Andrea Ramos

Latina Investors

Latina Investors is a personal finance & investing podcast for first gen WOC. We cover topics ranging from money management, saving, investing, leveraging debt, side incomes, entrepreneurship & more! The aim of the podcast is to empower more first gen WOC to learn how to make their money work for them...in a ways that specifically caters to their story. My hope is that this podcast helps WOC tap into all that is possible when they have a deep knowledge & understanding of your money.

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Autor

Andrea Ramos

Kategoria

Education

Strona podcastu

podcasters.spotify.com

Ostatni odcinek

16 paź 2026

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Odcinki

204. From Surviving to Thriving: Career and Money Strategies for First Gen Women of Color with Jessica Lynn Rojas 16.10.2026

In this episode, I sit down with Jessica Rojas, leadership and career coach for first gen women of color, for a conversation that goes deep on the money and career patterns our community carries without even realizing it. ➡️ The immigrant grit that rebuilt entire lives in new countries. ➡️ The "put your head down and work hard" advice that felt like protection. ➡️ The way saving every dollar felt...

204. Cash Machines vs Wealth Machines 08.10.2026

Register for my free training: https://calendly.com/buildinggenwealth/firstgen

202. Passive Income vs. Passive Growth: What First Gen Women Need to Know About Investing 01.10.2026

You've been hearing about passive income for a while now. You want it. You've looked into it. And somewhere between the real estate reels and the digital download courses and the stock tips that promise you monthly cash flow, you got confused about what's actually real. *Is this legit? Is this what I actually have to do? Why does everyone make it sound so easy?* This episode is the hon...

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

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...

200. Why Learning How to Spend Is the Real Key to Building Wealth 11.09.2026

📈 Free Training Register Here You 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 syste...

199. How to Start Building Wealth: The 3 Stages Every First Gen Woman Needs to Know 03.09.2026

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...

198 Retirement vs. Investing: What's the Actual Difference (Roth IRA, 401k, Brokerage Accounts Explained) 28.08.2026

"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 paren...

197. Upgrading From Survival To Building Wealth with Jelanny Ramirez Pavon [1:1 Client Interview] 20.08.2026

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...

197. The Most Powerful Wealth Building Tool 18.08.2026

Register Here: https://calendly.com/buildinggenwealth/100k-portfolio-aug

196. Invisible Loss 13.08.2026

FREE INVESTING TRAINING: https://www.bgwprograms.com/registration-page You 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 d...

195. Easy Money: How First Gen Latinas Can Build Passive Income Through Investing 06.08.2026

FREE INVESTING TRAINING: ⁠https://www.bgwprograms.com/registration-page If 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 HA...

194. The Identity Shift That Comes With Paying Off Credit Card Debt [Debt Payoff Series, Pt. 5] 30.07.2026

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 e...

193. How This First Gen Latina Traveled to 42 Countries with Bianca Alba from This Latina Travels 28.07.2026

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 cou...

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

"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...

191. The Cash Rule That Changed How I Manage Money 23.07.2026

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 bre...

190. I Didn't Know I Had a Debt Ceiling Until I Almost Hit It [Debt Payoff Series, Pt. 3] 16.07.2026

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...

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

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...

188. How Maternity Leave, a Business Slump, and Avoidance Turned Into $13K of Debt [Debt Payoff Series, Pt. 1] 09.07.2026

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...

189. What To Do First When You Feel Like You're Drowning In Debt [Debt Payoff Series, Pt. 2] 09.07.2026

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 l...

186. Why "Can I Afford It?" Is the Wrong Question to Ask Yourself [A Real Money Check-In Story] 11.06.2026

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 confirmatio...

185. 3 Reasons Your Money Still Feels Tight Even When You're Making More 04.06.2026

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 dec...

184. Roth IRA vs 401k: How To Use Both to Build A Comfortable Retirement 28.05.2026

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 w...

183. Why First Gen Latinas Struggle to Ask for More And How to Change That With Career Coach Evie Prete 27.05.2026

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...

182. The Difference Between Saving Money and Strategically Building Wealth 21.05.2026

You are saving every month. But somehow it still feels like you are not really getting anywhere, and you are not sure what you are missing. If you grew up with the message that saving money was the goal, you probably nailed it. You figured out how to put money aside. You built up your savings. And now you are wondering why it does not feel like wealth. In this episode, Andrea breaks down the diffe...

180. How Janely Went From Paycheck to Paycheck to $26K Net Worth Growth 14.05.2026

You have been paying your bills on time. You have a savings account. You are not struggling in the way you grew up watching your parents struggle. But you still get to the end of every paycheck and think — where did it all go? And if that question makes you feel a little ashamed, a little stuck, or just tired of not knowing — this episode is for you. I am sitting down with Janely, a 1:1 client who...

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