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

#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...

#33: For years, I held onto my JCPenney credit card because I was afraid of what would happen to my credit score if I closed this account. After lots of reflecting, I decided that I was too abundant to hold onto this card (that I only used when they threatened to close due to inactivity) solely because of fear. Entonces que paso? Pues amiga, you'll have to tune in to find out. See you in the show!...

#30: If you just kept going - you'd WIN. No comparing yourself to Fulano y Mengano. No 'shouldn't I have X, Y, Z by now'? Just FULL BODY FAITH that you are that GIRL. That gets things done, that executes. In this episode, I talk about what I learned by running my very first half-marathon with minimal training. Trusting Yourself Staying in Your Lane Focusing on the Long Term Comfort with Discomfort...

#29: The top expenses in yo life are: 1. your mortgage/rent payment 2. the food you eat (including fast food) 3. YOUR CAR PAYMENT I made an impulse decision to buy a NEW car (literally I drove it off the lot with 8 miles on it) and that decision rippled into me tripling my loan size and me still paying off that car 6 years later. Tune in to hear how in the heck this happened and would I would do d...

#28: Do you care about the planet and about where your money goes? Well friend, I've got JUST the episode for you. In this episode, I outline 7 eco-friendly gift ideas that are thoughtful, are kind to mother nature , and that will have you feeling proud of your purchasing decisions at the end of the holiday season. Plus I outline some eco-friendly tips like: Stop being a people pleaser when gift g...

#27: Black Friday hunger games is upon us. Are you ready, amiga? My 3 step process to shopping SMART this Black Friday: Acknowledge: acknowledge that you're about to be INUNDATED with sales you may not need. Pause, and consider if you really need the thing OR if you're experiencing darn good marketing. Plan: Make a list of items/experiences you need and value and a general budget for it. This'll h...

#26: In this episode, I share my journey with food stamps as a child and again as an adult. I also talk about how some people are worried about the WRONG things! With wealth inequaity at an all time high, we need to shift our focus to the rich NOT on what people have in their grocery carts. The filthy rich? Yeah, they have ISSUES. But, can we replicate the wealth building strategies of some to rec...

#25: After paying thousands in credit card interest, I vowed to never pay CC interest again if I could help it. So, I became a busgirl to upgrade my old iPhone 6 because amiga, I did NOT have the 1k cash to buy it. Tune in to listen to the second weekly episode of the 'Q4 Lock-in Challenge'. And let me know what I should talk about next on Instagram @moneyformujeres or e-mail mariel@moneyformujere...

#24: Sometimes, we just don't have enough money. This episode is a BTS into the day to day money decisions we often face. Balancing enjoying life with saving for the future can be difficult, especially when you dream of bigger, better, and brighter. In this episode I share about all the fun things I want to do, pero pues no me alcansa bc la verdad. See you in the show! ⭐️RESOURCES⭐️ 💸 Work 1:1...

#23: You can afford anything, but not everything -Afford Anything podcast Throughout my 20s, I stayed at my low paying jobs because I wanted the flexibility they gave me. But, my refusal to get a 'big girl job' kept me broke. Worse, it kept me from see the bigger issue: I didn't think I could earn more money. If you've ever wondered, 'Why haven't I made more money in my career?', this episode is f...

#22: Are you actually underpaid or do you just not believe that you can make more money?💸 As someone who grew up watching my parents work 2 jobs to make ends meet, I grew up thinking I had to do the same. These unchecked beliefs kept me broke for far too long. Additionally, the fact that I was already breaking cycles - like being the first to graduate college, being the first to fly international...

#21: What does it mean to 'fail' at something? And is 'failing' even a bad thing? Tune into this unscripted, unedited podcast episode to hear: How the '10k in 20 days challenge' came to be How it went What happens next GOAL UPDATE: $5,500/$10,000 REACHED. Learning and being inspired through stories is my favorite, so I hope my experiences moves you to do something BOLD. See you in the episode! Mar...