Yo Quiero Dinero

Episoder

• The Child-Free Money Playbook: Estate Planning, Legacy, and Financial Freedom 01.06.2026 50min

  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.
• How Chef Mia Castro Built a Career from Her Borinquen Culture 25.05.2026 57min

  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.
• She Quit Corporate, Moved Her Family to Spain & Bought a House in Cash for Under $70K 18.05.2026 52min

  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.
• Credit 101: How to Build Credit, Pay Down Debt, and Protect Your Score with Carol Pope 11.05.2026 51min

  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.
• The Cost of Being the Good Girl 04.05.2026 13min

  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.
• Getting You Ready for Power with Alexis Meruelo 27.04.2026 38min

  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.
• How Delilah Dee Built a Six-Figure Side Hustle Throwing Parties 20.04.2026 1t

  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.
• Getting Good With Money (For Real This Time) ft. Tiffany "The Budgetnista" Aliche 13.04.2026 58min

  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.
• Is Gold the Secret Investment Your Portfolio's Been Missing? With Brandon Thor 06.04.2026 40min

  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.
• You're More Ready to Buy a Home Than You Think with Josie White of Chase Home Lending 30.03.2026 33min

  ¡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.
• Why Latinas Need to Stop Climbing the Corporate Ladder and Build Their Own with Stephanie Pimentel 23.03.2026 39min

  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.
• Burn the American Dream Down & Build Abroad with Vanessa Wachtmeister 16.03.2026 45min

  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.
• How to Build a Money System That Actually Works for Your Family with Sahirenys Pierce 09.03.2026 51min

  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.
• The Lazy Way to Build Wealth with Chloe Daniels 02.03.2026 43min

  Honestly, I don't know why it took me this long to get Chloe Daniels — aka Clo Bare Money Coach — on the show, because she is a whole badass and we have been living parallel lives for years. She went from a torrential relationship with money (including being financially trapped in a dangerous situation abroad) to becoming one of the most refreshing voices in personal finance.Her approach is called lazy investing — and before you scroll past that, hear her out. Because when BlackRock ran 100 years of market data, the results backed it up. We're getting into all of it: the mindset blocks keeping women out of the market, why Wall Street jargon is gatekeeping on purpose, the truth about financial advisors, and the simple strategy that actually builds wealth long term.WE GET INTO:00:00 - Intro: Why It Took Us This Long to Do This Episode00:46 - Meet Chloe Daniels: From Side Hustle to Full-Time Finance Coach04:05 - The Childhood Money Belief That Held Her Back05:03 - Financially Trapped in an Abusive Relationship Abroad07:31 - Rebuilding Self-Trust and Becoming Your Own Hero09:05 - Wall Street Gatekeeping and the Paralysis of Conflicting Info11:47 - The Real Stats on Diversity in Financial Advising14:35 - What "Lazy Investing" Actually Is (and Why It Works)18:42 - ETFs vs. Index Funds vs. Mutual Funds: What You Need to Know20:45 - How to Figure Out Your Investor Type and Build Your Portfolio24:21 - The Common Mistake: Money Sitting Uninvested in a Brokerage27:11 - How to Calculate Your Retirement Number Using the 4% Rule36:16 - The One Thing to Do If You're Not Investing Yet38:46 - Lightning Round: Roth vs. 401k, DIY vs. Advisor, and MoreKEY TAKEAWAYS:Why investing feels hard on purpose — and how to cut through itThe difference between investing and trading (and why most people confuse them)How to determine your investor type before picking a single fundWhy your 401k money might be sitting uninvested without you knowingHow to use the 4% rule to calculate your actual retirement numberWhy the compound interest calculator is the mindset shift you didn't know you neededWhy the answer isn't cutting back — it's making more moneyCONNECT WITH CHLOE:Instagram: @clobaremoneycoachWebsite: https://www.thelazyinvestorscourse.com/ TAKE 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.
• The Credit Card Hacking Strategy That Could Save You Thousands with Jess from The Sugar Daddy Podcast 23.02.2026 55min

  What if I told you that you could travel the world without maxing out your credit cards?In this episode, I'm sitting down with Jess from The Sugar Daddy Podcast to talk about something that's been a game changer for me: travel hacking. And no, this isn't some shady scheme. This is about using credit card rewards strategically so you can live your best life without the financial hangover. Jess and her husband run a financial literacy podcast that's all about normalizing money conversations in Black and Brown communities, and she's breaking down exactly how she's been able to travel to places like Aruba without going broke in the process.WE GET INTO:00:00 Meet Jess from The Sugar Daddy Podcast03:12 Why money is still taboo in Black & Brown communities07:29 The American Dream is dead – now what?15:45 How rich families talk about money differently22:30 Travel hacking 101: The basics28:15 Strategic credit card spending categories35:40 Which credit cards to start with (and avoid)42:20 Credit score mistakes that will tank your strategy49:40 Do you need an emergency fund first?50:32 Getting started: First steps for beginners52:02 Where to find Jess and more travel hacking tipsKEY TAKEAWAYS:Money being taboo in our communities is literally keeping us broke – start normalizing financial conversations at homeRich families have quarterly money meetings and family investment funds. These tools are accessible to us tooThe old "work 40 years, retire with a pension" model doesn't work anymore – we need new strategiesTravel hacking works, but ONLY if you can pay off your credit card every monthYou need an emergency fund BEFORE you start travel hacking – life will lifeStart with low annual fee cards like Chase Sapphire or Capital One Venture ($95 or less)Close predatory store credit cards immediately if you're not paying them off monthlyEven small amounts add up – imagine 30 cousins each contributing $150/year to a family investment clubUse referral links for sign-up bonuses to maximize your points from day oneRESOURCES MENTIONED:point.meChase Sapphire CardVenture One CardAmerican Express CardCONNECT WITH JESSWebsite Instagram ​TAKE 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.
• Why Bad Bunny's Grammy & Super Bowl Moment Is Everything for Latino Culture Right Now 16.02.2026 50min

  At the time of recording this episode, Bad Bunny has just made history—TWICE. First Spanish-language artist to win Album of the Year at the Grammys. Then he delivered the most-watched Super Bowl halftime show of ALL TIME. But this episode isn't just about celebrating Benito's wins (though we're absolutely doing that too). It's about what this moment means for ALL of us—especially right now, when being Latino has been demonized and criminalized in this country.Just a heads up that this episode is a replay of a recent Instagram live I did post-superbowl and the audio reflects that in some parts. WE GET INTO:0:00 - Intro: Happy Puerto Rican Month!2:42 - The Best Halftime Show Ever4:47 - Why Unity Over Division Matters Right Now7:12 - Bad Bunny's Cultural Impact & Timing9:38 - The American Dream Story We Can All Relate To15:30 - Breaking Down THAT Grammy Win22:15 - Benito's Activism: From Day One28:45 - The Super Bowl Performance Analysis35:20 - Ricky Martin's Powerful Appearance40:10 - Understanding "El Apagón" & Puerto Rico's Reality45:02 - Hurricane Maria's Lasting Impact47:06 - How Non-Puerto Ricans Can Actually Help48:30 - The Flag Parade & Unity Message50:48 - Community Growth & Connection52:50 - Closing: Rock Your Flags & Stay PoderosaKEY TAKEAWAYS:Bad Bunny became the first Spanish-language artist to win Album of the Year at the GrammysHis Super Bowl halftime show was the most-watched of all timeThis moment represents Latino power, visibility, and refusal to stay smallBenito's activism isn't performative—he's been consistent since day oneThe halftime show featured powerful moments like the kid sleeping in the chair, the flag parade, and Ricky Martin's appearancePuerto Rico cannot vote for president and has no voting representation in CongressWe can support Puerto Rico by staying at locally-owned businesses, eating at local restaurants, and voting for representatives who support pro-Puerto Rico policiesReading Puerto Rico's history reveals shocking treatment by the U.S. including birth control testing, military testing, and bombingUnity over division is the path forward—they want us divided to maintain controlWe are taking over the world on our own terms, in our own language, for our own peopleThis is a reminder to rock our flags, tell our stories, and stay loudTAKE 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.
• The Secret to Creating True Abundance with Rebecca Gitana Torres 09.02.2026 44min

  This episode is going to shift how you think about success, abundance, and where you belong. I'm sitting down with my vecina, Rebecca Gitana Torres, a spiritual guide who rematriated to Puerto Rico after realizing the American Dream was never meant for people like us. We're talking about what holistic abundance actually means—and spoiler alert, it has nothing to do with your bank account or where you live.Rebecca shares her journey from working a city job in the Bronx to creating “transformation cocoons” in Puerto Rico, and why so many of us have been taught the colonial lie that we need to leave our homelands to find abundance. We talk about the generational programming that keeps us chasing external validation, why you need to stop clinging to old identities and relationships, and how to tap into your magnetic energy no matter where you are. If you've been feeling stuck, unfulfilled, or like you're chasing someone else's version of success, this episode is going to give you permission to redefine everything.WE GET INTO:00:00 - Intro: Meeting My Vecina from Puerto Rico02:03 - Rematriation vs. Economic Refugees: Reclaiming Our Roots06:09 - How Rebecca Left Her City Job 20 Years Ago08:27 - Why External Validation Will Always Leave You Empty13:45 - Discovering Your Value in "Regular" Jobs22:30 - The Mothership: Creating Matriarchal Safe Spaces28:40 - Stop Clinging to Old Identities & Relationships35:09 - What Happens in a Transformation Cocoon39:17 - Start Here: Clear the Clutter FirstKEY TAKEAWAYS:The colonial lie that you must leave your homeland to find abundanceHow to disconnect from external validation and find your internal powerWhy clinging to old identities keeps you stuckThe importance of clearing clutter before anything elseHow to recognize and develop your spiritual gifts in any jobCONNECT WITH REBECCA:Website Instagram YouTube TAKE 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.
• Perreo x Power with Rauw Alejandro: Reinvention Is the Strategy 05.02.2026 55min

  Welcome To Perreo x Power, a new series brought to you by Yo Quiero Dinero. In this series, we're analyzing the origins of some of the biggest stars in the Latin Urban/Reggaeton genres and pulling out all the gems that you can apply to your money, business and life! In this debut episode, I'm breaking down a 2020 interview of Rauw Alejandro, Puerto Rican singer, songwriter, and performer known for blending reggaetón with R&B, pop, and electronic sounds. Born Raúl Alejandro Ocasio Ruiz in San Juan, he grew up between Puerto Rico and the mainland U.S., with early exposure to music and a strong foundation in dance, which later became a defining part of his artistry.He spent years releasing music and refining his craft before breaking through globally, building a reputation for high-level performance, futuristic visuals, and constant reinvention. Rather than chasing trends, Rauw has focused on skill stacking and evolution, allowing him to remain relevant in a fast-moving industry. Find out how a tragic end to his original career goals inspired Rauw to pursue music, and he went from an unknown musician to a Latin Grammy award-winning artist in less than 5 years!Saturno Playlist: https://youtube.com/playlist?list=OLAK5uy_kIVZbDqHZEqhCdjjEMm-PoYy0l3GpXHto&si=MNm7VFD8ny_DfLn1Check out the Yo Quiero Dinero Podcast at https://yoquierodineropodcast.com/Watch the video version of this episode on YouTube.TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemail Hosted on Acast. See acast.com/privacy for more information.
• The Hardest Business Decision I’ve Ever Made (An Update from My Sister!) 02.02.2026 1t 5min

  This episode is going to be one of the most honest conversations I’ve ever had on Yo Quiero Dinero. It's a raw, unfiltered conversation about what happens when you mix family and business—and spoiler alert: it gets messy as hell. My sister Lianne is back after a year-long hiatus, and we're spilling ALL the tea. From her rapid social media growth that turned into a nightmare with death threats, to being diagnosed with MS at 37, to almost filing for bankruptcy—this episode holds nothing back.We talk about what it was really like when she worked for me while I was a brand new mom, how her personal struggles spilled into the business, and why we ultimately had to make the difficult decision to part ways professionally. This isn't some sanitized "family business success story", it is the real shit that nobody talks about.If you've ever worked with family, hired a family member, or wondered if you should mix business with blood, this episode is required listening.WE GET INTO: 00:00 - Intro: Family, Business & Messy Dynamics02:03 - From 0 to 100K Followers to Death Threats05:03 - MS Diagnosis, Hospitalization & Bankruptcy07:20 - "I Was a Horrible Employee": Taking Accountability10:58 - The Performance Improvement Plan & Final Warning30:38 - The Money Problem: 1099 Tax Chaos37:26 - Digging Out of the Spiral: The Brutal Reality41:36 - Landing the New Job & Finding Peace54:56 - The 2026 Comeback: What's Different This Time58:29 - Should You Work with Family? The Real AnswerKEY TAKAWAYS:​​The gift and curse of rapid social media growthWhy follower counts don't equal moneyHow to navigate difficult conversations with family in businessRecognizing when a business relationship has reached its expiration dateThe importance of boundaries in ALL relationshipsHow to rebuild after burning everything downRESOURCES MENTIONED:Listen: Episode 179: 2 Sisters, 2 Survivors | Lianne Torres | Watch Us Thrive PodcastErica KramerCONNECT WITH LIANNE:WebsiteInstagram: @watchusthrivepodcastTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemail*Content Warning: This episode contains discussions of mental health struggles, financial hardship, and online harassment.This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
• The State Of Latina Wealth in America with Dr. Marlene Orozco 26.01.2026 1t 4min

  In this data-packed episode of Yo Quiero Dinero, Jannese sits down with Dr. Marlene Orozco, founder of Stratified Insights and lead researcher behind one of the most comprehensive studies ever conducted on Latina wealth in America. Together, they break down the receipts real numbers, real stories, and real systems that explain why Latinas continue to earn less, save less, and carry more financial responsibility, despite being one of the fastest-growing economic forces in the country.This conversation goes beyond hot takes and dives into the structural barriers, cultural expectations, and systemic inequities shaping Latina wealth today from entrepreneurship and homeownership to caregiving, education, and retirement. If you’ve ever felt like you’re working twice as hard for half the reward… this episode will make you feel seen and fired up.What We Get Into00:00 Why this Latina wealth data matters01:10 Meet Dr. Marlene Orozco04:25 First-gen roots & entrepreneurship09:30 Necessity vs opportunity businesses12:50 The Latina wealth paradox17:45 The 27% pay gap explained23:50 Entrepreneurship as a wealth strategy29:55 Homeownership & credit barriers34:10 Retirement & investment gaps37:45 Financial first responders47:40 The motherhood penalty56:20 Hope, policy & what’s nextKey TakeawaysLatinas are not behind because of bad choices — the system is working exactly as designed.Education and entrepreneurship do increase earning potential, but they are not enough without access to capital and policy support.Caregiving, cultural expectations, and family responsibility significantly limit Latinas’ ability to save and invest.Homeownership remains a primary wealth strategy, but affordability, credit access, and insurance risks threaten long-term stability.Real change requires structural solutions, not just individual financial literacy.Resources MentionedREPORT - Latina Wealth In America: https://latinoprosperity.org/research,Latino AI Summit: https://tinyurl.com/latinoaisummit2026 Stratefied Insights: https://www.stratifiedinsights.com/ Marlene's LinkedIn: https://www.linkedin.com/in/marlene-orozcoFree Download: New Year Dinero Reset GuideMy private membership: https://courses.yoquierodineropodcast.com/foundersHave a question? Leave me a voicemailBook: Financially Lit by Jannese TorresThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.