Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt and Retire Early

You are NOT greedy for wanting financial security. Marginalized people deserve safety, options, rest, joy, and long-term wealth, too. Unfortunately, we’re taught that talking about money is greedy. That investing makes you a bad anti-capitalist. That wanting financial security somehow makes you selfish. But staying financially stuck does not protect you from capitalism, it usually makes you more v...

El mundo se siente caótico. La economía cambia cada semana, hay miedo político, incertidumbre laboral, inflación, y muchas personas sienten que no importa cuánto trabajen… nunca terminan de sentirse seguras con su dinero. Pero vivir con miedo no puede ser tu estrategia financiera. En este episodio, te comparto cómo he manejado mi propio dinero durante meses de ingresos inconstantes, volatilidad en...

You’ve been told to save more money to feel financially secure and to cut back on spending. But with inflation rising, saving and cutting back isn’t cutting it anymore. Your money is sitting in checking or savings accounts earning almost nothing while everything around you is getting more expensive. So even if you’re doing what you’re “supposed” to do, it can still feel like you’re falling behind....

AI is replacing jobs, and ICE raids and kidnappings are freaking you out. The economy feeling unstable because we have an unhinged president deciding to invade countries on random weekends.  Of COURSE you feel anxious about money and the state of the world! You’re wondering: Should I be saving more? Should I stop investing? Will the entire system crumble? In this episode, I break down what’s actua...

With all the nuke threats, threats to trans rights, political chaos and daily news headlines, we are in STRESSFULL times.  And even if you’re not thinking about it directly, your body is. Your nervous system is on edge. You feel like you need to “wait and see.” You stop making moves with your money. That fear is exactly what this regime wants. They WANT you to feel scared and stuck, and it's c...

You can be making good money and still feel broke AF, behind, anxious about your money not doing what it is supposed to, or like you STILL can't even relax. That’s what it means to live paycheck-to-paycheck in your mind, and it has nothing to do with your income. In this episode, I break down why so many LGBTQ+, BIPOC, first-gen, and neurodivergent folks are earning more than ever, but still f...

Waiting for a raise is one of the biggest things slowing down your retirement timeline. In this episode, I break down how one of my clients stopped waiting for more income and started building toward early retirement by optimizing the money they ALREADY have. When they first came to me, they were doing “okay” with money. They had income, a credit card, bank accounts, and a 401(k) from an old job....

This week I decided to do something that makes a lot of investors deeply uncomfortable: I sold $5,000 of stock. In this episode, I walk you through exactly why I made that decision, the mental gymnastics that came up while I was doing it, and why selling stock doesn’t mean you’re messing up your retirement. So many people believe that once you invest, you’re never supposed to touch the money until...

This week in Portland, with ICE protests happening just blocks from where I’m pet sitting, I decided to do something I haven’t done in years: pick up a paint brush and paint the Portland protest frog.  In this episode, I share how returning to painting (after years of telling myself creativity was something I’d get to do in retirement), has become a huge part of how I take care of myself now while...

In today’s episode, I break down what to invest in and why , based on how the stock market actually works.  I share how I think about investing as a formerly undocumented, trans Latinx money coach and ex–stockbroker who has built a six-figure retirement without ever making six figures . We’re talking easy, repeatable, long-term strategies that let you build wealth without watching the market every...

In this episode, Charly breaks down the exact investing habits that have allowed them to build a six-figure net worth without ever making a six-figure salary, and why retirement is less about how much you make and more about what you do with the money you already have . Charly shares what they did at the very start of 2026, including how they maxed out their Roth IRA on January 2nd, how they prior...

In this episode, Charly interviews Jkiillem , a queer nightlife entertainer, creator, and influencer, for a rare conversation about money, career pivots, and building income outside the 9–5 . Jkiillem has built a career in queer nightlife through dance, content creation, brand work, and community-centered events. In this episode, she shares what it actually looks like to earn money as a creator, h...

I break down 3 easy year-end money moves for your cash, credit, and retirement so you can be work-optional sooner instead of working forever. You don’t need a perfect year or a six-figure salary to make progress with your money. I also share a life update: navigating an ER visit alone and uninsured as a queer, nonbinary, single person estranged from family, and how the wealth I’ve built changed my...

Viridiana Ponce, a Latina business consultant who turns cooks into CEOs and teaches entrepreneurs to build profitable, financially confident businesses, joins me. We talk about the money stories we inherited, why financial education is liberation for our communities, and how Latina business owners can stop hustling in survival mode and start building real wealth. Viridiana has spent over a decade...

This episode shows how my 6 month money coaching client, Nora, went from impulse shopping and feeling scattered with money, to first-time homebuyer at 28 in one of the most expensive housing markets in the country. Nora is a first-gen Latina, eldest daughter, and spiritual alchemist who used coaching, discipline, intuition, and astrology to transform her finances. She boosted her credit, helped he...

What if being transparent about money could make you a millionaire? In this episode of the Unicorn Millionaire Podcast, I’m joined by Hannah Williams, founder of Salary Transparent Street , who went from being underpaid to becoming a million-dollar creator and global advocate for pay transparency. After realizing she was being underpaid as a data analyst, Hannah and her husband, James, created Sal...

You don’t have to sacrifice your joy, or miss out on your next vacation, to afford 6 month money coaching. In this episode of the Unicorn Millionaire Podcast , I break down exactly how my clients make back their coaching investment (and then some). You’ll learn how to use 0% APR credit cards, credit card points, and smarter cash flow to fund coaching without touching your retirement or giving up t...

In this episode, I’m joined by Sarah Wolfer (she/they) — a queer, nonbinary therapist and founder of Courageous You Therapy — to explore relationship anarchy and how it parallels investing in the way you love. We talk about what it means to build relationships rooted in choice, communication, and abundance instead of fear, obligation, or scarcity. Sarah shares how their work with LGBTQIA+, non-mon...

If you’ve been curious about what my 6-month money coaching program includes, this episode breaks it all down for you. I answer your most common questions about how coaching works, who it’s for, and the real transformations my clients experience. You’ll learn: What’s included in 6-month coaching (bi-weekly calls, daily WhatsApp support, and my full money curriculum) Why coaching works for both hig...

If you’re still leaving money in Venmo, Cash App, or PayPal like it’s a savings account, this episode is for you. I sat down with Jessica and Brandon Norwood of The Sugar Daddy Podcast to talk about why Venmo is ghetto, what FDIC insurance really means, and where your cash should actually live if you want it safe and growing. We cover: Why apps like Venmo and Cash App aren’t banks (and aren’t FDIC...

In this powerful conversation with Gina Moreno, a first-gen Mexican American entrepreneur, content creator, and coach, we talk about what it takes to leave the security of the 9-5 workplace and step into entrepreneurship and visibility and how get paid for your gifts. Gina shares how she walked away from her six figure job in tech, gave a TED Talk, and built a business that empowers first-gen Lati...

In this instagram live episode of the Unicorn Millionaire podcast, I share how I’m intentionally paying off $12,000 in credit card debt—and why I don’t regret it for a second. Taking on this debt helped me grow my business to $260K in revenue, invest for retirement without sacrificing my future, and prove that credit cards can be a tool when used with intention. If you’ve ever wondered whether cre...

In this live class and episode of the Unicorn Millionaire podcast, I teach you how to pay off debt without shame —and why selling stock from your taxable brokerage account is often a smarter move than touching your 401(k). Even if you're debt free, you should stil listen to learn about what it takes to sell stock in the right accounts and without penalties. If you’re scared to sell stock, thin...

In this instagram live Q&A and episode of the Unicorn Millionaire podcast, @travelercharly breaks down how to use credit cards and debt to retire early, without shame and without sabotaging your future. Whether you’re sitting on $30K in credit card debt or just anxious about opening a new card, this episode will help you reframe debt as a strategic tool, not a moral failure. I talk about how I...

Michelle Sanchez is a first-gen eldest daughter who built six figures in wealth before turning 30—while navigating chronic illness, moving states for her wellbeing, and finally giving herself permission to want more than just survival. In this episode, I walk you through how my coaching helped Michelle shift from uncertainty to clarity, from saving-only to strategic investing. You'll hear how our...