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Last week I was featured on Banking On Cultura, hosted by mi amiga Victoria Jenn Rodriguez. The conversation was so good that I wanted to bring it to the YQD feed! Take a listen and subscribe to Banking on Cultura wherever you get your podcasts. FOLLOW JENN: 📲Instagram: ⁠⁠⁠⁠⁠iamvictoriajenn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📲 TikTok:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ iamvictoriajenn⁠⁠⁠⁠⁠⁠⁠⁠⁠ FOLLOW YO QUIERO DINERO: Ready to get your financial sh*t together? Work with me. 📸 Instagram: https://www.instagram.com/yoquierodineropodcast 🎥 YouTube: https://www.youtube.com/@yoquierodineropodcast 🎵 TikTok: https://www.tiktok.com/@yoquierodineropodcast -- She launched a podcast from a closet, using an iPhone 11 and wired Apple earbuds, then built a digital business powerful enough to make her a millionaire. But the real story is bigger than the revenue. It’s about a Puerto Rican woman claiming space in rooms shaped by whiteness, turning cultural fluency into economic power, and refusing to separate wealth from identity. In this episode, Victoria Jenn Rodriguez sits down with Jannese Torres, creator of the Yo Quiero Dinero Podcast and author of Financially Lit: The Modern Latina’s Guide to Becoming Financially Poderosa. Jannese Torres breaks down what it takes to monetize attention without diluting your values, use pop culture with intention, build beyond corporate dollars, and create offers people will pay for in an era where information is everywhere. The conversation moves through privilege, brand safety, AI, direct-to-consumer strategy, community accountability, and the uncomfortable truth that our dollars can either reinforce exclusion or fund the rooms we actually want to enter. What We Get Into: 01:13 Why Latino buying power keeps growing while Latino creators still get overlooked02:43 The introvert who used to break out in hives before public speaking04:27 Her first paid workshop became a 45-minute tech disaster, and people still waited06:34 The fear lesson that changed how she approaches entrepreneurship07:30 The shower idea behind Yo Quiero Dinero, and how she claimed the name11:12 How to use Bad Bunny and pop culture without chasing empty clicks15:00 The arroz con gandules post that revealed her real content niche18:26 How to discuss race, privilege, and controversy without posting reactively23:31 Why your values need to be part of your brand before the brand deals arrive26:30 The business protection of building both B2B and direct-to-consumer income30:32 Why people no longer want more information, they want access and results33:38 The shift from passive courses to retreats, boot camps, and build-in-real-time offers39:58 “Brown girls on the flyer” does not mean the room was built for you42:58 Why Latinos need to stop discounting their own community and start investing at full price45:36 How grassroots funding, community partnerships, and voting with your dollars create change49:06 The practical playbook: diversify your offers, deepen your work, and spend with intention Key Takeaways Fear shrinks when you stop negotiating with it. A delayed workshop helped Jannese Torres build her speaking career.Cultural relevance is a business asset. Create from your identity instead of chasing trends.In the AI era, people pay for access, accountability, and results.Direct-to-consumer revenue gives creators more control over their message.Build your values into your brand before the brand grows.Representation means little if the community isn’t truly included.Every dollar supports the businesses and systems you want to sustain.Invest in Latino businesses at full value to strengthen the community.Grassroots spaces create opportunities where traditional rooms fall short.Exposure to new environments expands your vision of wealth and leadership. Hosted on Acast. See acast.com/privacy for more information.

Today we're talking to a brujería. Depending on how you grew up, that word might feel like home or it might make you nervous. Wendy Mata, founder of Bruja Power Botanica and author of Bruja Curandera, spent 20 years in cybersecurity and digital forensics before a Día de los Muertos dream from her late grandmother changed everything. Now she runs a seven-figure business teaching people to reclaim their magic. We get into money programming, why wanting more isn't selfish, how money spells actually work, and how to pair spiritual practice with real financial action. WE GET INTO: [00:25] Intro: Why we’re talking spirituality and money [02:17] Meet Wendy Mata, founder of Bruja Power Botanica [03:04] Corporate success, an empty feeling, and the Día de Muertos dream [07:02] What a bruja really is, and reclaiming the word [08:51] Staying small, colonization and our money programming [09:32] The money stories we inherit [11:47] Si Dios quiere vs. Dios siempre quiere [13:39] Step one: making the decision [15:06] The mantra for when wanting money feels selfish [16:12] The viral TikTok that made $10K overnight [18:35] How to release your money programming [20:35] “You say yes, then you figure it out” [21:24] Ritual meets action: the practice of surrender [24:11] How money spells actually work [27:07] The full moon floor wash for business [28:25] Talking abundance without shame [32:07] How to know if you’re a bruja [35:18] From a sold-out retreat to kitchen candles [37:29] The path to seven figures [39:33] Charging for ancestral gifts [42:59] Writing Bruja Curandera [46:44] Your first step: I believe in my magic KEY TAKEAWAYS: → Spirituality without action is just wishing. Pair mindset and ritual with real moves → Dios siempre quiere. The support is there, but you have to do the work → When wanting money feels selfish, try: "The more money I make, the more people I can help" → Releasing limiting beliefs isn't enough. Decide what you'll believe instead → Ask for help. If you don't ask, you already have the no → Struggling isn't a mindset failure. Systemic barriers are real, and abundance goes beyond money → You're allowed to charge for your gifts CONNECT WITH WENDY: Instagram:https://www.instagram.com/brujapower/ Website:https://www.bruja.us/ Book: brujacurandera.com 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 Coaching Call: https://yoquierodinero.as.me/schedule/a5e9a3eb 🤝 Join the The Financially Lit Club: https://www.skool.com/financially-lit-club/about 📅 Upcoming events: https://yoquierodineropodcast.com/events/ FOLLOW YO QUIERO DINERO: 📸 Instagram: https://www.instagram.com/yoquierodineropodcast 🎥 YouTube: https://www.youtube.com/@yoquierodineropodcast 🎵 TikTok: https://www.tiktok.com/@yoquierodineropodcast This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

We were taught to work hard and save money, but nobody explained how taxes fit into building wealth. So this week, I'm joined by Laura Zarrate, CPA and founder of Athena CPAs and Advisors. Laura immigrated from Bogotá, Colombia, at 14 with her dad and two 40-pound suitcases. She started her career at Deloitte, then built her own firm. Today she and her team serve 200+ business owners across the U.S. We get into why the tax code is a playbook, what an LLC actually does, when an S Corp makes sense, and why "just write it off" is not a strategy. If you're an entrepreneur who only talks to a tax pro in April, this one's for you. WE GET INTO: [01:45] Meet Laura: from Bogotá to Athena CPAs [02:34] Not the typical "old white guy" CPA [03:53] Immigrant frugality and learning to ask for help [05:48] Choosing the world of "more than enough" [07:04] Deloitte and the road to her own firm [11:33] Why she left: freedom and meaningful work [13:24] The skill that humbled her: sales [16:56] The tax conversations Latinos aren't having [18:04] How taxes actually work for W-2 vs. business owners [20:21] Is the tax code confusing on purpose? [21:23] Tax prep vs. tax planning [23:03] Deductions entrepreneurs miss: home office and car [26:32] Putting your kids on payroll [30:14] When to hire a CPA [32:08] What an LLC does (and doesn't do) [35:39] S Corp elections explained [40:54] The "just write it off" myth [43:51] Tax tips that need to go: S Corps, Wyoming and Delaware LLCs [47:04] Making more money but still feeling broke [49:40] Paying yourself with unpredictable income [51:34] Retirement accounts for entrepreneurs [55:05] HSAs explained [58:30] Deducting health insurance as a business owner [1:02:50] Tax relief services: real or scam? [1:04:58] How to vet a tax professional [1:09:27] One step to take this week KEY TAKEAWAYS: → The tax code rewards three activities: owning a business, owning real estate, and investing. → Tax prep is not tax planning. Your tax pro should give you a plan with real numbers. → An LLC is for legal protection and business credit, not tax savings. → An S Corp is a tax election, not a new business. It comes with payroll and reasonable salary rules. → A deduction lowers your taxable income. It does NOT make the purchase free. → Hiring your kids can work, but only with real work, market pay, and good records. → Know your break-even number and check your books monthly, not yearly. → Anyone can prepare taxes. Check licenses and ask about experience with your type of business. CONNECT WITH LAURA ZARRATE: Website: https://athenacpas.com Instagram: https://www.instagram.com/athenacpas 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 Coaching Call: https://yoquierodinero.as.me/schedule/a5e9a3eb FOLLOW YO QUIERO DINERO: 📸 Instagram: https://www.instagram.com/yoquierodineropodcast 🎥 YouTube: https://www.youtube.com/@yoquierodineropodcast 🎵 TikTok: https://www.tiktok.com/@yoquierodineropodcast This episode is for educational purposes only and is not tax, legal, or financial advice. Talk to a qualified tax professional about your situation. Yo Quiero Dinero is the #1 English-language personal finance podcast for Latinas and people of color. New episodes every Monday. Hosted on Acast. See acast.com/privacy for more information.

So many of us are waiting on "someday" to go after the thing we really want. But what happens when someday stops feeling guaranteed? Yvette Ramirez is a bilingual Cuban and Salvadoran American, a tech professional, and the founder of Kuro Libros, a children's picture book brand that helps families teach their kids Spanish at home. In February 2023, Yvette was diagnosed with stage 4 lung cancer. Instead of waiting until retirement, she ran her numbers and realized she could coast FIRE. So she's betting on herself NOW. WE GET INTO: [01:24] Meet Yvette and Kuro Libros [01:54] Why now: a stage 4 diagnosis [03:00] Cuban and Salvadoran money lessons: saving, property and wanting more [04:40] From law school to tech startups [07:56] How a diagnosis changes your view of time [09:33] Realizing she could coast FIRE [10:50] Is a steady paycheck really security? [12:35] Stock options, tender offers and her FIRE number [16:04] The gap in Spanish children's books [19:06] Confidence, Caribbean Spanish and choosing the right Spanish [22:04] Taking your own idea seriously [23:55] Self-publishing behind the scenes: $50K+ invested [29:12] Building a business while managing cancer [31:18] Full circle: EGFR, prognosis and hope [35:18] Would she have started sooner? [37:28] "Why not now?" A message for Latinas waiting on someday [39:33] Your paycheck is your angel investor [40:03] How she ended up in the Netherlands [41:44] What she hopes kids feel + where to find Kuro Libros KEY TAKEAWAYS: → Your parents may have taught you to save, but saving alone isn't the whole wealth plan. Investing is how your money grows beyond what you earn. → FIRE calculators can reveal you're closer to freedom than you think. Yvette found she needed around $600K to $700K invested to coast, and her equity had already passed that. → A steady paycheck isn't the only kind of security. After her diagnosis, Yvette started measuring wealth in time, flexibility, and freedom to see her family. → Your lived experience is a business idea. Yvette saw friends struggle to raise bilingual kids and saw a gap for a Latino main character in children's books. → There's room for more than one of us. Seeing another Latina-owned brand succeed showed Yvette the market was ready, not taken. → Treat your passion project like a business from day one. That means trademarks, an IP attorney, a professional editor, and the right illustrator. → Rest is part of the strategy. Building on your own terms means giving yourself flexibility and slowing down when your body needs it. You don't have to quit to start. Your paycheck can be the angel investor for the thing you want to build. CONNECT WITH YVETTE: 🤝 Instagram: https://www.instagram.com/kurolibros 🌐 Website: https://www.kurolibros.com (free resources available) Leave a review of the podcast & be entered for a chance to win a gift from KuroLibros.com! 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 Dinero Power Hour: 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.

This week's episode came from a very real, very tearful moment on my Instagram: the realization that there is no magic number that makes you feel financially secure. So I brought back someone who can actually help us unpack that. Jacent Wamala is the founder of Wealth and Wellness University where she helps high-earning women of color break the cycle of financial anxiety and build real, lasting wealth without burning out. We're getting into it: the difference between earning money and actually FEELING financially free, why your nervous system is running the show more than you realize, the identity shift nobody warns you about when you go from debt payoff mode to wealth building mode, first-gen money programming, the pressure of the sandwich generation, and why community (not hustle) is the real key to building wealth. If you've ever felt like you're doing everything "right" on paper but still panic every time you check your account, this episode is your permission slip to look deeper. WE GET INTO: [01:32] Meet Jacent: from therapist to financial coach [03:04] Reconnecting: how her relationship with money evolved since 2021 [06:06] The signs someone needs a financial therapist or coach [08:19] Unpacking childhood money programming [09:40] First-gen wealth builders and immigrant money lessons [12:06] The sandwich generation squeeze [16:36] The identity shift from debt payoff to wealth building [20:46] Hypervigilance vs. healthy financial responsibility [23:12] Money isn't the only currency — bartering and community [27:35] Giving yourself permission to enjoy what you've built [31:36] What people assume disappears at a high income [33:12] Earning money vs. feeling financially free [36:41] How motherhood changed her relationship with risk [41:27] Why "working harder" isn't the answer [45:22] Generational wealth requires generational healing [45:48] Defining what "enough" actually means [50:04] The financial story she's not passing down to her kids [52:05] Therapist, coach, or both? How to know it's time [55:01] Where to find Jacent + her free resources KEY TAKEAWAYS: → There is no dollar amount that automatically makes you feel safe. Safety is a skill you build by defining what it actually means to you, then reminding yourself of the evidence daily. → Paying off debt and building wealth require completely different strategies, so expect an identity shift, not a straight line. → First-gen and immigrant money lessons often center on survival (save, save, save), but the next generation gets to honor that sacrifice while also learning to invest and take calculated risks. → "Working harder" has a ceiling. Without clear milestones, you're working toward nothing measurable, and you cap yourself out of passive income, leadership, and building beyond yourself. → Generational wealth requires generational healing. Building wealth for your lineage means facing what your ancestors couldn't, which is part of why the work feels so heavy. → Defining "enough" starts with a baseline (physical safety, no food insecurity, a cushion if something goes wrong) and everything past that is a bonus, not a requirement. CONNECT WITH JACENT: Instagram: https://www.instagram.com/JacentWamala Website: https://wamalawellness.com 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/yoquierodineropodcast 🎥 YouTube: https://www.youtube.com/@yoquierodineropodcast 🎵 TikTok: https://www.tiktok.com/@yoquierodineropodcast Hosted on Acast. See acast.com/privacy for more information.

If you've ever stayed calladita when you should've spoken up, this episode is your permission slip to stop. This week Jannese sits down with Hady Mendez — bestselling author of Calladita No More, speaker, and leadership coach — to talk about what happens when you finally decide to use your voice. They get into Hady's corporate STEM career, the promotion that got away, the negotiation that made her a director overnight, and the real, unfiltered story of betting on herself by moving to Madrid in her 40s. This one's for every mujer who's tired of playing small. WE GET INTO:  1:06 – Welcome & living in the "f*ck it 40s" 1:50 – Hady's origin story: wanting to be a writer 3:03 – Growing up in a traditional Puerto Rican household 4:15 – From social worker dreams to computer science and Accenture 4:55 – Advice for parents raising kids with "unstable" dreams 9:39 – Unpacking the "calladita" messaging from her mom 12:17 – The moment staying quiet started costing her 13:31 – The "Chad" story: watching someone else get promoted 18:20 – What self-advocacy actually looks like 19:57 – The negotiation that made her a director overnight 23:57 – The "brag sheet": self-promotion without bragging 26:45 – Navigating the "difficult Latina" stereotype 32:36 – Leaving corporate: the layoff that led to entrepreneurship 35:07 – One year of Calladita No More: reader reactions 37:19 – The decision to move to Madrid 43:32 – Microaggressions and advocating for herself abroad 50:16 – Rapid fire questions + where to find Hady KEY TAKEAWAYS:  → Staying "calladita" has a cost — missed promotions and raises add up over time → The first offer is never the final offer, in salary negotiations or in life → Self-promotion isn't bragging — if people don't know what you've done, they can't trust you with more → The "difficult Latina" stereotype is real, but it's not a reason to stop speaking up → Career paths don't have to be linear to be successful → Community — not just individual grit — is what reminds you who you are CONNECT WITH HADY: 🌐 Website: https://www.boldlyspeakingllc.com  🤝 Instagram: https://www.instagram.com/calladitanomorebook  📚 Subscribe to Hady’s Substack: https://hadyunfiltered.substack.com/subscribe  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/yoquierodineropodcast  🎥 YouTube: https://www.youtube.com/@yoquierodineropodcast  🎵 TikTok: https://www.tiktok.com/@yoquierodineropodcast  Hosted on Acast. See acast.com/privacy for more information.

Let's talk about the conversation that sends me over the edge every single time: the gender pay gap, and what it REALLY costs women of color. This week I'm joined by Jocelyn Frye, President of the National Partnership for Women & Families, to break down what's actually driving the gap (spoiler: it's not "women's choices"), why the national averages hide what's happening to Latinas and Black women specifically, and what policy changes could put real money back in our pockets. We get into the wealth gap math (we're talking a MILLION dollars over a career, mi gente), the motherhood penalty, why DEI rollbacks are making things worse, and what you can actually do right now if you find out you're getting paid less than your coworker. WE GET INTO: 00:00 — Intro: Why we're still talking about the pay gap in 2026 02:15 — What are we actually measuring when we say "pay gap"? 04:17 — Debunking the "it's just women's choices" myth 06:37 — The real numbers: 76 cents, 54 cents, and what the average hides 08:24 — Why education alone doesn't close the gap 10:35 — The unpaid care work baked into how workplaces are built 11:47 — The wealth gap: what losing $900K–$1M actually looks like 13:23 — Finding power in a hopeless-feeling conversation 16:27 — The motherhood penalty, explained 19:46 — Why so many moms are choosing entrepreneurship instead 20:38 — Black and Latina moms as breadwinners 22:40 — Do salary transparency laws actually work? 23:57 — What to do if you find out you're underpaid 26:28 — How DEI rollbacks are showing up in real workplaces 30:24 — The "trad wife" pushback and what it means for women's choices 35:06 — Jocelyn's 3 policy wishes for women's financial security 37:17 — State level wins and what's next 39:54 — Grounding policy in your actual paycheck 43:15 — What you can do right now, no Congress required 48:00 — What gives Jocelyn hope 51:23 — How to support the National Partnership for Women & Families KEY TAKEAWAYS: → Latinas earn closer to 54 cents for every dollar paid to men, and the gap widens further when you break it down by race and part-time status. → Education alone won't close this gap; the same degree, same experience, and there’s still a pay gap. This is systemic, not individual. → Black women lose an estimated $900K over a 40 year career because of the pay gap. For Latinas, that number can hit $1M. → Motherhood changes everything financially. Moms who step out of the workforce to care for kids come back behind, and most never fully catch up. → Caregiving is invisible labor with a real cost. Workplaces were built around a male default that assumes someone else, usually women, will handle caregiving for free. → DEI rollbacks aren't just political theater, they're making it "safer" for employers to avoid hiring women and people of color, and harder to document discrimination at all. → Salary transparency actually works. Posting pay ranges and banning salary history questions closes gaps faster than you'd think. → You have options if you find a pay gap. Document it, talk to HR, and know that local civil rights and know your rights organizations exist for exactly this. → State policy is already working. Comprehensive paid leave, universal pre-K, and childcare caps are already law in some states, and they're the blueprint for what's possible nationally. CONNECT WITH JOCELYN: 🌐 Website: https://nationalpartnership.org/  📸 Instagram: https://www.instagram.com/NPWF  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/yoquierodineropodcast  🎥 YouTube: https://www.youtube.com/@yoquierodineropodcast  🎵 TikTok: https://www.tiktok.com/@yoquierodineropodcast  This episode was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

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 money 03:39 — "Echale ganas": the origin of Ganas Ventures 05:51 — From USC to big tech: IBM, Cisco & finding her "tribe" 07:45 — The interview series that introduced her to venture capital 09:12 — Breaking into VC and building her own fund 10:25 — Representation in venture & the Siete Foods story 11:37 — What venture capital actually means, no jargon 13:23 — VC vs. lotto tickets: the real odds 14:24 — What makes a business "venture backable" 15:01 — Bootstrap vs. raise: the Calendly story 17:11 — Why full control means skipping VC money 18:50 — Crowdfunding and other accessible ways to invest 19:20 — What is an accredited investor (and how to become one without the income) 22:07 — The risk of taking money from unaccredited investors 24:51 — Bias, pedigree, and the double standard for founders of color 31:25 — How to actually get started as an investor 34:03 — Angel checks vs. VC checks: how much you really need 35:03 — Overcoming imposter syndrome & belonging in venture 36:24 — The size of the Latino economy & rising unicorn founders KEY 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/yoquierodineropodcast YouTube: https://www.youtube.com/@yoquierodineropodcast TikTok: https://www.tiktok.com/@yoquierodineropodcast Facebook: https://www.facebook.com/yoquierodineropodcast Website: https://yoquierodineropodcast.com This episode was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

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 Confession 02:20 The Accidental Business Origin (2019) 04:49 Celebrating Early Wins: The $144K Milestone 07:14 From $125 to $50K Brand Deals 09:37 The Discomfort of Outgrowing Her Old Self 10:21 Fear of Becoming Unrelatable 12:44 Struggle vs. Success in Latino Community Narratives 15:08 Family Side Comments and Feeling Like an Outsider 17:25 Committing to Radical Transparency 19:40 Why Latina Wealth Visibility Matters 21:54 Hope Over Guarantee: What This Show Is For 24:22 Honoring Every Version of Herself 26:48 Reconnecting With Her New Self as a Mom 29:10 Outro: Create & Cultivate Festival + Sign Off KEY 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 mom 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/yoquierodineropodcast  🎥 YouTube: https://www.youtube.com/@yoquierodineropodcast  🎵 TikTok: https://www.tiktok.com/@yoquierodineropodcast  Hosted on Acast. See acast.com/privacy for more information.

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 Cycles 2:15 Leslie’s Parenting Journey 6:58 Parenting with Compassion Under Pressure 18:11 Why La Chancla? Reclaiming a Cultural Symbol 24:51 Setting Boundaries in Multigenerational Families 35:36 Reparenting Yourself 44:39 Healing When Parents Won’t Take Accountability 45:39 Scarcity, Money & Self-Worth 49:15 Raising Kids to Question Authority 56:46 Building Self-Worth & Emotional Safety 1:03:28 A New Vision for Latino Family Healing 1:07:22 Where to Find Leslie & the Book KEY 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/yoquierodineropodcast YouTube: https://www.youtube.com/@yoquierodineropodcast TikTok: https://www.tiktok.com/@yoquierodineropodcast Website: https://yoquierodineropodcast.com This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.  Hosted on Acast. See acast.com/privacy for more information.

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 it 04:36 – How backstage confessions became a book about 10 taboos 09:31 – Corporate polish vs. real authenticity 11:56 – Cultural rules around what emotions are "acceptable" 16:10 – The two conflicting rules about money 19:20 – "Thermal equilibrium": the cold rooms in our families 21:06 – "White people problems" and the guilt of making more money 24:26 – Becoming the villain of the family story 27:32 – No contact vs. the hard conversation 31:33 – Gratitude vs. losing your ambition 34:04 – The hardest chapter to write: her mom 40:00 – Why the book releases in English and Spanish the same day 41:59 – What women should feel comfortable saying out loud 44:14 – Pay transparency and speaker rate shame 47:09 – Fill in the blank: what makes Latinas financially unstoppable 50:30 – Where to find Denise, the film, and the book KEY 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 both CONNECT 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/yoquierodineropodcast YouTube: https://www.youtube.com/@yoquierodineropodcast TikTok: https://www.tiktok.com/@yoquierodineropodcast Website: https://yoquierodineropodcast.com This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

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 today 0:00 – Business update: Sales Without Social launch recap 4:54 – New digital products program (coming soon) 7:15 – Financially Lit Club school community + the $75K challenge 11:50 – Rich Mommy Retreat: Costa Rica, Nov 2–5 15:17 – Personal health update: GLP-1, HRT, and 50+ lbs lost 17:41 – Perimenopause, chronic illness, and Latino community health gaps 22:21 – Is Nara Smith a trad wife? 26:40 – Am I the A*****e: the $300/month "daughter dividend" 35:17 – The OpenAI creator brand trip backlash 39:46 – The common thread: money, power, and image 42:12 – Ways to work with Jannese + closing KEY 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 budgeting EPISODE 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/yoquierodineropodcast YouTube: https://www.youtube.com/@yoquierodineropodcast TikTok: https://www.tiktok.com/@yoquierodineropodcast Website: https://yoquierodineropodcast.com This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

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 path 03:26 – Being "the only" Latina in the room 05:29 – Learning corporate chess: playing the game on her own terms 07:12 – Imposter syndrome and the nitpicking that wears you down 09:05 – From receptionist to sales: Jessica's career trajectory 11:46 – The $50K retention bonus — and the promotion that never came 17:33 – Betting on herself: leaving corporate to coach full-time 21:23 – Building the BRAVE Method 26:09 – Burnout as a "badge of honor" 28:32 – Redefining success in the Latino community 30:41 – Judgment, boundaries, and who gets to stay in your life 33:57 – Confidence, courage, and owning your voice 36:23 – Why women's emotions are a leadership superpower 41:32 – Chasing who you're becoming, not just the goal 45:16 – Living a full life: family, love, and what's next 47:41 – Jessica's Puerto Rico retreat, resources, and the standard she refuses to lower KEY 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/yoquierodineropodcast YouTube: https://www.youtube.com/@yoquierodineropodcast TikTok: https://www.tiktok.com/@yoquierodineropodcast Website: https://yoquierodineropodcast.com This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.  Hosted on Acast. See acast.com/privacy for more information.

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 Ray 02:03 Ray's construction background (his dad and grandfather taught him everything) 09:41 Why they sold the Puerto Rico condo to fund this 12:50 Finding the house: the comps, the negotiation, closing at $140K 19:21 Inspection day: the good, the bad, and the roaches 24:17 The full renovation scope, room by room 34:04 The real numbers: budget, target sale price, profit margin 38:59 How they split roles: the LLC, the credit card, the labor 45:10 Keeping the flip from taking over the marriage 47:44 Rapid fire: who's most likely to... 51:27 Plan B if it doesn't sell 54:42 Final thoughts: budgeting for the unexpected KEY 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 terrifying 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/yoquierodineropodcast YouTube: https://www.youtube.com/@yoquierodineropodcast TikTok: https://www.tiktok.com/@yoquierodineropodcast Website: https://yoquierodineropodcast.com This 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.

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 it KEY 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 language CONNECT WITH KRYSTAL: Buy The Block PR Website: https://www.buytheblockpr.comBuy The Block PR Instagram: https://www.instagram.com/BuytheblockPR TAKE 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.