Latina Investors

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  201. How I Used $4k Of Investments To Pay for Big Life Expenses (Not Just Retirement) 17.09.2026 22dk

  You watched your parents work for every dollar. Every single one. And somewhere along the way, that became the blueprint: work harder, stay longer, pick up the extra shift. That's how you take care of your family. That's how you survive. But what if your money could also be working? In this episode, I'm sharing how in January 2026, my brokerage account sat at $34,000. I didn't add a single dollar to it this year. And by September, it had grown $4,011 on its own. I then sold $4,200 of it to cover half of an $8,000 AC unit. This is the first purchase I have ever made with money I didn't earn! You'll learn: ✅ Why a taxable brokerage account is the tool for funding big life goals outside of retirement✅ How Andrea's account grew $4,000 passively in 2026 without a single new deposit✅ Why "only invest money you can afford to lose" is the wrong framing and what to think instead✅ What it feels like to pay for something with money your money made — and why that changes everythingThis is not about getting rich quick. It is about building something consistent, reliable, and real. Something your parents didn't have access to. Something you can pass down.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  200. Why Learning How to Spend Is the Real Key to Building Wealth 11.09.2026 26dk

  📈 Free Training Register HereYou have money coming in. Bills are getting paid. And still, at the end of the month, you are confused. The problem is not that you are bad at saving. The problem is that no one ever taught you how to spend.In this episode, Andrea breaks down what do I do when something comes up that I did not plan for? The shift is not cutting everything out. It is building a system that gives you enough feedback to make real, conscious decisions about what is actually worth it to you and what is not.You'll learn:✅ The four buckets your paycheck needs to be split into every single month✅ Why "unexpected" expenses are not actually unexpected and how to stop letting them derail your plan✅ Why feedback and friction in your money system are not punishment, they are the whole point✅ Why spending is the skill that determines whether every other financial goal actually happensLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  199. How to Start Building Wealth: The 3 Stages Every First Gen Woman Needs to Know 03.09.2026 20dk

  If you've ever searched how to start building wealth and felt like every answer assumed you already had a foundation you were never given, this episode is the one you've been waiting for.This episode breaks down the 3 stages of wealth building so you can see exactly where you are right now, what skill you need to develop to move forward, and what is actually possible on the other side of getting this right.The reason any of us pursue wealth in the first place is not a number on a screen. It is the security to handle what life throws at you. The options to choose how you spend your time. The freedom to walk away when something is not working. That is what all of this is for.In this episode, you'll learn:✅ Why getting strategic with your paycheck matters more than earning more money✅ What spending well actually means and why it is the skill most people are missing✅ How to know which stage of wealth building you are currently in✅ What investing with purpose looks like when it is tied to a real goal, not just a general intention✅ Why saving alone does not count as wealth building✅ How to use the three stages as a framework to keep moving forward no matter where you are starting fromLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  198 Retirement vs. Investing: What's the Actual Difference (Roth IRA, 401k, Brokerage Accounts Explained) 28.08.2026 17dk

  "Retirement investing and general investing are not the same thing, even though most of us use the words interchangeably. A Roth IRA and a 401k get you started, but they only cover one branch of a much bigger system — the money you'll need for health expenses, your kids' future, and the goals that hit before retirement, like a house down payment, a sabbatical, or supporting your parents.This episode breaks down the four branches of investing: retirement, health (HSA), kids (529s, custodial accounts), and general/midterm investing through a brokerage account — plus why the taxes on a brokerage account are actually working in your favor, not against you.✅ Why retirement investing doesn't have to feel until your 40s or 50s✅ How a brokerage account funds midterm goals (house down payment, sabbaticals, supporting your parents) without touching your retirement accounts✅ The tax hack that comes with investing in a brokerage accountLet's stay connected: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  197. Upgrading From Survival To Building Wealth with Jelanny Ramirez Pavon [1:1 Client Interview] 20.08.2026 39dk

  Maybe your money system is working. Bills are paid. You are not in a crisis. But somewhere in the back of your mind, you know it was built to survive — not to build wealth. That is exactly where Jelanny was before she joined 1:1 money coaching.In this episode, Jelanny shares her journey inside 1:1 money coaching where you'll learn: ✅ Why a system built to survive is not the same as one built to grow✅ What it actually looks like to go from scattered financial information to a full investing portfolio✅ How Jelani grew her net worth by $13,000 from start to this check-in✅ Why the identity shift that comes with money coaching matters just as much as the skillsLet's connect:Website: www.buildinggenwealth.comInstagram: building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  197. The Most Powerful Wealth Building Tool 18.08.2026 5dk

  Register Here: https://calendly.com/buildinggenwealth/100k-portfolio-aug
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  196. Invisible Loss 13.08.2026 21dk

  FREE INVESTING TRAINING: https://www.bgwprograms.com/registration-pageYou have been meaning to get to it. The Roth IRA, the 401k, the investment account. You know it matters. You have heard it enough times. But somehow, life keeps moving and that thing stays on the list.That is exactly what this episode is about. Andrea opens up about her own experience of invisible loss. Because every day you do not put your money to work is a day of invisible loss. Not dramatic, not obvious, just quietly happening in the background while you tell yourself you will get around to it eventually. In this episode, you'll learn:✅ What invisible loss is and why it sneaks up on you without a single big decision✅ Why every day you delay investing is quietly working against your future✅ How the pain of realizing the loss can actually become the catalyst to start✅ What momentum builders are and how to use them to get moving with moneyLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  195. Easy Money: How First Gen Latinas Can Build Passive Income Through Investing 06.08.2026 22dk

  FREE INVESTING TRAINING: ⁠https://www.bgwprograms.com/registration-pageIf the phrase ""easy money"" makes you feel a little suspicious, or even a little guilty, this episode if for you. If you watched your parents leave before sunrise and come home after dark, or saw your mom knock on strangers' doors to make ends meet, you learned early that money is something you work HARD for. In this episode, Andrea gets real about growing up first gen, the guilt that comes with earning more than your parents, and why investing triggers the same skepticism that has been protecting first gen families for generations. You'll learn:✅ Why first gen women feel guilty or skeptical about easy money and where that belief actually comes from✅ What passive income really means and why it is the definition of easy money✅ Why day trading is not passive income and what actually is✅ The three things you need to create passive income in the stock marketLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  194. The Identity Shift That Comes With Paying Off Credit Card Debt [Debt Payoff Series, Pt. 5] 30.07.2026 11dk

  You paid off the debt. Or you are close. But something still feels off. Your body is still braced. You are still scared to look at your credit card. You are still making decisions from a place of fear. And you are wondering why hitting the goal didn't feel the way you thought it would.In this episode, Andrea breaks down what happens when you skip from debt panic straight to paid off without ever passing through debt peace. She talks about why that pattern keeps your nervous system locked in survival mode, why it creates a fear-based relationship with money that follows you into your investing decisions and your business, and why the goal was never just to get out of debt. The goal is to become the kind of person who knows she can handle it.You'll learn:✅ Why panicking your way out of debt can leave you more financially fearful, not less✅ How paying off debt from a regulated state actually changes your identity and your relationship with money✅ Why credit cards are tools, not threats, and how fear keeps you from using them strategically✅ What it looks like to problem-solve from a calm, confident place and why it benefits every area of your financial lifeLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  193. How This First Gen Latina Traveled to 42 Countries with Bianca Alba from This Latina Travels 28.07.2026 34dk

  Traveling is always on our agenda...but what about traveling solo? In this episode, I sit down with Bianca Alba, the voice behind This Latina Travels, a podcast and platform dedicated to helping first gen Latinas see the world on their own terms. Bianca was born in Bolivia, raised in a single-parent immigrant household where vacations weren't even a thought, and has now traveled to over 42 countries across six continents.In this episode, you will learn: ✅ Why solo travel is one of the most underrated tools for building confidence as a first gen woman✅ How to set a clear travel intention so your trip gives you exactly what you need✅ What to do when fear and cultural messaging tell you that solo travel isn't safe✅ The savings strategy & credit card hacks Bianca uses to fund all her trips Connect with This Latina Travels: Instagram: https://www.instagram.com/thislatinatravels/Website: https://www.thislatinatravels.com/Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  192. The 4 Emotional Stages of Paying Off Debt (And How to Get to the One That Actually Works) [Debt Payoff Series, Pt. 4] 23.07.2026 18dk

  "You're not panicking about your debt, but you're not really moving either. You're just coasting.In this episode, Andrea shares the next chapter of her credit card debt payoff journey and introduces the four emotional stages that almost every person goes through when they are working to get out of debt. These stages are not about the numbers. They are about what is happening inside of you as you face, fight, make peace with, and finally commit to paying off what you owe.You'll learn:✅ The 4 emotional stages of debt payoff and what each one actually feels like✅ Why being too comfortable with your debt can keep you stuck for months✅ What debt conviction is and how to know when you have reached it✅ Why paying off debt from a place of belief gets faster results than paying from fearLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  191. The Cash Rule That Changed How I Manage Money 23.07.2026 17dk

  Do you ever get that feeling where money comes in and somehow it is already gone? There might be one habit quietly keeping you stuck, and it is more common than you think.In this episode, Andrea shares a personal story from early in her marriage that sparked one of the most important money conversations she and her husband have ever had. and one chanlived by an unspoken rule around money. She breaks down why our brains struggle to track money that has not landed yet, how we end up double spending without even realizing it, and why this one shift — moving at the speed of cash — can help you finally feel like your money is working for you instead of disappearing the moment it arrives.You'll learn:✅ What "spending money that's coming" actually looks like in real life and why it is so easy to fall into✅ How double spending happens faster than you expect and what it is costing you✅ What it means to move at the speed of cash and how to start this week✅ Why feeling like you can never get ahead is often a systems problem, not a discipline problemIf your money has been feeling like it disappears the moment it arrives, this episode is going to give you a new way to look at it — and one simple rule you can start practicing right now.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  190. I Didn't Know I Had a Debt Ceiling Until I Almost Hit It [Debt Payoff Series, Pt. 3] 16.07.2026 15dk

  There's a number where debt stops feeling manageable and starts feeling like too much — I call it your debt ceiling, and I was starting to hit mine at $13,300.In this episode, I share what happened after I regulated my nervous system and made peace with my numbers: a big sales month that let me put $4,000 toward my debt in one shot, how that one decision cut years off my payoff timeline, and the debt ceiling concept that's shaped how I think about debt as a tool ever since.You'll learn:✅ What a debt ceiling is and how to figure out yours✅ How one lump sum payment changed my payoff timeline and interest total✅ Why I don't believe paying off debt as fast as possible is always the smartest moveLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  189. What To Do First When You Feel Like You're Drowning In Debt [Debt Payoff Series, Pt. 2] 09.07.2026 15dk

  Before I could even look at my debt numbers, I had to do something first that would set me up to succeed. In this episode, I share the exercise that helped me face $13,300 in debt without spiraling and with much more calm. I share my real journal entries, the big takeaways and how I felt like this was no longer "weighing down" on me so that I could implement strategy better. You'll learn:✅ The exercise I used to stop panicking about my debt and make it feel lighter✅ The real numbers behind my debt, including worst-case interest costs and listing out all my options✅ How making peace with the "worst case scenario" freed me up to problem-solveLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  188. How Maternity Leave, a Business Slump, and Avoidance Turned Into $13K of Debt [Debt Payoff Series, Pt. 1] 09.07.2026 15dk

  I made a big investment on a 0% interest credit card, told myself I'd figure it out later. In this episode, I walk through the origin story of the debt. And everything that came after from investing intp a business mastermind, then facing a postpartum business slump, a chaotic childcare schedule, and months of avoiding my credit card statement altogether.You'll learn:✅ Why I put $15K on a credit card instead of paying cash✅ How a business slump and new motherhood collided at the worst time✅ Why I avoided looking at my numbers for months — and what that avoidance cost meLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  187. I Got Into $13K of Business Credit Card Debt — Here's Everything I'm Doing to Get Out Of It [Debt Payoff Series Intro] 09.07.2026 2dk

  I got into $13,300 of business credit card debt, and I want to share the journey. In this episode, I'm kicking off a series where I share everything — the strategy, the mindset spirals, the wins, the shame, the numbers — from the last six months of working through this debt. Whether you're a business owner navigating cash flow decisions or a 9-to-5er carrying your own debt, this series is for you.You'll learn: ✅ Why I'm sharing this journey in real time, before it's "paid off"✅ What this series will cover for both business owners and 9-to-5ers perspectives ✅ Why talking about debt openly matters in order to lose the shameLet's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  186. Why "Can I Afford It?" Is the Wrong Question to Ask Yourself [A Real Money Check-In Story] 11.06.2026 16dk

  You said yes before you even checked. You know you want to go. You know you'll figure it out. But somewhere in the back of your head, there's this low hum of uncertainty that follows you the whole time — and it takes the edge off the fun.A few weeks ago, a friend texted me about a beach trip for the Fourth of July. It was an immediate yes. No hesitation. But before I sent that confirmation text, I asked for a few days to look at the numbers. In this episode, I breaks down exactly what happened when I sat down to do that money check-in, what I found, what I adjusted, and why my husband didn't quite get it at first. I also explains the difference between asking "can we afford this?" and asking "how are we going to cash flow this and still hit our wealth goals?" — because those are two very different questions, and only one of them actually builds wealth.You'll learn:✅ Why "can we afford it" is not the right benchmark if you are serious about building wealth✅ What it actually looks like to cash flow a fun expense without derailing your goals✅ Why a 20 to 30 minute money check-in, asking yourself the right questions, before a big decision can give you total peace for the whole trip✅ How to give every version of yourself — present you, future you, mom you, wealth-building you — a seat at the tableIf you are the person who always figures it out later but never quite feels settled about it, this episode is going to hit home. The goal is not just to afford the trip. The goal is to enjoy it fully, knowing your numbers are already handled.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  185. 3 Reasons Your Money Still Feels Tight Even When You're Making More 04.06.2026 22dk

  You check your bank account, the number looks okay, and you feel like you are probably fine. So you spend. Or you think you can save a little this month because things have been pretty good. And then somehow, at the end of the month, you are sitting there wondering where all your money went. If that cycle sounds familiar, this episode is for you.In this episode, Andrea breaks down three money decision-making patterns that feel completely right in the moment but are actually keeping you stuck. It's not that you're being irresponsible or undisciplined. But that you might be making money decisions without the right information, and your brain is doing exactly what it was built to do: help you survive. But what if the goal isn't survive...but build wealth? In this episode, you will learn: ✅ Why checking your account balance feels helpful but is actually giving you a false sense of financial security✅ What energetic minimums and maximums are and how they are silently running your money decisions✅ Why saving only when it feels like you have enough will never build consistent wealth✅ What a real money system looks like and how automation removes the mental load and helps you build wealth with every paycheckIf you are making more than you ever have and still feel like nothing is sticking, this episode will show you why, and what to do about it.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  184. Roth IRA vs 401k: How To Use Both to Build A Comfortable Retirement 28.05.2026 21dk

  You have a 401k through your job and you keep hearing that you also need a Roth IRA. But no one ever sat you down and explained how these accounts actually work together, what the difference really is, or whether you even need both. So you are out here doing your best, hoping it all adds up one day, and trying not to feel behind.In this episode, Andrea breaks down the 401k and the Roth IRA in a way that actually makes sense, starting with what these accounts really are, how they are different, and how they can work together to build your retirement. In this episode, you'll learn:✅ What a 401k and a Roth IRA actually are and how to think about them as tools, not just accounts✅ The key tax difference between both accounts and why having both gives you more flexibility when you retire✅ When it makes sense to focus on just your 401k and when it is time to open a Roth IRA✅ How to shift from hoping your retirement works out to actually knowing it willIf you are ready to stop guessing and start building a retirement strategy that is specific to your goals and your life, this episode is your starting point.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching
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  183. Why First Gen Latinas Struggle to Ask for More And How to Change That With Career Coach Evie Prete 27.05.2026 53dk

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