Yo Quiero Dinero

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  Venture Capital 101 with GP Lolita Taub 14.09.2026 42мин

  Most of us didn't grow up learning about venture capital — it can feel like a world you're either born into or invited into by elite networks. This week, Jannese sits down with Lolita Taub, General Partner at Ganas Ventures, who has done it all: founder, angel, LP, GP, and ecosystem builder. Lolita breaks down what venture capital actually is (no jargon, promise), how to become an accredited investor without a six-figure salary, and why the questions investors ask founders of color are so different from the ones they ask everyone else. If you've ever felt like investing — or raising money — "isn't for you," this episode is your invitation to the table.WE GET INTO:01:55 — Growing up in South Central LA & lessons about money03:39 — "Echale ganas": the origin of Ganas Ventures05:51 — From USC to big tech: IBM, Cisco & finding her "tribe"07:45 — The interview series that introduced her to venture capital09:12 — Breaking into VC and building her own fund10:25 — Representation in venture & the Siete Foods story11:37 — What venture capital actually means, no jargon13:23 — VC vs. lotto tickets: the real odds14:24 — What makes a business "venture backable"15:01 — Bootstrap vs. raise: the Calendly story17:11 — Why full control means skipping VC money18:50 — Crowdfunding and other accessible ways to invest19:20 — What is an accredited investor (and how to become one without the income)22:07 — The risk of taking money from unaccredited investors24:51 — Bias, pedigree, and the double standard for founders of color31:25 — How to actually get started as an investor34:03 — Angel checks vs. VC checks: how much you really need35:03 — Overcoming imposter syndrome & belonging in venture36:24 — The size of the Latino economy & rising unicorn foundersKEY TAKEAWAYS:→ Venture capital is money businesses raise to grow fast but most small businesses shouldn't raise it, and bootstrapping is often the smarter move.→ You don't need to be a millionaire to become an accredited investor — working at a fund or taking a certification course can qualify you.→ Angel investors can write checks as small as $100 through platforms like crowdfunding sites, angel syndicates, and groups like Hustle Fund's Angel Squad.→ Founders of color get asked "why won't you fail" while their counterparts get asked "how big is your vision" — know this bias exists and come prepared with hard numbers.→ If the Latino community were its own economy, it would be the third largest in the world. The opportunity in this space is massive!→ Imposter syndrome is normal. Belonging doesn't require certainty; it requires showing up.CONNECT WITH LOLITA:Website: lolitataub.co Instagram: https://instagram.com/lolitatatub 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/FOLLOW YO QUIERO DINERO:Instagram: https://www.instagram.com/yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastFacebook: https://www.facebook.com/yoquierodineropodcastWebsite: https://yoquierodineropodcast.comThis episode was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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  I've Been Hiding My Success (Here's Why) 07.09.2026 32мин

  I've ghosted y'all, and I need to apologize — because it wasn't intentional, and we need to talk about why. For years I shared everything: the brand deals, the $144K year that replaced my corporate paycheck, all of it. But after crossing a quarter million in revenue, I got quiet. In this episode I'm breaking down why success got harder to talk about than struggle, the family side-comments that made me want to shrink, and why I'm committing to radical, responsible transparency from here on out — revenue AND expenses, wins AND costs.WE GET INTO:00:01 The Ghosting Confession02:20 The Accidental Business Origin (2019)04:49 Celebrating Early Wins: The $144K Milestone07:14 From $125 to $50K Brand Deals09:37 The Discomfort of Outgrowing Her Old Self10:21 Fear of Becoming Unrelatable12:44 Struggle vs. Success in Latino Community Narratives15:08 Family Side Comments and Feeling Like an Outsider17:25 Committing to Radical Transparency19:40 Why Latina Wealth Visibility Matters21:54 Hope Over Guarantee: What This Show Is For24:22 Honoring Every Version of Herself26:48 Reconnecting With Her New Self as a Mom29:10 Outro: Create & Cultivate Festival + Sign OffKEY TAKEAWAYS:→ Making the commitment to radical, responsible transparency — sharing the expenses and real costs behind every revenue win, not just the headline number→ My financial arc: $144K in 2020 to $500K/year for the past four years and the first millionaire in my family→ The bigger my numbers got, the quieter I became because I was afraid of seeming unrelatable or being judged by family→ The real emotional cost of success: strained family dynamics, side comments, and imposter syndrome→ Why hiding wins is a disservice to the community and keeps success feeling out of reach→ A personal reflection on postpartum, my book tour, and my first year as a momTAKE 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/ FOLLOW YO QUIERO DINERO:📸 Instagram: https://www.instagram.com/yoquierodineropodcast 🎥 YouTube: https://www.youtube.com/@yoquierodineropodcast 🎵 TikTok: https://www.tiktok.com/@yoquierodineropodcast  Hosted on Acast. See acast.com/privacy for more information.
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  Healing How We Parent (and How We Were Parented) 31.08.2026 1ч 12мин

  This week on Yo Quiero Dinero I sat down with Leslie Priscilla, a Parent Coach, founder of Latinx Parenting, and author of the brand-new book CHANCLA: Healing Our Families, Ourselves, and Our Culture. Together we talk about the things that aren’t always so easy when it comes Latino parenting: the good, the bad, and la chancla itself. We're getting into intergenerational trauma, why "gentle parenting" content ignores the reality Latina moms actually live in, what reparenting really looks like day to day, and how the money scarcity messaging we grew up with shapes our kids for life. Don’t sleep on this one! WE GET INTO:1:13 Latino Parenting & Breaking Cycles2:15 Leslie’s Parenting Journey6:58 Parenting with Compassion Under Pressure18:11 Why La Chancla? Reclaiming a Cultural Symbol24:51 Setting Boundaries in Multigenerational Families35:36 Reparenting Yourself44:39 Healing When Parents Won’t Take Accountability45:39 Scarcity, Money & Self-Worth49:15 Raising Kids to Question Authority56:46 Building Self-Worth & Emotional Safety1:03:28 A New Vision for Latino Family Healing1:07:22 Where to Find Leslie & the BookKEY TAKEAWAYS: → All behavior (yours and your kid's) is a strategy to meet a need and reframing "bad behavior" this way changes everything.→ Reclaiming la chancla means aiming it at the systems (patriarchy, capitalism, white supremacy, harmful religious dogma) instead of at your kids.→ Reparenting isn't about indulging your inner child; it's a disciplined practice of asking "what would be loving right now?"→ You can't control how your parents or grandparents react to you parenting differently — but you can still do it differently.→ Scarcity language ("we don't have money") shapes a kid's relationship to money and self-worth long into adulthood.→ Respect ≠ obedience. Teaching kids to question authority is a survival skill, not disrespect.CONNECT WITH LESLIE:– Latinx Parenting: https://latinxparenting.org– Buy the book: https://latinxparenting.org/chancla-book/ – Follow Leslie on Instagram: https://www.instagram.com/latinxparenting 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/FOLLOW YO QUIERO DINERO:Instagram: https://www.instagram.com/yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastWebsite: https://yoquierodineropodcast.comThis 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 Cultural Rules Keeping Latina Leaders Stuck 24.08.2026 56мин

  Mi gente, this one is going to trigger you — in the best way. This week I’m sitting down with Denise Soler Cox, a cultural excavator, award-winning filmmaker, keynote speaker, and author who's spent the last decade going inside the cultures that shape how we lead, belong, and become who we are. After speaking on stage, women kept pulling Denise aside to share secrets they'd never told anyone. From this, Denise began to realize the cultural rules keeping Latina leaders shrinking and sidelined — and how to finally cut them out. Throughout the conversation, Jannese and Denise get into it: the two conflicting rules about money most of us grew up with (don't talk about it when it's bad, don't talk about it when it's good — and what that silence actually costs us), why corporate America rewards "polished" over honest, the hardest chapter Denise had to write (her relationship with her mom), boundaries, the "no contact" pendulum, and why the book is releasing in English and Spanish on the same day.WE GET INTO:01:50 – Origin story: Being Enye and the 17-year wait to make it04:36 – How backstage confessions became a book about 10 taboos09:31 – Corporate polish vs. real authenticity11:56 – Cultural rules around what emotions are "acceptable"16:10 – The two conflicting rules about money19:20 – "Thermal equilibrium": the cold rooms in our families21:06 – "White people problems" and the guilt of making more money24:26 – Becoming the villain of the family story27:32 – No contact vs. the hard conversation31:33 – Gratitude vs. losing your ambition34:04 – The hardest chapter to write: her mom40:00 – Why the book releases in English and Spanish the same day41:59 – What women should feel comfortable saying out loud44:14 – Pay transparency and speaker rate shame47:09 – Fill in the blank: what makes Latinas financially unstoppable50:30 – Where to find Denise, the film, and the bookKEY TAKEAWAYS: → The rule of staying silent about money — whether things are good or bad — costs Latinas real dollars and real validation from the people who love us most→ "Thermal equilibrium": some family topics stay frozen forever unless someone actively warms them up→ The people who get upset when you set a boundary are usually the ones who benefited from you not having one→ Corporate spaces reward "polished" — but the realest, most transformational work happens when you stop performing→ Healing happens in community, not isolation — which is exactly why this book and this podcast exist→ Pay transparency (rates, salaries, what you charge) is one of the taboos most worth breaking first→ Ambition and gratitude aren't opposites — you're allowed to hold bothCONNECT WITH DENISE:Website: denisesolercox.com/ Book: https://denisesolercox.com/book Instagram: https://www.instagram.com/denisesolercox 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/FOLLOW YO QUIERO DINERO:Instagram: https://www.instagram.com/yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastWebsite: https://yoquierodineropodcast.comThis 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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  Nara Smith Isn't a Trad Wife, OpenAI Has a PR Problem, and Other Hot Takes 17.08.2026 44мин

  It's been a minute since I gave you a full behind-the-scenes update, so today's episode is a solo catch-up plus is Nara Smith a trad wife or a genius businesswoman cosplaying domesticity? A mom informed her three adult daughters they now owe her $300/month, should they pay? And OpenAI took a group of creators on a luxury brand trip that the internet did NOT let slide, but who actually deserves the scrutiny? Stay till the end because I'm sharing all the ways you can work with me right now and diving into the biggest takeaway of this episode: money, power, and influence are always operating behind the image.WE GET INTO: 0:00 – Intro: what's on deck today0:00 – Business update: Sales Without Social launch recap4:54 – New digital products program (coming soon)7:15 – Financially Lit Club school community + the $75K challenge11:50 – Rich Mommy Retreat: Costa Rica, Nov 2–515:17 – Personal health update: GLP-1, HRT, and 50+ lbs lost17:41 – Perimenopause, chronic illness, and Latino community health gaps22:21 – Is Nara Smith a trad wife?26:40 – Am I the Asshole: the $300/month "daughter dividend"35:17 – The OpenAI creator brand trip backlash39:46 – The common thread: money, power, and image42:12 – Ways to work with Jannese + closingKEY TAKEAWAYS:Passive marketing beats algorithm dependencyThere's no ceiling on what you can earnDomesticity ≠ financial dependence, and vice versa isn't automatically liberationFamily generosity shouldn't be a mandatory recurring invoiceBrand partnerships come with responsibility — ask what you're lending your name toFinancial literacy goes way beyond budgetingEPISODE RESOURCES: 🔗 Idea to Income Webinar: https://www.crowdcast.io/c/idea 🔗 The Financially Lit Club: https://www.skool.com/financially-lit-club/ 🔗 The Rich Mami Retreat: ​https://trovatrip.com/trip/central-america/costa-rica/costa-rica-rich-mami-2026 🔗 The First Gen Founders Circle: https://courses.yoquierodineropodcast.com/founders 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/FOLLOW YO QUIERO DINERO:Instagram: https://www.instagram.com/yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastWebsite: https://yoquierodineropodcast.comThis 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 Went From Receptionist to Senior Leadership Without a Degree 10.08.2026 56мин

  This week on Yo Quiero Dinero, Jannese sits down with Jessica Rivera — proud Boricua, mom at 19, and 20-year corporate vet who climbed from receptionist to senior leadership without ever following the "traditional" path. Jessica is here to help us decode the psychology of corporate power, promotions, and why your work ethic alone will never be enough to get you promoted. This episode gets into the imposter syndrome that doesn't disappear even after you hit the title and the money, the moment Jessica realized she had to bet on herself, and why she believes women's emotions are a leadership superpower — not a liability. They also get into the messy, real stuff: crabs-in-a-barrel dynamics in the Latino community, boundaries with people who take shots at your success, and the one standard Jessica refuses to lower for herself.WE GET INTO: 01:21 – Becoming a mom at 19 and choosing grit over the traditional path03:26 – Being "the only" Latina in the room05:29 – Learning corporate chess: playing the game on her own terms07:12 – Imposter syndrome and the nitpicking that wears you down09:05 – From receptionist to sales: Jessica's career trajectory11:46 – The $50K retention bonus — and the promotion that never came17:33 – Betting on herself: leaving corporate to coach full-time21:23 – Building the BRAVE Method26:09 – Burnout as a "badge of honor"28:32 – Redefining success in the Latino community30:41 – Judgment, boundaries, and who gets to stay in your life33:57 – Confidence, courage, and owning your voice36:23 – Why women's emotions are a leadership superpower41:32 – Chasing who you're becoming, not just the goal45:16 – Living a full life: family, love, and what's next47:41 – Jessica's Puerto Rico retreat, resources, and the standard she refuses to lowerKEY TAKEAWAYS:→ Hard work and grit will get you far — but they won't get you promoted. Understanding the psychology of power and politics will.→ Imposter syndrome doesn't disappear once you hit the title or the money. It requires ongoing internal work.→ "Struggle culture" and "hustle culture" are not the same thing — and confusing the two keeps high achievers stuck.→ You have to be willing to lose people who can't handle your growth. That's not arrogance, that's a boundary.→ Chase who you're becoming, not the goal itself — the goal is just a byproduct.→ Women's emotions are a leadership superpower, not something to suppress to be taken seriously.CONNECT WITH JESSICA:Website: jessicarivera.co Instagram: https://www.instagram.com/jessicarivera.co/ LinkedIn: https://www.linkedin.com/in/jessicarivera/ 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/FOLLOW YO QUIERO DINERO:Instagram: https://www.instagram.com/yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastWebsite: https://yoquierodineropodcast.comThis 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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  We Bought Our First Fixer Upper: Real Numbers, Real Marriage Talk With My Husband 03.08.2026 1ч 6мин

  Hola mi gente! This week I'm switching things up. My husband Ray is joining me in an actual whole ass podcast studio to talk about the real estate business we've started building: house flipping. We closed on our first fixer-upper here in Florida, in cash, and we're pulling back the curtain on why we did it, what the real numbers look like, and how we keep being business partners from turning into a threat to our marriage.WE GET INTO: 00:00 Welcome to the studio: meet Ray02:03 Ray's construction background (his dad and grandfather taught him everything)09:41 Why they sold the Puerto Rico condo to fund this12:50 Finding the house: the comps, the negotiation, closing at $140K19:21 Inspection day: the good, the bad, and the roaches24:17 The full renovation scope, room by room34:04 The real numbers: budget, target sale price, profit margin38:59 How they split roles: the LLC, the credit card, the labor45:10 Keeping the flip from taking over the marriage47:44 Rapid fire: who's most likely to...51:27 Plan B if it doesn't sell54:42 Final thoughts: budgeting for the unexpectedKEY TAKEAWAYS:→ You don't need a mortgage to get started, but you do need liquidity and a plan for where that cash comes from→ Comps are everything. Know what renovated properties are actually selling for before you fall in love with a "deal"→ Budget for the worst case on every line item (roof, HVAC, electrical) so a surprise doesn't wreck your numbers→ Permits exist because someone got hurt before you. Don't DIY the things that legally require one→ When you're in business with your spouse, define your lanes clearly, money person and labor person, and stay in yours→ Always have a Plan B (long-term rental, Airbnb) if the flip doesn't sell fast→ The real ROI in this episode isn't the house, it's the years of money mindset work that made a six-figure cash purchase feel possible instead of terrifyingTAKE 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/FOLLOW YO QUIERO DINERO:Instagram: https://www.instagram.com/yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastWebsite: https://yoquierodineropodcast.comThis episode was recorded at Tampa Studio Collective (https://www.instagram.com/tampastudiocollective) and produced by Heart Centered Podcasting.  Hosted on Acast. See acast.com/privacy for more information.
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  Exactly How to Buy Real Estate in Puerto Rico with Krystal Vias of Buy the Block PR 27.07.2026 52мин

  This week we're picking up where we left off last week after I shared my own journey selling my condo in PR — and this time we're going deep on buying real estate on the island. I sat down with Krystal Vias, a proud Nuyorican and founder of Buy The Block PR, who's on a mission to reconnect la diáspora with Puerto Rico, one block at a time. Krystal didn't step foot on the island until she was 38 and that first trip changed everything. Now she's helping thousands of Boricuas navigate the confusing, often antiquated process of buying property back home, from finding trustworthy realtors to avoiding land scams. We get into the real talk: the identity crisis so many of us in the diaspora carry, conscious investing versus gentrification, and why speaking perfect Spanish is NOT a requirement for belonging. If you've ever thought about buying property on the island, this episode is your permission slip.WE GET INTO:00:00 – Intro: Welcome Krystal Viaz, founder of Buy The Block PR01:26 – Krystal's story: first trip to PR at 38 and falling in love with the island02:26 – Financial education roots + losing her brother-in-law to colon cancer04:49 – Why there's no Cash App or Zelle in PR (and why that's by design)06:44 – What Buy The Block PR actually offers07:40 – Krystal's podcast, By The Blockcast08:14 – Navigating identity: being "from here but also from there"10:34 – Dealing with backlash: "you're not really Puerto Rican"12:37 – Misconceptions about buying property (it's not just hopping on Zillow)13:44 – How to actually find listings on the island16:30 – Vetting real estate agents, lenders, and contractors18:43 – Common scams and red flags to watch for20:17 – The risks of buying land (inheritance issues, unpaved roads, protected land)22:27 – What you need financially before you start looking25:41 – Conscious investing vs. displacement and gentrification30:05 – Airbnb, tax incentives, and long-term rental income34:09 – Building remote income to fund the move37:24 – "Spanish shame" and the myth that fluency is required39:37 – Internal pressure vs. external validation of Latinidad41:25 – The history behind Puerto Rican migration policies43:41 – How to get involved with Buy The Block PR45:19 – Closing thoughts: ownership, privilege, and being about itKEY TAKEAWAYS:Puerto Rico doesn't have one central MLS like the mainland — off-market properties, Facebook groups, and word-of-mouth are huge parts of the processYou'll need a trusted, vetted local team (realtor, lawyer, mortgage broker) — and red flags include people who go dark on communicationLand purchases carry unique risks: unresolved inheritance issues, unpaved roads, no electrical/water access, and protected land you can't build onMainland buyers typically need a second-home loan (20% down) unless they can prove 2 years of remote or island-based incomeLong-term rental income in PR can be tax-free — a lesser-known incentive worth knowing aboutConscious investing means asking "how does this affect my neighbors and community?" — not just "what's my ROI?"Not speaking fluent Spanish does NOT disqualify you from reconnecting — the real barrier is internal permission, not languageCONNECT WITH KRYSTAL:Buy The Block PR Website: https://www.buytheblockpr.comBuy The Block PR Instagram: https://www.instagram.com/BuytheblockPRTAKE THE NEXT STEP WITH YO QUIERO DINERO:SALES WITHOUT SOCIAL BUNDLE: Get discovered and make sales in 30 days without posting on social media. LEARN MORE HERE.📕 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/ FOLLOW JANNESE:Instagram: https://www.instagram.com/yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcast Hosted on Acast. See acast.com/privacy for more information.
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  Yes, I Sold My Puerto Rico Condo — Here's What I'm Doing Next 20.07.2026 34мин

  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 45мин

  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 52мин

  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 49мин

  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 31мин

  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 23мин

  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 58мин

  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 50мин

  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 57мин

  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 52мин

  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 51мин

  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 13мин

  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.