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.

Author

Andrea Ramos

Category

Education

Podcast website

podcasters.spotify.com

Latest episode

Jul 9, 2026

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Episodes

140. The Link Between Your Voice and Your Net Worth: Why Speaking Up Builds More Than Confidence with Daisy Lopez 16.09.2025

In this episode, I’m joined by Daisy, founder of The Liberated Latina , to talk about the connection between voice, identity, and wealth. Whether you're an entrepreneur or in your career era, your voice is one of your most powerful (and underrated) financial tools. You’ll learn: ✅ How generational silencing impacts your career and money decisions ✅ What “vocal activation” actually is—and how it...

139. The First-Gen Guide to Saving, Investing, and Paying Off Debt in the Right Order 11.09.2025

If you're first gen, building wealth isn’t just about you. It’s about your family. Your parents who might not have retirement accounts and your kids you want to set up for success. In this episode, I break down my 2-part money roadmap for first gen wealth builders: how to protect yourself first (without shame), and how to grow wealth that supports your family’s future too. You’ll learn: ✅ The exa...

138. Debt Neutrality with Gina Knox 09.09.2025

Feeling stuck in shame about past money decisions—especially around debt or business investments? You’re not alone. In this episode, I sit down with business money coach and entrepreneur Gina Knox to talk about the mindset shift that changed everything: debt neutrality. You’ll learn: ✅ What debt neutrality actually means (and how it’s not just ignoring debt) ✅ How she recovered from a $10k inves...

137. Where to Put Your Money So It Actually Grows 04.09.2025

In this episode, I break down exactly where to put your money to make it work for you, not just sit in a savings account. I share how I used different accounts to generate over $10K in passive income and why learning to invest is one of the most powerful skills first gen women can learn. You’ll learn: ✅ The difference between “just saving” vs. actually growing your money ✅ Which accounts to open...

136. 3 Skills You Need to Build Wealth on Any Salary 28.08.2025

Ever feel like money is always stressful — no matter how much you’re earning? In this episode, I break down the 3 essential money skills that have helped me feel financially secure, even when I was making $22k a year. Whether you're just starting out or already earning more, these are the skills that change everything. You’ll learn: ✅ Why saving is a skill (not just a discipline) — and how to...

135. Retiring 10 Years Earlier with Maria Lopez [1:1 Client Interview] 26.08.2025

Today, I’m joined by my long-time client and fellow first-gen Latina, Maria Lopez. Maria first came to coaching as a dedicated saver focused on security and survival, but in her second round of 1:1 coaching, she set her sights on something even bigger: retiring early. In this episode, you’ll learn: ✅ How Maria Lopez shifted from saving out of necessity to investing with purpose and intention. ✅...

134. The One Paycheck Habit That Changed My Entire Money Journey 21.08.2025

I was able to save money even when I was only making $22,000 a year —and it all came down to one powerful habit: sending my money to the right places as soon as I got paid . That simple shift changed everything in my wealth-building journey, and it’s a system I still use today. In this episode, you’ll learn: ✅ How to effectively allocate your paycheck to cover both your living expenses and your l...

133. What To Do When You Feel Behind With Money 14.08.2025

In this episode, we dive into the feeling of being behind as first gen. We talk about the weight of it and go into ways to flip the script of your financial journey to make things feel lighter. We talk about: ✅ The powerful mindset shifts that helped Andrea overcome the scarcity mentality and take control of her finances. ✅ Why understanding your unique first gen circumstances can free you from...

132. Why I’m So Confident I Won’t Lose Money Investing 07.08.2025

Most people think investing means picking a random stock and hoping it goes up. But that's not the case at all. In this episode, Andrea breaks down the different types of investors (day trading, stock picking, options trading) and explains why you don’t have to invest in ways that are risky...especially when you're just starting out. You’ll learn: ✅ The safer investing strategy backed by...

131. How I Use My Brokerage Account vs My Roth IRA 31.07.2025

If you’ve ever wondered what the difference is between a Roth IRA and a brokerage account (and which one to start with) this episode breaks it down in a simple way. Andrea shares her personal investing journey as a former saver who opened a Roth IRA first… then realized she needed more than just retirement investing to build wealth. You’ll learn: ✅ What a Roth IRA actually is (and why it’s often...

130. “I'm My Parents’ Retirement Plan”: 4 Ways To Support Your Parents Without Sacrificing Your Own Goals 15.07.2025

As a first gen professional, it’s not just your future you’re planning for, it’s your parents’ too. If you’ve ever felt the pressure of being “your parents retirement plan,” this episode is for you. In this episode, we cover: ✅ How to get clear on what support actually looks like (so you can plan for it strategically) ✅ The #1 thing to do before you start creating a plan for them ✅ How to use i...

129. Mortgages 101: How to Pick the Right Mortgage as a First-Time Buyer 25.06.2025

If you’re a first gen homebuyer starting your journey, this episode breaks down exactly what a mortgage is—and how to choose the best one for your financial situation. You’ll learn: What a mortgage really includes (spoiler: it’s more than just the loan) The 3 most common types of mortgages: Conventional, FHA, and VA/USDA loans The difference between PMI and MIP—and why it matters How to compare ba...

128. How to Find the Right Realtor (and How They Get Paid) 25.06.2025

 Choosing the right real estate agent can make the process smoother, less stressful, and more financially aligned with your goals—especially as a first-gen. You deserve someone who will advocate for you , not just close a deal. In this episode of the First Gen Home Buyer Series , we break down: The difference between a buyer’s agent and seller’s agent How realtors actually get paid (and why it mat...

127. How To Prepare Your Credit To Get The Best Interest Rate 25.06.2025

Want the best possible interest rate when you buy your first home? It starts with your credit score. In this episode of the First Gen Home Buyer Series , I break down exactly how your credit impacts your mortgage and the simple steps you can take now to improve it. You’ll learn: What credit score you actually need to qualify for a mortgage The difference between FHA and conventional loan requireme...

126. How to Save for a Down Payment (While Putting Your Money To Work) 18.06.2025

You don’t need to save every dollar in cash to buy a home. In this episode, I’ll show you how to build your down payment with a blend of saving and investing so you can reach your goal faster without risking your money or pausing your wealth building. We’ll cover: How much you really need for a down payment (hint: not always 20%) The difference between short-term saving vs. mid-term investing How...

125. 3 Steps to Determining Your House Budget (So You Don’t End Up House Poor) 18.06.2025

Before you start searching for a house, there’s one question you need to answer: how much house can I actually afford while continuing to build wealth? In this episode, I’ll walk you through 3 key steps to determine your home budget based on your lifestyle, not just what the bank says you qualify for. Because the goal isn't just to buy a house. It’s to afford it comfortably and still build wealth....

124. Renting vs. Buying: How to Know If You’re Actually Ready to Own a Home 18.06.2025

Thinking about buying a home can often feel like the “next step”... In this episode, I break down how to know if you’re really ready to own, and why renting isn’t throwing money away. I share the real numbers from my own home purchase, including equity gains vs. hidden costs like taxes, repairs, and maintenance. You’ll learn: What it actually costs to own a home Why homeownership is not always the...

123. First Gen Home Buyer Series 18.06.2025

Thinking about buying your first home but feel overwhelmed by where to start? This episode kicks off the First Gen Home Buyer series created specifically for first-gen women of color navigating the home buying process for the first time. I’ll share what makes this journey so different for first gen, what to expect in the upcoming episodes, and why buying a home isn’t just a financial decision, it’...

122. Why Building Wealth Is an Act of Resistance for First-Gen Latinas 17.06.2025

In this episode of Latina Investors , I’m breaking down why building wealth is an act of resistance —especially for first-gen Latinas navigating family responsibilities, cultural expectations, and systemic barriers. I share my personal story of waking up to the limits of the so-called “American Dream” and what it really takes to create financial freedom as a first-generation immigrant. You'll...

I'm Back From Maternity Leave! 10.06.2025

I'm back to making episodes on here. Excited to be back!

Postpartum Diaries: Adjusting To Mom Life 10.06.2025

In this episode, I share my experience as a first time mom and my third and fourth week having my baby home.

Postpartum Diaries: Feeding Journey 10.06.2025

In this episode, I share my experience as a first time mom and my second week having my baby home.

Postpartum Diaries: Bringing Our Baby Home 10.06.2025

In this episode, I share my experience as a first time mom and my first week having my baby home.

121. Postpartum Diaries: My Birth Story 21.01.2025

In this episode, I share my birth story. This isn't money or financial related. This is just me wanting to share and document my transition and journey into motherhood. If you're looking for a 2025 Budgeting Template, click here

120. 5 Lessons From My First $100k Year 17.12.2024

In this episode, I share 5 lessons that helped me make my first $100k in business. If you're someone who wants to start a business, wants to go full time in business or is pursuing a big goal...this episode will be helpful. I'm sharing the biggest mindset shifts I had to make in order to hit my 2024 revenue goal. Mini Course: ⁠"Am I On Track To Retire Comfortably?!" Mini Course

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