Yo Quiero Dinero

Episode

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  Yes, I Sold My Puerto Rico Condo — Here's What I'm Doing Next 20.07.2026 34mnt

  By now you've probably seen me post on social media that I sold my condo in Puerto Rico, and the reactions have been... a lot. So let's get into it. In this solo episode, I'm taking you behind the scenes of why I bought that condo right after my divorce, what it represented to me, and why — three and a half years later — I decided to let it go. This is not a "never sell real estate" episode. This is a "your life changes and so should your money moves" episode. We're talking numbers, we're talking mindset shifts around debt and leverage, and we're talking about what's next: a fixer-upper flip in Florida with my husband, and a bigger PR condo for our family. Grab a coffee (or a copa), this one's personal.WE DIVE INTO:02:20 – The origin story: buying the condo after my divorce06:59 – What the condo really represented — reclaiming my connection to the island09:17 – What changed: becoming a mom, remarrying, outgrowing the space11:39 – The HOA drama and why the condo stopped making sense13:56 – Let's talk numbers: what I paid vs. what I sold it for16:19 – The plan: flipping a fixer-upper in Florida with my husband18:45 – Reframing my relationship with debt21:04 – Why I'm financing the next PR condo instead of paying cash23:19 – The real lesson: alignment over accumulation25:42 – The emotional side of letting go28:00 – Where to find my PR real estate guide + money tools30:25 – Rich Mommy Retreat + how to stay connectedKEY TAKEAWAYS:→ Your financial decisions should evolve as your life does — what worked for single you might not work for married-with-a-baby you→ Selling an asset isn't automatically a bad money move — rich people reposition capital all the time→ Debt and leverage aren't the enemy. Used strategically, they let you preserve cash and acquire more assets→ Cash purchases give you flexibility and control (hello, fixer-upper flip); mortgages can be the smarter move when you want to preserve liquidity→ You don't owe anyone an explanation for your money moves — get around people who understand the visionRESOURCES:Jannese’s Instagram: https://www.instagram.com/yoquierodineropodcast/ Rich Mami Retreat: https://www.richmami.com/ FREE GUIDE: Buying Your First Property in PR: https://courses.yoquierodineropodcast.com/pr-real-estate TAKE THE NEXT STEP WITH YO QUIERO DINERO:📕 Get the book, Financially Lit!: https://financiallylitbook.com 💸 Download the FREE Dinero Guide: https://courses.yoquierodineropodcast.com/ 💬 Book a free Money Call: https://yoquierodineropodcast.com/links/ Hosted on Acast. See acast.com/privacy for more information.
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  Stuck in Autopilot? How to Build a Career With Intention with Diana Bernal 13.07.2026 45mnt

  This week Jannese sits down with executive coach, speaker, and author Diana Bernal to talk about something a lot of us never learned how to do: build a career on purpose instead of just falling into one.Diana is a first-gen success story who climbed the corporate ladder in nonprofit fundraising, hit "senior vice president" energy, and realized the corner office wasn't actually the goal. Now she coaches ambitious women through the exact roadmap she used to pivot, and she just released her book, Career with Intention. This conversation covers the signs you're autopiloting at work, why "loyalty" doesn't always pay off, how to give yourself permission to walk away from a degree (or a decade) without it being a waste, and how motherhood and marriage can completely reshape what ambition even means.WE GET INTO:01:32 Diana's first-gen story and career roadmap04:19 Redefining success beyond the corner office06:53 The false narrative of the corporate ladder09:36 Loyalty culture vs. career mobility09:45 What it means to build a career "with intention"13:15 Signs you're autopiloting at work15:12 Overcoming the sunk cost fallacy16:26 Key questions to ask before a career pivot18:36 Why high-achieving women struggle to own their value22:14 Cultural scripts Latinas face at work25:00 Testing the waters before quitting your 9-to-526:44 It's never too late to reinvent yourself30:22 How motherhood reshaped Diana's ambition31:26 A mindset shift that changed her life33:15 Breaking the breadwinner stereotype36:34 A journaling exercise for career clarity37:06 Advice to her younger self40:11 Where to find Diana and her bookKEY TAKEAWAYS:The clearest signs you're autopiloting at work — and why your boss already knowsHow to overcome the sunk cost fallacy around a degree or career you've outgrownDiana's 3-part framework for a career pivot: values, skills/interests, and placeWhy it's never too late to reinvent your career (Diana made her pivot in her 50s)Breaking the "man as breadwinner" script in marriageA simple journaling exercise to get career clarity fastCONNECT WITH DIANA:Get Diana's book, Career with Intention: https://bit.ly/4cp2EtuConnect with Diana on Instagram: https://www.instagram.com/diana.bernal.inc/Diana's website: https://www.dianainc.comTAKE THE NEXT STEPS:Join my Passive Profit workshop on July 28th: http://crowdcast.io/c/passiveprofitGet the book, Financially Lit!: https://financiallylitbook.comDownload the FREE Dinero Guide: https://courses.yoquierodineropodcast.com/Book a free Money Call: https://yoquierodineropodcast.com/links/This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  The Real Cost of Cosmetic Surgery: What You Should Know Before Going Under the Knife 06.07.2026 52mnt

  Let's talk about something a lot of us have been quietly researching — cosmetic procedures. Whether you've gone down a TikTok rabbit hole on facelifts or you're seriously considering something, the money side of this decision matters just as much as the medical side.In this episode, I'm joined by Dr. Ruslan Zhuravsky — board-certified facial plastic surgeon and founder of Z Face Plastic Surgery in Aventura, Florida — to break down the real economics of cosmetic surgery. We're talking about why bargain procedures can end up costing you way more in the long run, which procedures are actually worth the investment, and what to look for (and run from) when choosing a provider. This is the informed, empowered conversation you need before spending a single dollar on your face. Let's get into it.WE GET INTO:00:00 — Introduction: Why plastic surgery belongs on a personal finance podcast01:22 — Dr. Z's background: from art and architecture to facial surgery04:03 — Why he chose a boutique practice over high-volume centers05:23 — Building a practice from scratch: loans, word-of-mouth, and the grind08:07 — The economics of cosmetic procedures: price vs. value09:34 — The danger of over-filling: why "cheaper" treatments compound costs11:05 — Real patient story: years of med spa treatments vs. one surgical solution13:04 — How to evaluate if a quoted price is fair15:11 — Going abroad for surgery: real talk on risks and rewards17:31 — The three pillars of aging: laxity, volume loss, and skin changes20:48 — Where to invest first if you have a limited aesthetic budget22:44 — Botox 101: cost, longevity, and what can go wrong24:46 — Med spas vs. surgical practices: what's actually different26:52 — Skincare myths and social media trends to be skeptical about28:22 — Retinol: is it worth the hype?29:45 — Best long-term value procedures vs. worst investments36:27 — Facelifts and Ozempic face: what GLP-1 users need to know36:55 — The honest surgeon test: red flags to watch for in consultations39:05 — What a good consultation actually looks like41:13 — When the right answer is NOT to have surgery43:11 — How to verify credentials and board certifications46:18 — Dr. Z's money lesson: let your money work for youKEY TAKEAWAYS:– Cheap treatments aren't just less effective — they can make future surgery harder and more expensive– The three pillars of aging are laxity, volume loss, and skin changes — each requires a different solution– Board certification is the bare minimum, not the finish line — do your research beyond that– Rhinoplasty is often the best long-term investment because a quality one is one and done– Neck liposuction and buccal fat removal are frequently bad investments — most patients don't actually need them– Good consultations take time — if a doctor is rushing you out, that's your sign– About 30% of patients Dr. Z sees are told not to have surgery at all — an ethical surgeon will tell you the truth– Skincare basics (sunscreen, moisturizer, microneedling) are the highest ROI foundation before any procedure– Always get multiple consultations — even Dr. Z encourages his own patients to shop aroundCONNECT WITH DR. ZInstagramWebsiteTAKE THE NEXT STEP:Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with JanneseThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  From Corporate Finance to 6-Figure Creator: Meghan Lim's Blueprint for Multiple Income Streams 29.06.2026 49mnt

  Today's episode is basically my love language: multiple income streams. I'm joined by Meghan Lim, AKA Meghan Makes Money, who went from a $78K corporate finance job to building a six-figure creator business with 160K+ followers, all in about two and a half years. We're talking side hustles, affiliate marketing, brand deals, pricing your worth, and why "selling" isn't a dirty word.WE GET INTO: 00:00 Intro: Meghan's journey from corporate finance to content creator00:49 Meghan's origin story: childhood side hustles and the layoff that changed everything03:48 Money messages from a Filipina immigrant household05:38 Switching her major to finance (and why it didn't teach her personal finance)07:30 Stepping into the creator economy as a Gen Z creator11:47 The viral paycheck breakdown video that changed everything13:07 Side hustles worth your time (and which ones are a scam)17:05 How Meghan actually makes money now: affiliates, brand deals, coaching18:45 The disconnect between followers and revenue21:45 What to have in place before pitching brands25:49 Favorite underrated monetization method: affiliate marketing29:33 How content creation has changed Meghan's life (six figures, comped trips, free LASIK)32:35 The Cartier ring story: rewarding yourself and abundance mindset36:48 Navigating the pressure to choose stability over risk38:18 Redefining success after leaving corporate39:55 Biggest financial mistake (and the lesson behind it)42:14 The #1 skill every creator needs to learn42:46 What's next for Meghan Makes Money44:20 Final advice: you don't need permission to make moneyKEY TAKEAWAYS: Multiple income streams beat relying on one (especially brand deals, which can be inconsistent)You don't need to be "the expert" or already have results to start sharing your journeyDocumenting > performing — people want to follow along, not just see the finished productReframe selling as serving: your product or service genuinely helps someoneIt takes 14-17 touchpoints before someone takes action, so don't be afraid to repeat yourselfAffiliate marketing in the finance niche is one of the most underrated income streamsReward yourself for milestones — it's not just about ROI, it's about breaking scarcity mindsetSurround yourself with people doing what you want to do; proximity changes your mindsetCONNECT WITH MEGHAN:Meghan's Instagram: @meghanmakesmoneyMeghan's Website: https://www.skool.com/money-makers-circle-8363TAKE THE NEXT STEP:Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with JanneseThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  I'm So Sick of What Latino Parents Are Doing With Money (And We Need to Talk About It) 22.06.2026 31mnt

  The Guardian recently featured my plan for how I'm raising my toddler to become a millionaire and it got me fired up about something I've been sitting on for a while. Today I'm calling out the financial patterns that Latino parents normalize that are actually keeping our community from building real wealth. I'm not talking about our elders who came here with nothing and survived on grit. I'm talking to us — the millennial parents with smartphones, podcasts, and investing apps at our fingertips — who still aren't doing enough differently. We'll talk about why spending $20K on a quince but skipping the 529 is a problem, why your child is NOT your retirement plan, and the five mindset shifts that need to happen so we can stop breaking generational cycles and start building generational wealth.This is a tough love episode, mi gente, but I think you're ready for it.WE GET INTO:00:24 The Guardian feature + Jannese's toddler wealth plan02:53 Who this episode IS (and isn't) for04:18 Problem #1: Spending on appearances, skipping financial foundations06:03 Problem #2: Treating your children like a retirement plan08:01 Problem #3: Preaching education without a financial plan for it10:30 College vs. retirement — why you must always choose retirement14:07 Problem #4: Shaming kids for wanting more16:12 Problem #5: Dismissing financial tools as "too much" for kids18:30 When it's not that there's no money — it's that there's no mission19:20 Action steps for Latino parents (talk about money earlier, stop saying you don't know)20:32 Action step: Open the accounts — 529, brokerage, Roth IRA20:44 Action step: Redirect family gifts to the college fund21:50 Action step: Plan for your own retirement + money tools resource23:45 The $4 trillion spending power problem — and what we need to build instead24:49 The vision: celebrate AND invest26:44 Closing + how to get The Guardian article27:23 Outro — Stay PoderosaKEY TAKEAWAYS:Spending on appearances while skipping financial foundations isn't tradition — it's a decisionYour child is not your 401k, your emergency fund, or your exit strategyPreaching education without a financial plan for it is setting your kids up to drown in student loan debtIf you have to choose between saving for college or retirement, choose retirement — every single timeWanting more does not make you ungrateful. Sometimes it's how you honor where you came fromSilence is the most expensive thing you can give your children when it comes to moneyThe most generous gift you can give your child is a financially free parentRead: A finance podcaster plans to make her daughter a millionaire by 18 – here’s how TAKE THE NEXT STEP:Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with JanneseThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  Why Most People Will Never Build Wealth on a $65K Salary And What High Earners Understand About Money 15.06.2026 23mnt

  Earlier this year, I posted a question on Instagram asking Latinas making over $200K what they do — and the answers revealed something that most people in personal finance aren't willing to say out loud: you cannot build wealth on a median income when the cost of just existing has gone through the roof. In this solo episode, I'm breaking down why traditional money advice keeps failing us, what high earners actually have in common, and why your problem isn't discipline — it's your strategy.WE GET INTO:00:00 Introduction to Financial Realities02:42 Understanding Income Limitations05:58 The Path to High Earnings08:47 The Disconnect in Personal Finance11:53 The Rise of Latina Entrepreneurs14:48 Reevaluating Job Security and Income17:55 Strategies for Financial FreedomKEY TAKEAWAYS:Most people cannot build financial freedom on $65K/year — not because they're doing something wrong, but because the math literally doesn't work when cost of living is this high.High earners are either in high-level leadership or ownership. That's it.Jobs are tools, not automatic wealth-building vehicles. Your employer controls your ceiling.A paycheck is predictable. Entrepreneurship is scalable.The only difference between a job and a business is the middleman selling your skill set.Your income problem won't be solved by better budgeting — it requires a strategy shift.TAKE THE NEXT STEP:Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with JanneseThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  From Compton to PhD: Breaking Generational Cycles with Dr. Xochilt Alamillo 08.06.2026 58mnt

  What does it actually look like to not become a statistic? Dr. Xochilt Alamillo — Chicana therapist, PhD, business coach, podcast host, and retreat creator — is the living proof. She grew up in Compton, moved to Colorado as a teenager and experienced full-on culture shock, fell into the wrong crowd, and ended up with a criminal record by 20. Fast forward through community college, side hustles, three kids, and a whole lot of tunnel vision: she became the Latina therapist she couldn't find when she needed one most. In this episode, Dr. Xochilt and Jannese get into ALL of it — bicultural stress, emotional neglect in Latino families, what healing actually looks like (spoiler: it's not the cute Instagram version), survivor guilt as a first-gen cycle breaker, and how she built multiple income streams as a therapist while everyone in her field was taking a so-called vow of poverty.WE GET INTO: 00:00 – Welcome and Intro: Meet Dr. Xochilt Alamillo02:02 – Growing Up in Compton: Not Knowing What You Don't Know04:22 – Culture Shock, the Wrong Crowd, and a Criminal Record08:25 – Becoming the Latina Therapist She Couldn't Find10:24 – First-Gen Resilience and Why It Can Also Hurt You11:00 – The Biggest Mental Health Struggles Latinas Carry in Silence12:31 – When "Being Strong" Becomes Self-Abandonment14:05 – Bicultural Stress: Not Latino Enough, Not American Enough19:52 – Emotional Neglect: The Harm We Normalize in Latino Families24:53 – What Healing Actually Looks Like (It's a Process, Not a Glow-Up)29:04 – Survivor Guilt and the Weight of Being the Enlightened One34:37 – Navigating Family Expectations vs. Your Ideal Life36:45 – Why Finding Your People Is Non-Negotiable37:45 – Debunking Therapy Stigma in the Latino Community43:32 – Dr. Xochilt's Entrepreneurial Journey as a Therapist47:46 – Hosting Latina-Only Healing Retreats (Including One in Oaxaca!)51:22 – The First Step Out of Survival ModeKEY TAKEWAYS:Being rejected by both your culture and mainstream America has serious mental health consequences, and you didn't make it up.Anxiety in Latinas isn't just personal worry. It's your whole family's future sitting on your chest, and the weight is not yours alone to carry.Emotional neglect is one of the most normalized (and damaging) patterns in Latino households. Naming it isn't talking trash on your cultura but the first step to changing it.Healing is not a cute Instagram journey. It hurts. But the goal isn't a pain-free life, it's being equipped to handle whatever comes your way.Survivor guilt is real when you're the first to "make it out." Surrounding yourself with people who get it is how you stay grounded.Therapy doesn't have to look like a couch and a notepad. It's a conversation with someone who has no skin in the game.When therapy isn't accessible, lean into what your cultura already does well: cafecito with amigas, curanderismo, time outside — do more of it with intention.Therapists: you do not have to take a vow of poverty. Retreats, groups, trainings, and coaching are all legitimate income streams.Finding your people — online or off — is one of the most radical acts of self-preservation a first-gen woman can make.CONNECT WITH DR. XOCHILTWebsiteInstagram Podcast: The Chicana Therapist Podcast (all major platforms)TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  The Child-Free Money Playbook: Estate Planning, Legacy, and Financial Freedom 01.06.2026 50mnt

  What does your financial plan look like when the traditional script doesn't apply to you? In this episode, I'm sitting down with Bri Conn, CERTIFIED FINANCIAL PLANNER® and co-host of the Child-Free Life by Design podcast, to break down everything child-free people need to know about building wealth, planning for the future, and defining legacy on their own terms. If you've ever been asked "but who's going to take care of you when you're old?" — this episode is for you.WE GET INTO:0:00 – Welcome + Jannese's personal journey with child-free financial planning0:57 – Introducing Bri Conn: CFP® serving the child-free community1:11 – How Bri accidentally fell into child-free financial planning4:04 – Who is actually seeking child-free financial planning (hint: it's not who you think)5:14 – What traditional financial advice gets wrong for child-free people7:09 – Redefining legacy when children aren't part of the equation9:06 – Navigating cultural expectations around family obligation and caregiving11:30 – Estate planning without default heirs — and why Child-Free Trust exists13:56 – Busting the myth: do child-free people automatically have more money?17:02 – Long-term care planning: who's actually going to take care of you?20:42 – Life insurance: do child-free folks even need it?22:29 – Building your "bench" of decision-makers (healthcare proxy + POA)24:34 – How to find a financial planner who actually gets it26:18 – What happens if you die or become incapacitated without an estate plan29:05 – FIRE vs. FILE: Financial Independence Live Early34:41 – Myth-busting: the worst financial advice child-free people always get36:44 – The one traditional money milestone you have permission to skip40:41 – What wealth actually means when you're child-free43:01 – Permission to want freedom and happiness — fully and unapologeticallyKEY TAKEAWAYS: The single most important question child-free people need to answer: Do you care how much money you leave behind when you die? Your entire financial plan changes based on your answer.Legacy doesn't require children. It can look like a garden that inspires strangers, a community you've poured into, or friendships you've built with intention.You are NOT the default family ATM just because you don't have kids.Long-term care currently costs ~$129,000/year and is rising 5% annually. Women average 3.7 years of care. This is not a plan-later situation.If you don't have estate documents in place, the state decides who makes decisions for you — and that could be someone you're estranged from or have never met.FIRE = grind now, quit later. FILE (Financial Independence Live Early) = redesign work now so you can enjoy life soonerHomeownership is not a mandatory financial milestone, Renting can absolutely be a wealth-building strategyBuild your "bench" early: medical professionals, estate planning decision-makers, and financial advisors who actually understand child-free planning.If your financial planner looks at you like you have three heads when you say you're not having kids — find a new one.CONNECT WITH BRI:InstagramWebsiteTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  How Chef Mia Castro Built a Career from Her Borinquen Culture 25.05.2026 57mnt

  She beat Bobby Flay with her Abuela's Arroz con Pollo. She trained under Wolfgang Puck, Thomas Keller, and José Andrés. She was a Hell's Kitchen finalist. And then she walked away from all of it to build a career entirely on her own terms.Chef Mia Castro is a Puerto Rican chef, cookbook author, food influencer, and TV personality, and her debut cookbook, Cocina Puerto Rico: Recipes from My Abuela's Kitchen to Yours, is already making waves. We're sitting down to talk about her full journey: from her Abuela's kitchen in San Juan to elite restaurant kitchens across Vegas, Miami, and New York, to the 6-year road it took to get this book published.We're talking about first-gen pressure, being the only woman in the room, hiding your identity to fit in, COVID FaceTime calls that accidentally created a cookbook, building a personal brand as a chef, what success actually looks like when you stop chasing the dream someone else gave you — and the dish that beat Bobby Flay.This one hit close to home for me. You know I started my whole digital career as a Puerto Rican food blogger. Having Chef Mia in this conversation was a full circle moment.WE GET INTO:00:01 — Intro + Chef Mia Castro00:50 — What makes Puerto Rican cuisine one of a kind01:57 — The responsibility of writing Cocina Puerto Rico03:32 — What Abuela taught her that had nothing to do with food04:26 — Growing up in la cocina (homework could wait)07:21 — First-gen pressure and choosing passion over the "safe" path08:06 — Starting as a prep cook: the real culinary hustle10:27 — Being the only woman in elite kitchens13:07 — Feeling pressure to hide her Boricua identity in professional spaces14:51 — Reclaiming Puerto Rican food — all the way to fine dining16:25 — Leaving restaurants and carving her own lane18:46 — How COVID + FaceTime with Abuela created Cocina Puerto Rico22:16 — Beating Bobby Flay with Abuela's Arroz con Pollo26:30 — Modernizing recipes for the diaspora without losing the soul29:02 — The 6-year battle to get a Puerto Rican cookbook published32:39 — The recipe that made her emotional: las cremitas34:42 — Shooting the entire book at Abuela's house in PR36:27 — Personal branding advice: treat it like a portfolio37:54 — There is no luck. There is only preparation.40:16 — Behind the scenes of Hell's Kitchen + Chopped43:27 — Success redefined: from Michelin star dreams to time freedom47:49 — The legacy she hopes Cocina Puerto Rico leaves49:06 — The first dish to make from the book (and why it beat Bobby Flay)52:37 — Where to find Chef Mia53:00 — OutroKEY TAKEAWAYSStaying humble and open to learning, at any age, is what keeps you from going stale. Abuela is still asking Mia how to cook things at 90. That's the growth mindset right there.You don't have to hide where you come from to belong in elite spaces. Mia spent years feeling like she had to stifle the Puerto Rican to fit in — and her biggest wins came when she stopped doing that.There is no such thing as luck. There is opportunity combined with preparation. Build the portfolio, show up consistently, and be ready when the call comes.Pivoting is not failing. Walking away from restaurants was not giving up. It was choosing to build a version of success that actually fit her life.Time is the real flex. Making money is cool. Having the freedom to spend it the way you want? That's the whole point.Getting a book published as a Latina author is NOT a straightforward process. It took Mia 6 years, a writing coach, months to find an agent, and two more years from contract to shelf. Know the process before you romanticize it.Consistency is the brand strategy. Not viral moments. Not follower counts. Showing up so that when the opportunity finds you, you're already prepared.CONNECT WITH MIA:Instagram Website Buy Cocina Puerto RicoTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  She Quit Corporate, Moved Her Family to Spain & Bought a House in Cash for Under $70K 18.05.2026 52mnt

  If you've ever fantasized about packing up your life, leaving the US, and actually doing the damn thing — this episode is your sign. I'm sitting down with Alicia Sanchez, founder of Felicita & Faustina studio shop, marketing expert with 20+ years in the game (American Express, ESPN, Klaviyo — the girl's got credentials), and now a full-time entrepreneur living her best life in Southern Spain with her wife and six-year-old daughter. She bought a house. In cash. For under $70K. And she wants you to know it's more doable than you think.We get into the real — not the Instagram-filtered version. The financial planning, the digital nomad visa process, what attorneys actually cost (hint: not $10K), the tax reality, and why the thing that changed her life the most wasn't the house or the visa. It was watching her daughter have a childhood. This one's going to make you ask yourself: what's really keeping you?WE GET INTO: 00:38 — Intro: Alicia's back + why this episode exists03:07 — Who was Alicia before all of this?05:23 — What her Dominican grandmothers taught her about money09:03 — Why she said "hell no" to corporate10:35 — Build your business before you quit11:13 — Why corporate stability is a lie15:05 — Why Spain (she lived there before)17:11 — The decision: February 202518:23 — The timeline: pods, visa, house20:41 — Financial planning behind the move22:06 — Buying a house in cash under $70K24:50 — Digital nomad visa explained27:07 — Biggest misconceptions about Spain30:08 — What attorneys actually cost (not $10K)33:07 — Bringing family on your visa34:25 — Documentation you need to qualify36:22 — The tax reality40:50 — How their daughter's life transformed42:33 — What's really keeping you?KEY TAKEAWAYS:Don't wait to quit before you start building — start now, quietly, while you're still employedCorporate "stability" is a mask. You can be laid off tomorrow. Build income outside your W-2The digital nomad visa: apply in Spain (not the US) and get 3 years instead of 1You do NOT need to spend $10K to get your visa. The government fee is set. Be an educated consumerAs a Latino/a, after 2 years on the digital nomad visa, you can switch to permanent residency through your lineageFor the digital nomad visa, max 20% of your income can come from Spain — the rest must come from outside the countryClean, consistent bookkeeping and invoices are your best friend when applyingA 5-bedroom home in Southern Spain — bought in cash, under $70K. Eliminating a mortgage changes everythingSpain does a quarterly tax system. Know this before you goThe lifestyle shift is real. No active shooter drills. No metal detectors. Their daughter just went on a museum field tripYou are one decision away from a completely different lifeEPISODE RESOURCES:Episode 269: How To Be A Money Making Mama | Alicia Sanchez Unlock your Puerto Rican Citizenship Relocation & Immigration specialists in Andalucía – tell them YQD sent you!CONNECT WITH ALICIA:InstagramYouTube  TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  Credit 101: How to Build Credit, Pay Down Debt, and Protect Your Score with Carol Pope 11.05.2026 51mnt

  If the word "credit" makes you want to hide under the covers, this episode is for you, mi gente. I'm sitting down with Carol Pope — personal finance writer and author of Credit 101 — to break down everything you need to know about building credit from scratch, paying down debt, and protecting your score. No shame, no judgment, just an honest conversation. Carol and I have almost identical money origin stories. Neither of us learned a damn thing about credit growing up. Now we're both on a mission to make sure you don't have to learn the hard way like we did.WE GET INTO:00:02 — Intro + Jannese's credit origin story01:58 — What Carol's book Credit 101 covers02:17 — Carol's money story growing up03:22 — The moment Carol realized she had to figure this out ASAP05:04 — Cost of living + why this conversation is so timely06:41 — What is a credit score and why does it matter?07:59 — How your credit affects your job, apartment, utilities, and more09:44 — The 5 factors of your credit score, broken down12:29 — The myth: does carrying a balance help your credit? (Spoiler: no)13:30 — Building credit from zero: secured credit cards explained15:19 — Authorized users: pros, cons, and warnings17:01 — How long does it realistically take to build good credit?18:09 — Using credit cards as a lifeline vs. as a tool22:07 — Buy Now Pay Later: what you actually need to know24:33 — Already in credit card debt? Here's where to start27:59 — Snowball vs. Avalanche: which debt payoff method wins?29:05 — Balance transfers: when they work and when they don't30:10 — The biggest auto loan financing mistakes people make33:12 — Buy here, pay here car lots — what you need to know35:22 — The 14-day rate shopping window that protects your credit36:22 — Credit fraud: the most common scams to watch for39:51 — Should you freeze your credit? (Yes. 24/7.)41:45 — You can also freeze your Social Security number — here's how44:49 — Debt as leverage, not shame47:08 — Where to find Carol and grab the bookKEY TAKEAWAYS: What your credit score actually is — and why it controls more of your life than you thinkThe 5 factors that make up your score (and which one matters most)How to build credit from scratch the right wayThe big myth about carrying a credit card balance — please stop doing thisBuy Now Pay Later: what nobody's telling you about how it worksWhere to start when you're already drowning in credit card debtThe debt payoff method Carol personally usesHow to shop for auto loans without tanking your scoreWhy Carol says you should have your credit frozen 24/7A credit protection move most people don't know about: you can freeze your Social Security numberCONNECT WITH CAROL:LinkedInCarol’s Book: Credit 101TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  The Cost of Being the Good Girl 04.05.2026 13mnt

  You know the good girl. She follows the rules, makes everybody proud, does everything she's supposed to do. She is me, and I have a feeling she might be you too. This episode was inspired by a recent keynote I gave in California, and I'm bringing it to the podcast because we don't talk about this enough: what it actually costs you to keep playing by everyone else's rules. We're going deep on the cultural conditioning that keeps women — especially Latinas — playing small, the moment I got laid off at 27 and felt relief instead of grief, and the solo trip to Puerto Rico that completely rearranged my life.If you've ever felt the tension between who you are and who you've been expected to be, this one is for you.WE GET INTO:The question you need to sit with: has your ambition ever felt like too much?Growing up in a Latino household where stability was the whole planGetting laid off at 27 — and why it felt like freedom, not failureWhy entrepreneurship doesn't fit our cultural script (and why that's okay)The conditioning that keeps women dimming their lightThe lie we keep getting fed: that wanting more is selfishMy solo trip to Puerto Rico and the question that changed everythingChoosing alignment over approval — and what that actually looks likeWhy being the first also means being the blueprintKEY TAKEAWAYS:Security is an illusion. Jobs are not guaranteed — so if nothing's guaranteed anyway, why are you playing small?Your visibility is not arrogance. It is leadership. Full stop.When women make money, everything changes. Ambition isn't selfish — it's the most generous thing you can do.The people questioning you aren't villains. They're just scared. Their definition of success was built around survival.Stop asking "what should I do?" Start asking "what would my life look like if I actually trusted myself?"If you're the first, you're also the blueprint.TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  Getting You Ready for Power with Alexis Meruelo 27.04.2026 38mnt

  What does it actually take to step into your power? In this episode, I'm sitting down with Alexis Meruelo — second-generation Cuban-American business leader, founder of the Business of Her conference, and author of the brand new book Getting You Ready for Power — to talk about the real, messy, beautiful process of finding your purpose and owning it unapologetically. We're getting into her family's entrepreneurial roots, why she spent six months with a career coach just to answer one question, the concept of "business karma," and why more women need to stop self-rejecting before they even ask. This one is packed, mi gente. Let's get into it.WE GET INTO:00:00 — Introduction00:26 — Alexis's background and family entrepreneurial roots02:01 — La Pizza Loca, Sahara Las Vegas, and the Cuban immigrant hustle04:02 — Pain, rejection, and hitting a wall in her 20s05:00 — Hiring her first career coach and betting on herself07:25 — Redefining success without the ring or the kids10:03 — How to deal with your Latino family's opinions12:03 — Living in alignment and the new generation of young women13:41 — The mentorship gap and why we self-reject before we even ask19:21 — Business karma explained22:25 — Her role at the Meruelo Group and CSR work24:32 — Career reinvention: nothing is ever wasted27:37 — Launching the Business of Her conference32:05 — Getting You Ready for Power — the book and the three-phase framework34:52 — Final message: you are ready, do it scaredKEY TAKEAWAYS:The best investment you'll ever make is in yourself. Alexis hired her first career coach at her lowest point and it changed everything.Define success on your own terms. The ring, the kids, the "right" career path — none of it matters if it's not your vision.Your Latino family will have opinions. Let them talk, then go do your thing anyway.We reject ourselves before anyone else gets the chance. Don't say no for a potential mentor — let them say it. Most women never ask, and that's why most women never have one.Business karma is real. Lift other women, support other businesses, and it always comes back. The crabs-in-a-barrel mentality only keeps you small.Nothing is ever wasted. Every year in the wrong job still made you better. You can pivot at any age, any stage.Life goes in phases. Your purpose doesn't have to be your paycheck right now — and "not yet" is not the same as never.Believe in yourself. Build your team. Rise to lead. That's the three-phase framework — and it starts with doing the inner work first.You are already ready. Do it scared, and do it in baby steps.CONNECT WITH ALEXIS:Alexis' Website Business of Her Website Alexis on Instagram Business of Her on Instagram TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  How Delilah Dee Built a Six-Figure Side Hustle Throwing Parties 20.04.2026 1j

  She built a women-only party empire that makes six figures as a side hustle, got herself onto the team that created the Bad Bunny Super Bowl halftime show field team through sheer hustle and genuine relationships, and did it all while juggling a corporate job and navigating a health diagnosis doctors ignored for years. Delilah Dee is back on Yo Quiero Dinero this week and she brought EVERYTHING. We're talking real revenue numbers for her event planning business, the Bad Bunny behind-the-scenes tea, fibroids and fighting for your health as a Black or brown woman, and the financial literacy lesson she wishes someone had taught her earlier.WE GET INTO:00:29 – What is Jefatona? The elevator pitch03:02 – Growing up with a hustle mentality (shoutout to mom)05:27 – How she got hired at iHeart with no corporate background08:00 – Getting furloughed during COVID and pivoting to virtual events11:11 – Launching Jefatona & selling out a club in 24 hours11:32 – Revenue breakdown: how parties actually pay16:09 – Multiple income streams + negotiating Fridays off17:15 – The real numbers: $60K year one, six figures by year two24:12 – Walking away from the startup that didn't align29:54 – How she got onto the Bad Bunny Super Bowl field team37:32 – Behind the scenes of halftime show production43:00 – The dress rehearsal that made her cry48:07 – The fibroid diagnosis and advocating for your health54:43 – What she wishes she knew: financial literacy56:10 – Where to find Delilah + JefatonaKEY TAKEAWAYS: You don't need the perfect resume to get into the room,  you need to know your value and be able to speak to it with confidence. \Referrals are the most underrated growth strategy in business. Do great work, treat people right, and let the recommendations do the marketing for you.You can make real money in the events business — but you need to understand how the money actually flows.Walking away from money that doesn't align with your values is one of the hardest and most necessary things you'll do as an entrepreneur. Getting onto the Bad Bunny Super Bowl halftime show field team wasn't luck but years of genuine relationship-building paying off at exactly the right moment.Financial literacy isn't just for people who already have money, it's especially critical when the money starts flowing in. If you're building something real, get financially literate before the money arrives, not after.Black and brown women are disproportionately affected by fibroids and disproportionately dismissed when they report symptoms. If something feels off in your body, advocate for yourself. CONNECT WITH DELILAH:Jefatona Instagram TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  Getting Good With Money (For Real This Time) ft. Tiffany "The Budgetnista" Aliche 13.04.2026 58mnt

  She's back and she brought receipts!Tiffany "The Budgetnista" Aliche is one of the most iconic voices in personal finance, and if you missed her first episode on YQD, it became the highest-watched episode in the show's history. Dead ass. So yeah, we had to bring her back. This time, Tiffany is opening up about EVERYTHING — from the $35,000 scam that left her broke and sleeping on her sister's couch, to building an eight-figure net worth, to why she's still learning how to stop giving her money away to people who didn't even ask for it. She also drops the full framework from her bestselling book Get Good With Money, now available in paperback, and why that book hits differently after everything she's been through personally. If you've ever felt like financial wellness was something that happened to other people, this episode is going to shift that for you.WE GET INTO: 00:00 – Welcome Back, Budgetnista: Why This Episode Is Already a Classic03:06 – From Stuffed Animals to Preschoolers to Millions: Little Tiffany's Origin Story06:52 – Tiffany's Financial Fiasco: The $35K Scam (Meet Jake the Thief)12:25 – Why Shame Has Zero Business Being in Personal Finance13:20 – The Budgetnista Law: Making Financial Education Mandatory in NJ Schools15:14 – The "Just Cut Back" Myth: What Getting Good With Money Actually Looks Like17:09 – Your Budget Is a "Say Yes Plan" — And You Cannot Budget Your Way to Wealth21:22 – Charging Your Worth: Why Women Leave Millions on the Table24:35 – Wealth Guilt & Giving: When Generosity Becomes Self-Sabotage33:08 – The 10 Pillars of Financial Wholeness: From Managing Money to Building Legacy36:16 – Estate Planning Isn't Morbid — It's Love: What Tiffany Learned After Losing Her Husband43:04 – Prenups, Partnerships & Building Wealth With the Right Person49:06 – Dating After Loss: Why Financial Compatibility Is Non-Negotiable52:38 – Get Good With Money Paperback: Why It Hits Even Harder NowKEY TAKEAWAYS:Your budget isn't a restriction — it's your "say yes plan." It's there to keep you financially safe so you can say yes to the things that matter.You cannot budget your way to wealth. Learning to earn is the single most transformative financial move you can make.Debt freedom is a goal you can pick up along the way. It is NOT the finish line. Wealth is.The 10 pillars of financial wholeness: budgeting, savings, debt, credit, learning to earn (the foundational five) → investing, insurance, financial team, net worth, and estate planning (the growth and protection five).Wealth guilt is real — and giving money away before you've even asked if someone needs it is about you, not them.The right financial partner doesn't have to match your income. They have to know how to provide for someone who doesn't need it in the traditional sense.Estate planning is the ultimate act of love. Don't wait until it's too late.RESOURCES:Website Made Whole  Get Good with Money CONNECT WITH TIFFANY:InstagramFacebook YouTube TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  Is Gold the Secret Investment Your Portfolio's Been Missing? With Brandon Thor 06.04.2026 40mnt

  You've probably seen the late-night gold commercials and immediately changed the channel. Same. But here's the thing — what if that reaction is exactly what the banks, financial advisors, and the government want from you?In this episode, I'm sitting down with Brandon Thor, CEO and founder of Thor Metals Group, to break down why precious metals investing isn't just for doomsday preppers — and why less than half of 1% of people invest in gold despite it being mentioned in the Bible 431 times. The gatekeeping is real, mi gente, and we're pulling back the curtain.We get into what a self-directed IRA actually is, how physical gold is different from buying GLD in your Fidelity account, and why central banks all over the world are hoarding this stuff while the rest of us sleep on it. Whether you have $20K sitting in a savings account doing nothing or you're just curious about diversifying beyond stocks and bonds, this episode is going to break your brain — in the best way.WE GET INTO:01:46 — What is a precious metals IRA (in plain English)? 02:41 — Self-directed IRA vs. traditional & Roth IRAs04:05 — Paper gold (GLD) vs. physical gold: the counterparty risk nobody talks about05:09 — Who should actually be investing in precious metals?07:25 — Why gold has a bad reputation (hint: it's intentional)09:19 — How long does the setup process take?10:26 — Where does the gold actually go?11:58 — Pros, cons, and the right time horizon for precious metals13:17 — How to think about returns (spoiler: it's not like dividend stocks)14:45 — Why gold prices dipped during economic instability16:04 — Red flags: how to choose a legit precious metals company17:39 — Yes, Costco sells gold. Is it worth it?19:46 — Dollar cost averaging vs. lump sum in precious metals21:22 — Why so few people invest despite gold's 5,000-year track record24:54 — First steps for the curious but hesitant investor25:45 — The 10-year outlook for gold and silver28:12 — Gold: the secret investment hiding in plain sight32:00 — What financial freedom means to Brandon 34:18 — Where to connect with Thor Metals GroupKEY TAKEAWAYS: A "gold IRA" is really a self-directed IRA — a specific account type that lets you own alternative assets like physical gold, silver, and real estate instead of just stocks and bonds.Physical gold eliminates counterparty risk. When you own GLD or another paper version, you're trusting a bank. If that bank fails? You're holding worthless paper. Physical gold is yours, full stop.The reason most people don't know about precious metals investing isn't an accident. Banks, financial advisors, and the government all benefit from you not having your money in gold. Follow the money.You don't need a ton to get started, but Brandon's sweet spot recommendation is $20,000 — enough to build a diversified metals portfolio and actually feel the market move.The ideal time horizon for precious metals is 3–5 years. This isn't money you'll need liquid in two months — it's money that can sit, grow, and do its thing.Red flags to avoid: anything obscure, anything priced way above spot price, and anything you can't find on a thousand dealer websites. Stick to American Eagles, Maple Leafs, bars, and rounds.Self-directed IRA fees are flat and low — roughly $225/year regardless of account size. Compare that to the AUM fees you're likely paying right now.Central banks worldwide are buying and hoarding gold at record levels. When the biggest institutions are buying something retail investors are ignoring, that's worth paying attention to.RESOURCES:Thor Metals GroupCONNECT WITH BRANDON:LinkedInInstagramTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  You're More Ready to Buy a Home Than You Think with Josie White of Chase Home Lending 30.03.2026 33mnt

  ¡Hola mi gente! If buying a home has felt like a dream that wasn't built for people like you — this episode is going to change that.Today I'm sitting down with Josie White, Home Lending Advisor at Chase Home Lending, who has spent 15 years helping people navigate the mortgage process and 30 years in banking. She's bilingual, she's been in the trenches with buyers at every income level, and she is here to tell you the truth about what it actually takes to buy a home in 2026.We're busting the biggest myths: the 20% down payment (nope, not required), the "perfect credit score" (also not required), and the idea that being self-employed or having limited savings means it's not possible for you (also not true — with some asterisks).WE GET INTO: 00:00 - Intro: Homeownership for First-Gen Latinos (Sponsored by Chase Home Lending)01:44 - Josie's Role at Chase and 15 Years in Home Lending02:47 - How Today's Buyers Are Different From Your Parents' Generation04:12 - Jannese's Real Estate Journey: From One Property to Two (and Counting)05:19 - The Biggest Mistake Buyers Make: Don't Assume Before You Ask06:38 - What You Actually Need to Know About Qualifying for a Mortgage07:59 - What If I Don't Have 20% Down? Your Real Options09:04 - Pre-Qualification vs. Pre-Approval: What's the Difference?11:16 - Buy Based on Your Current Finances, Not What You Hope For12:16 - How Chase Helps Buyers Who Feel Intimidated By the Process14:29 - DreaMaker Mortgage and Low-to-Moderate Income Lending Programs15:51 - The Free Credit Journey Tool and the Perfect Credit Score Myth17:10 - A Cautionary Tale for Self-Employed Buyers19:13 - Fixed Rate vs. Adjustable Rate Mortgages Explained21:05 - FHA vs. VA vs. Conventional Loans: What's the Difference?23:13 - How Jannese's Dad Bought His Home With a VA Loan24:01 - Multi-Generational and Co-Buying Arrangements25:19 - How to Strengthen Your Financial Profile Before You Buy26:44 - Mindset for Navigating Today's Housing Market28:42 - How to Take the First Step With Chase Home Lending29:59 - Outro and Final ThoughtsKEY TAKEAWAYS:The real difference between pre-qualification and pre-approval (and why it matters)Chase's DreamMaker Mortgage and homebuyer grants of up to $5,000 that don't have to be repaidHow your credit score actually affects your interest rate — and Chase's free Credit Journey tool to help you improve itDocumentation you need to have ready (especially if you're self-employed)Fixed rate vs. adjustable rate mortgages — and which one is right for your situationFHA, VA, and conventional loans broken down simplyMulti-generational and co-buying arrangements that more families are using to get into the marketEPISODE RESOURCES:Connect with Josie and explore home buying options TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero is sponsored by Chase Home Lending and produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  Why Latinas Need to Stop Climbing the Corporate Ladder and Build Their Own with Stephanie Pimentel 23.03.2026 39mnt

  She was literally born the day her mother landed in the US — and that energy of showing up and figuring it out has followed Steph Michelle Pimentel her entire life.In this episode, I'm sitting down with Stephanie Pimentel, a Dominican American executive and the founder of Lumena Global, whose work sits at the intersection of cross-border leadership, people strategy, and cultural intelligence. She spent 17 years in corporate — starting as an HR coordinator at $11.75 an hour and climbing all the way to the executive level — only to discover that being invited into the room is not the same thing as having real power in it. We are talking about the "fake seat at the table," what it actually means to be an asset that companies exploit without compensating, why US businesses keep fumbling Latino and Latam markets, and why with AI handing you every tool you need, there has never been a better time to say f*ck corporate and build your own table. Stephanie is also giving YQD listeners a free 15-minute strategy call — no charge, no catch. You need to take her up on it.WE GET INTO:0:00 - Intro: Born the Day Her Mother Landed in the US1:06 - Growing Up Dominican & the "Work, Work, Work" Mentality2:31 - 17 Years in Corporate Starting at $11.75/Hour4:19 - The Fake Seat at the Table Explained9:00 - Battling Imposter Syndrome When You're Losing Your Job10:41 - Why AI Makes Right Now the Best Time to Ditch Corporate11:44 - The $4.1 Trillion Latino Market (We Are Not a Niche)15:02 - How US Companies Fumble Latin American Expansion24:31 - Stephanie's Entrepreneurial Journey: Failures, LLCs & Rock Bottom34:57 - Free Strategy Call + How to Work With StephanieKEY TAKEAWAYS:Being invited into the room is not the same as having real power in itCultural intelligence isn't a soft skill — it's risk managementThe US Latino GDP is $4.1 trillion. We are not a niche. We are the market.US companies lose money in Latam because they treat it as cheap labor instead of a talent engineYou don't need to wait until you hit rock bottom to start building — start before you're readyRESOURCES MENTIONED:Lumena GlobalBook Your FREE Strategy CallCONNECT WITH STEPHANIE:Instagram TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  Burn the American Dream Down & Build Abroad with Vanessa Wachtmeister 16.03.2026 45mnt

  She was one of the baddies who showed up on this show back in 2021 — and four years later, Vanessa Wachtmeister is back and she is NOT the same woman. She's paid off $130,000 in debt, earned her German passport, and is about to launch her second tech startup. And she did all of it from Europe, where blueberries cost a dollar and a minor surgery runs you 300 euro — total.In this episode, Vanessa and I are getting into ALL of it: what it actually looks like to build a career, a business, and a life abroad. How she navigated work visas, taxes, and even burning down a GmbH to the tune of $100K of her own money to rebuild her startup in the US. We're talking passport diversification as the new financial strategy, why the American dream was always a lie, and how her new job platform Go Onwards is coming for LinkedIn's neck.If you've been thinking about leaving, this is your sign to stop playing and start moving.WE GET INTO:00:00 - Intro: The Baddie Who Left America in 2013 and Never Looked Back02:51 - Why Vanessa Said "Bye, America" at 21 with $2,000 and a Dream04:20 - The World Tour: China, London, Syria & Germany05:42 - What Her Life Would Have Looked Like If She'd Stayed08:42 - How to Actually Get a Job Abroad: Visas, Work Permits & What Nobody Tells You10:22 - How to Choose Where to Move13:20 - Grocery Bills, Free Healthcare & Why She Can Never Come Back16:16 - From Masterclass Girlie to Tech Founder: Her Creator Evolution18:57 - The Gap in the Market That Built Go Onwards21:55 - Why LinkedIn Doesn't Give a F*ck About Job Hunters (and She Does)23:33 - Pricing, Features & What You Get with Go Onwards24:44 - The $100K Founder Mistake She Made in Germany28:36 - The Real Tea on European Taxes31:33 - Digital Nomads, Remote Work & What 100% Remote Actually Means Abroad32:03 - How She Made $310K and Paid $26 in Federal Tax35:22 - Passports Are the New Insurance Policy36:03 - The (Very Legal, Slightly Gray) Way She's Bringing Her Family to Europe38:08 - How to Financially Prepare to Move AbroadKEY TAKEAWAYS:Getting a job in Europe as a US passport holder is more doable than you think — but you need to understand how work permits and visa sponsorship actually workThe Foreign Earned Income Exclusion lets you exclude up to $130K of foreign income from US federal taxes — stack it with tax credits and you'll be shocked at your billPassport diversification is the new financial strategy — multiple citizenships give you options that no investment account canGo Onwards filters out ghost posts, non-English jobs, and low-paying roles so you only see high-quality opportunities with visa sponsorship across all 30 EU economic areas + the UKYou don't need to fundraise to fund a startup — Vanessa liquidated part of her stock portfolio at peak to self-fund, treating it as diversification into a revenue-generating assetLiving abroad doesn't have to be expensive — Vanessa's all-in monthly budget in Berlin (including rent, health insurance, CrossFit, and Ubers home) is $2,500RESOURCES MENTIONED:Listen to Vanessa’s past episode of the podGo Onwards (Vanessa's job platform)CONNECT WITH VANESSA:InstagramWebsiteTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  How to Build a Money System That Actually Works for Your Family with Sahirenys Pierce 09.03.2026 51mnt

  What if having the right money system meant that when your family faced a crisis, finances were the last thing on your mind?In this episode, I'm sitting down with Sahirenys Pierce of Poised Finance and Lifestyle — one of the OG Latinas of personal finance on the internet — and she's sharing the story behind her High 5 Banking Method. Spoiler: it was born out of one of the scariest moments of her life, when her son needed open heart surgery and she realized that having organized finances meant she could focus entirely on him instead of scrambling for money. That's the real power of a system that works.We break down the full High 5 Banking Method — the five purpose-driven accounts, how to set them up without starting from scratch, when high-yield savings actually matters, and how to handle the very Latina reality of your family treating your emergency fund like a group savings account. We also get into her four household game changers that eliminate the mental load of running a home without losing your damn mind.Her book, The High 5 Banking Method: A Money System You Can Count On, drops March 3rd, 2026. Grab your copy — and one for someone you love too, because we're not out here building little rich silos. WE GET INTO:00:42 - Meet Sahirenys: Creator of the High 5 Banking Method02:14 - Growing Up Watching Her Parents Lose Everything in 200805:33 - From Pharmacy School to Financial Planning07:03 - Why Less Than 4% of CFPs Are People of Color09:04 - How Her Son's Heart Defect Inspired a Money System11:14 - Saving with Confidence: The Surgery Fund Story13:10 - How the System Held Up When Everything Went Wrong at Once14:42 - Breaking Down the 5 Accounts (2 Checking, 3 Savings)17:46 - Bills Checking vs. Lifestyle Checking: What Goes Where19:21 - Do All Your Accounts Have to Be at the Same Bank?20:25 - High-Yield Savings Accounts: Do You Actually Need Them?21:18 - Ally Bank's Savings Buckets Feature (Not Sponsored, Just Good)27:00 - Managing Family Financial Pressure the Cultural Way30:29 - The SOP: How to Cut, Keep, or Reduce Any Expense34:37 - The Four Game Changers for Running Your Household41:28 - Can Free-Spirited People Actually Use Systems?44:10 - What's Inside the BookKEY TAKEAWAYS:Why one checking and one savings account is keeping you stuckHow to set up five purpose-driven accounts without starting from scratchWhen to use high-yield savings — and when it doesn't actually matterHow to build an SOP so you're never scrambling financially in a crisisThe four household systems that eliminate the mental load of running a homeWhy financial systems aren't just about money — they're about protecting your familyCONNECT WITH SAHIRENYS:Instagram: @poisedfinanceandlifestyleWebsite: poisedlifestyle.comBook: The High 5 Banking Method — available at Barnes & Noble, Target, Walmart, and everywhere books are soldTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.