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

#20: Have you ever been made to feel like you couldn't do something? But low key, you knew that you absolutely could? In this episode, I share with you how the tech bros at my old corporate job are the reason why I built Money for Mujeres. Episode Highlights: I thought I couldn't do it so I said 'not for me' and gave up on it for 5 years Later I found out I COULD do it, and that it wasn't 'too com...

#19: Does taking the scenic route make us losers? No friend, it makes us present, joyful, and human. In this episode I share the reasons I'm going back to teaching after taking a year off to focus on my business. I considered 3 things: Financial stability Where I am relative to my long term goals + how I FEEL about where I am on the journey My partner and our well being as a couple This episode is...

#17: How do I save money if I have variable income? How do I know if I'm saving enough money to cover my personal expenses? This episode is for the person who has variable income and wants to plan ahead for the 'slow' months or no income months. Save money for slow months in 3 steps: Step 1: Calculate your bare bones budget Step 2: Open a High Yield Savings Account with a bank that is 'FDIC' insur...

#16: Do you and your partner split expenses in an 'equitable' way? Meaning, does the higher income earner pay more? In this episode, my partner of 2 years and I share how we manage money as a couple including, who pays for what, do we have joint bank accounts, does one pay more for 'fun' stuff and what happens when we have different POVs on spending? We talk about the shame that can come up when 1...

#15: Ever wonder why despite REALLY wanting to, and despite making a plan, and telling yourself over and over you'll do something, you just can't seem to make it happen? This episode is for the person who is done shaming themselves about it and who is READY to get to the root of why making a change is so hard. More specifically, it's for the person who is ready to take the action required to make...

#14: Business isn't ever what it seems💸 Social Media shows us the highlights - but what's REALLY going on behind the scenes? In this episode, I'm sharing with you my FOR REAL 2024 numbers. It's true friend, I spent way more than I made. I also share with you some BTS of the mindset work required to build something from the ground up. That scarcity mindset ya'll. It's a sneaky thing. I share with...

#13: What does financial abuse in families look like?💸 Can my own sibling inflict financial abuse on me? What about a cousin? A distant relative? The answer is absolutely. In this episode, I went to Reddit to share some real life examples of financial abuse in families. Financial abuse is a spectrum, it can be something small or something that takes 100% of control from an individual. Then, Justi...

#12: What does financial abuse in friendships even look like?💸 And why is it so hard to talk about money with friends? In this episode: I list some friend money red flags to look out for like being the ‘go to’ friend for money related things OR being pressured to spend more than you want to. Then, Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relat...

#11: Listen. Sometimes we just can't afford that thing that our friend/family wants us to do. And other times - we just don't want to spend our hard earned money there. How do we communicate our needs lovingly? And without pissing our loved ones off? Justine De Peralta, Certified Financial Education Instructor, Domestic Violence Counselor, and Author of ‘Girl, Jump: Building a Financial Safety Net...

#10: Financial Abuse can be hard to identify and is present in nearly 99% of total domestic violence cases . What financial red flags do I look for in romantic relationships? How do I know if I am experiencing financial abuse? Today Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I chat about some financial r...

#9: With the ability to buy just a few dollars of an investment at a time, the ONLY thing holding you back from investing is fear. Y amiga, who benefits from your fear? Investing for retirement can be simple. And I’m here to help you.  Because of our friend inflation, there is no way to ‘save for retirement’ without buying investments in a retirement account. Your money needs TIME to grow in...

#8: Most of us want to level up our money mindset and better understand our money traumas. Yet, oftentimes, we don't know where to start. Jasmine Lopez, a joy-based money coach and founder of financial wellness brand, Mentally Mutually, shares how to take the first step in understanding our money mindset. "Oftentimes a lot of the trauma in our lived experience is held in our body" she said. "An in...

#6 Worried about overspending this holiday season? Feeling stressed about not giving as many gifts as you'd like? If so, then this is the episode for you. In this episode we learn which 5 things will help you not go broke this holiday season. We also talk about slowly pivoting away from consumerism and taking baby steps towards value-based giving. There is an art to meaningful giving. I have been...

#5: Are you living in the past, amiga? Today's episode highlights the importance of reflecting on the money habits and lessons we observed as kids. Are those lessons holding us back? And if so, what can we do to break free? We also discuss how the people around us - whether explicitly or subconsciously influence how we see the world - and therefore what we think is possible. Finally, we talk about...

#4: 'You can afford anything, but not everything' -Afford Anything Podcast. By renting a room in a house for 4 years, I was able to repeatedly max out my IRA - even on 30k a year. What led me down that path? A monthly car payment that was MORE than what I was paying in rent. This episode introduces the idea that we can and should challenge society's expectations of us. Need to get a roommate for a...

#2: IM IN JAPAN! I’ve been saving $ an entire year for this trip and I’m finally here! 2 days ago, I finished the “Build Wealth While Broke” workshop fundraiser for Palestine and I’m TIRED! In order to practice boundaries, today’s episode is a replay of an incredible money conversation I had with Gracie, from the Mija Listen Podcast. In this episode, we talk: scarcity mindset how upbringing influe...

Subscribe to Ching@ Tu Money, where we learn about all things dinero through stories. Whether you are working on your scarcity mindset like me, or have reached major money milestones already, this podcast is for you. Hasta pronto! ⭐️⭐️RESOURCES:⭐️⭐️ 💸 Work 1:1 with Mariel here 💸 Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them 💸 Follow Mariel o...