

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 32p

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 22p

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 22p

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 28p

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 21p

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 22p

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

172. FAQs: 1:1 Money Coaching 26.03.2026 36p

Have you been thinking about joining 1:1 money coaching but something holds you back? In this episode, I share with you 3 hesitations that might be getting in the way of going after your desire of saving, investing & building wealth. You'll learn: ✅ You're brain's main job and how it actually goes against personal growth ✅ What you miss when you only focus on getting to your goals "as fast as possible: ✅ The reason you aren't moving in the direction you want with your investments and the 4 stages you have to work through to take actionLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

171. How much money do you need to move out of your parents' house? 26.03.2026 26p

Living with your parents is one of the biggest wealth-building advantages you can have. But only if you know how to use it.A lot of first gen WOC are in this season right now: low expenses, decent income, and a gut feeling that they should be doing more with their money before they move out. The problem is most people make this leap based on a number that feels right, not one they've actually run. In this episode, Andrea walks you through the exact three-step process she uses with her 1:1 clients to help them move out of their parents' home feeling financially certain, and not "financial hope." From building a real money system to saving for the right goals in the right order, this episode gives you the practical framework to make that transition without gutting your savings or starting from scratch.In this episode, you'll learn:✅ Why a budget alone isn't enough — and what a money system actually is and why it's the piece most people are missing✅ How to identify and save for the right goals before you move out so you're not draining your emergency fund the moment you sign a lease✅ How to figure out exactly how much rent you can afford while still saving, investing, and building wealth on your new income. . .Let's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

170. What I Did With My Money During the 2020 & 2022 Market Crashes...And What I'm Doing Now 19.03.2026 23p

If the headlines are making you want to pull back from investing right now, this episode is for you.The market feels uncertain. There's recession talk, layoffs, inflation, and a lot of noise. And if you grew up in a household where money was scarce, that noise hits different — it goes straight to your nervous system and tells you to protect, hoard, and wait it out. Andrea gets it, because she feels it too. In this episode, she gets real about her own fear response to economic uncertainty, where it comes from, and why she's still investing anyway. She walks you through exactly what she did during the 2020 and 2022 market crashes — including the $1,000 she pulled from her emergency fund and the $10,000 she invested while prices were dropping — and what those experiences taught her about how wealth is actually built.This one is part data, part pep talk, and all the way real.In this episode, you'll learn:✅ Why market downturns can actually work in your favor as a long-term investor — and how to think about them without panicking ✅ How scarcity programming from childhood shapes the way first-gen women respond to recession talk and economic fear ✅ Why blindly following investing advice on social media can leave you stuck when the market gets rocky — and what to do instead. . .Let's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

169. How Viviana Went From $18K in CC Debt, an uninvested Roth IRA to Finally Making Her Money Work for Herr [1:1 Client Interview] 17.03.2026 35p

You can save, invest, and pay off debt at the same time — and Viviana is proof.In this episode, I'm sitting down with my 1:1 money coaching client Viviana Gonzalez, who came into coaching with $7,000 sitting uninvested in a Roth IRA, $18,000 in credit card debt, and a retirement goal she thought was probably unrealistic. On top of that, she was navigating her mom's divorce, a family health scare, and a car accident — all at the same time. Life was chaotic, and she still chose to work on her finances and that decision changed everything.Viviana shares what it was like to go from feeling overwhelmed by a brokerage platform to moving a large chunk of her savings into investments — and actually seeing it grow. She opens up about the shame of putting herself first as an eldest daughter, the money beliefs she had to unlearn, and why she now tells every coworker she sees to open a Roth IRA.If you've been waiting for the "right time" to get your money together, this episode is your sign that the right time is now.In this episode, you'll learn:✅ Why you don't have to choose between paying off debt and investing — and how to do both at the same time✅ How understanding your investor type gives you the confidence to stop following the herd and make decisions rooted in your own goals✅ Why working on your money is also emotional work — and how setting financial boundaries with family is part of building real wealth. . .Let's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

168. Credit Scores + That One Time I Got Sent To Collections 12.03.2026 26p

Have you ever felt the anxiety of discovering a collection on your credit report? Join me as I walk you through my eye-opening journey of navigating a surprise bill sent to collections, and the lessons learned about maintaining a healthy credit score. For first-gen WOC, understanding credit is crucial, yet often overwhelming. Let's demystify the process and empower you with the practical steps to take charge of your financial health.In this episode, you’ll learn:✅ How to pull and understand your credit report to ensure all information is accurate and belongs to you.✅ Steps to take if you find unexpected charges or collections impacting your credit score.✅ Tips for proactively managing your credit to build confidence and security for your financial future....Let's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

167. How to Confidently Navigate Your First 401k Setup 05.03.2026 29p

Navigating your first 401 (k) can feel like uncharted territory, especially when you're the first in your family to secure a salaried position with benefits. As first-gen WOC, many of us have not been exposed to conversations about a 401 (k), employer matches, or retirement planning. It's a lot, but here's the good news: you don't have to do it alone. Join me as we break down the essentials of setting up your 401 (k), so you can confidently put your money to work and secure your future.In this episode, I’ll guide you through the basics of a 401 (k) and why it's a game-changer for your financial journey. Together, we'll explore the importance of employer matches and how they can instantly double your investment. No more hesitation—let's get your retirement savings on track today.As you listen, you’ll learn:✅ The difference between traditional and Roth 401 (k) and which might be right for you✅ How to set up your 401 (k) to take full advantage of employer matches✅ Simple steps to start investing with confidence and avoid costly delays...Let's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

166. Why You Should Become Financial Literate Before Getting Married 26.02.2026 20p

In this episode we explore why becoming financially literate pre-marriage is a game-changer for first gen WOC. You'll learn how understanding your own money habits can empower you and set a solid foundation for your relationship. Whether you're flying solo or deeply committed, this conversation is your invitation to embrace financial independence and bring your best self to the table.In this episode, you’ll learn:✅ The benefits of mastering money management before marriage ✅ How personal finance literacy empowers you in relationships✅ Strategies to merge finances while honoring your financial perspective...Let's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching