Money Mindset and Personal Finance for First Gen Latinas: Ching@ Tu Money®

59: I want my money back! End of story. See you in the show! ⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️ 💸 My Partner Makes 2x More Than Me. Here's How We Split Expenses 💸 How to Stop Underearning And Make More Money 💸 If You’re A Latina, It’s Time To Invest. No More Excuses. 💸 How to Break Free from the Money Story Holding You Back ⭐️RESOURCES⭐️ 💸 Work 1:1 With Mariel 💸 Subscribe...

58: In the dating world, we ask all types of questions to make sure values our aligned. We talk religion, politics, kids... so, why not talk money? Tune in to hear the types of questions I asked potential boyfriends to ensure money values were aligned. After living in scarcity for 28 years, I was no longer willing to just *HOPE* it all worked out. See you in the show! ⭐️⭐️RELATED PODCAST EPISODE...

57: I'm credit card debt free BUT I had a leg up getting there. Tune in to hear how the COVID pandemic boosted my financial goals. TQ, amiga! ⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️ 💸 How To Strategically Pay Off Debt In a Way That is Best For Your Financial Situation 💸 Car Loan Regret: My Biggest Money Mistake 💸 I Closed a 10 Year Old JcPenney Credit Card ⭐️RESOURCES⭐️ 💸 Vertex Debt Payoff Cal...

56: I am a business owner and I teach women how to build wealth..so.. why is my networth 'only' 9k? (September 2026) In this episode, i share my raw networth number. While I've never lied about or omitted my networth, I've never publicly shared this particular number! Spoiler Alert: I carried a negative networth for so long, so being in the POSITIVE is something I'm celebrating. And friend, it's b...

#55: I believe that most servers should receive a 20% tip. And if you don't tip MOST of your servers that, I'm low key judging you. Tune in to find out why! ⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️ 💸 How to Break Free from the Money Story Holding You Back 💸 How to Stop Underearning And Make More Money 💸 If You’re A Latina, It’s Time To Invest. No More Excuses. ⭐️RESOURCES⭐️ 💸 Work 1:1 With Marie...

#54: Cooking is a BASIC life skill. So like, why aren't you doing it? In this episode, I confess that my 'not knowing how to cook' has cost me thousands. I also share how it negatively impacts my relationship. Housing, food, and car costs are the top 3 expenses for most people. If like me, you aren't cooking yet, you may want to listen to this episode. See ya in the show! ⭐️Recommended Podcast Ep...

#53: Let's be real. Sometimes things are priced WAAAAAY higher than we thought they would be. I used to scoff and say, 'I can make that myself'. (and honestly, sometimes I still do **side eye emoji**) Is this you too, amiga? Tune in to hear the reason why I no longer scoff at prices set by a business. (However, I do still decide whether I'm willing to prioritize it). See you in the show! ⭐️FREE I...

#52: Is your friend group right for you? If not, I've got some serious recommendations. Tune into this episode to: Learn WHY your circle is your ceiling and where to go if you need a virtual one Hear life updates Learn what to expect from Ching@ Tu Money® for the next 2 months See you in the episode! ⭐️RESOURCES⭐️ 💸 SAN ANTONIO: Money Happy Hour TOMORROW 8/5. 💸 Work 1:1 With Mariel 💸 Subscrib...

#51: With limited money and a ton of money goals, what do we target first? In this episode, Andrea Ramos of Building Generational Wealth shares her framework for creating your financial safety net. Tune in to hear why paying an extra $6,000 of interest may just be the greatest decision you ever made. ⭐️RESOURCES⭐️ 💸 Follow Andrea on Instagram 💸 Latina Investors Podcast 💸 Retire on Time REPLAY...

#50: Get in loser, we're investing in the stock market. It's time. ⭐️RESOURCES⭐️ 💸 Retire on Time Workshop Replay 💸 Follow Mariel on Instagram ⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️ 💸 5 Reasons to Invest Even If You Have Little Money 💸 If You're a Latina, It's Time to Invest. No More Excuses. Want more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformuje...

#49: Student Loan Planner just came out with a new podcast episode called 'RAP Strategies 2.0' and I want you to go listen to it. DISCLAIMER: Only YOU know what's best for you. Trust but ALWAYS verify. See you in the episode! ⭐️Student Loan Resources⭐️ 💸 Rap Strategies 2.0 by Student Loan Planner 💸 Repayment Assistance Plan by Student Loan Planner 💸 Student Loans Post - July 1 by Student Loan...

#48: The new student loan repayment plan is OUT! But, it may not be all its cracked up to be. In this episode I break down why the Repayment Assistance Plan was NOT for me. DISCLAIMER: I am not a student loan expert and this is not advice. 'RAP' can be a solid plan for some people, but it was not for me. Always do your due diligence when making personal financial decisions. In this episode I discu...

#47: Do you have a 'regular' savings account? Earning pennies on your savings? OR do you have a high yield savings account? Where you get the most bang for your buck? Opening a 'high yield savings account' was step #1 in my journey to financial peace. Don't ignore this foundational account. In this episode I share: What a 'HYSA' even is. 3 tactical reasons you need one too The 1099-INT form most p...

#46: Stop getting off the stage before others have a chance to see you perform. A lot of times we tell ourselves NO before even bothering to ask for what we want. (pinche miedosa) In this episode, we talk about the importance of COMMITTING to something with your chest, even when you're scared. Commit to the process, not just the outcome, and you will win. We talk about shaking things off EVEN when...

#45: When's the last time you thought about menopause? 💸 For me, it was 'I don't really think about it'. Until, I met the founder of a community organization called 'Menopause Mijas'. In this episode, founder Kristy Ward breaks down perimenopause, menopuase, and post menopause - including symptoms and emotional impact Then, we talk personal experience, advocating for yourself, community support y...

#44: How can you possibly go after more if you don't even know that there is more? That was my life for a long time friend. Hustle to survive. Autopilot. Rinse and repeat. Until I finally asked myself, 'Is there another way to get through life?' Tune into this keynote replay to learn about the moment I realized... there was more (a lot more) for me in the world. Then, join me in going after what w...

#43: Everyone says to 'reduce your expenses', but you can only cut so much before you're miserable Instead of tracking every single expense to the penny (or extreme coupon-ing), focus on reducing costs for 3 things: Housing Transportation Eating out/fast food BONUS (and most importantly): When reducing expenses STILL doesn't work, amiga, I'm not saying it'll be easy, but it may be time to earn mor...

#42: Not the government wanting the money I owe them *eye roll*. If you have outstanding student loans and you aren't sure how to tackle them - ME TOO! UPDATE: I did NOT enroll in the new 'RAP' plan due to 3 major reasons. Add episode #48 to your queue to learn why This student loan episode WON'T solve your student loan dilemma, but it will: give you #solidarity (You aren't alone, friend!) talk ab...

#41: I walk too fast, eat too fast, and am addicted to social media. I need REST, and if you're reading this, you do too. But.... how do we 'find the time' for it? In this episode, I share with you a 3 part framework that will help you find the time for rest. I also touch on: the importance of slowing down urgency as a habit dopamine addiction a one minute silence test You are in charge of your li...

#40: Given that my boyfriend pays for a lot of our shared expenses - I often wonder, 'Am I financially abusing him?' I don't wonder it jokingly. He has shared with me that in the past, he experienced some financial abuse (including financial infidelity). I love my boyfriend and I respect his money. But, some of the behaviors he describes from his past sound a bit like the arrangement we currently...

#39: Money can be used as a tool, but it can also be a weapon. In this episode, we talk financial abuse: What it is Examples of what to look out for What to do if you feel you are experiencing it Why you shouldn't feel shame if it's happened to you Financial Abuse is the most important money topic I will ever talk about. Give this episode a listen, and then share it with a friend, co-worker, or lo...

#38: I don't have enough money to max out my Roth IRA this year. BUT I know that everything I invest will add up - even if its $10 a month In this episode I outline 5 reasons to invest EVEN if you have little money Because you can. Thanks to 'fractional shares' you can buy $10 of an investment at a time Starting when you have little money allows you to build the CORRECT investing habits Because it...

#37: Do you ever feel like you don’t want 'evil' companies to profit off you? Or like you could be more intentional with your money? But you don’t really know where to start? Same here amiga! This episode is a love letter from a newbie financial activist to another. Let me be clear: everyone can use use their money for good. It may feel like our small actions won't make a difference, but amiga, th...

#35: When I finally understood what 'investing' actually was, I RAN and opened an investment account But as the first investor in my family, I made a few mistakes along the way.... Tune in to hear: How I began investing (hello money happy hours!) 3 Mistakes I made as a beginner investor Where you can go to get educated on investing for retirement - responsibly Investing can feel complicated, but i...

#34: Being 'good' with money isn't a thing. And also, have you looked around lately? It's quite hard to exist #whyiseverythingsoexpensive Enough with the unproductive self-talk. Instead focus on the below Mindset: Stop saying 'I'm terrible with money', your brain will believe you. Instead try 'I get better with money every day'. Habits: When's the last time you audited your habits? e.g. Does tap t...