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

No one tells you that building wealth can feel lonely, confusing, even grief-filled —especially when you're the first in your family to do it. In this episode, I unpack the emotional side of money that rarely gets talked about: the loss, the guilt, and the identity shifts that come with earning more, saving more, and stepping into financial leadership as a first-gen, queer, or BIPOC six-figure...

Your 401(k) isn't recession-proof — and that's costing you $10k+ a year. In this episode, I’m breaking down exactly how to recession-proof your 401(k) in 2025 by avoiding the top 3 mistakes I see six-figure earners and $50K+ business owners make every day: → Leaving piles of cash sitting there, losing value to inflation → Rolling over your old accounts but never actually investing them → T...

In this episode, I have my money coaching client, Telesh, on to talk about her money coaching wins after 6 months of working with me. As a queer latina, she share her journey of working past feeling nervous to have money conversations, including her initial fear and shame around money, and how working with me helped her kick these feelings to the curb so she could help herself AND her immigrant fa...

As a six figure earner, you're worried about the stock market right now. You're worried about losing your money and your job, and you're worried about your investments. In this episode, I explain how to think about what's going on in the stock market right now so you go from freaking out to feeling empowered during this and every stock market dip that will happen. I love helping six figure earners...

Whether you're a 9-5 er, a full time business owner, or you know you need to diversify income streams in this economy, this episode is for you. So far this year, I've made $30k in sales in my business, and it's barely March. In February alone, I made $15k in sales. Listen to this episode to learn about how I'm navigating my mindset and how I'm maxing out my retirement accounts...

In this episode, you'll learn how to make more money with less effort. The point of investing is to make your money grow itself passively, and I'm on a mission to get more LGBT/BIPOC six figure earners to help their money work for them so they can retire early. In this episode, I break down the 3 client types I consistently attract: 1. The Cash Hoarder 2. The Russian Roulette Investor 3. T...

In this episode, I'm interviewing my Canadian-Argentinian emotional support buddy and latina badass, Steph Wharton, to talk about how to land paid speaking gigs and build community. Steph is a leadership and visibility coach, who shares how she created the " Whole Damn Vibe" community, which is a free, BIPOC, Neurospicy, and queer online community for creatives and entrepreneurs. Each week we meet...

A target date fund (TDF) is an investment portfolio that automatically adjusts to convert more and more to cash the closer it gets to a certain date, like 2040 or 2055. TDFs are designed to help investors meet their retirement goals, but in this episode, I share why I used to invest in target date funds and got rid of ALL of them. I share how my experience as a stock broker informs how I work with...

When it comes to email, opens and clicks don't matter. Templates don't change industries. Listen to this episode with my coach, Kirsten Roldan (who I lovingly call the Puerto Rican Spice girl we never had), to chat about her program, Million Dollar Email. This program is disrupting the industry as it goes beyond bro and becky marketing to help you become social media optional. Email is tim...

Naihomy with the good skin is in the house!! Her skin is poppin' because her gut and hormone health are on point and we're sharing how she got there! In this episode of the Unicorn Millionaire podcast, Naihomy Jerez, a Dominican Integrative Nutrition and Hormone Health Coach, talks about why you need to take care of your hormone health, gut health and how to reverse prediabetes. Naihomy sh...

When you use your high salary to crush your student loans and pay them off in full, your credit score will actually drop! Listen to this episode to understand why this happens and how to grow your credit score while paying off your student loans so that you're not afraid of your credit score dropping. To work 1:1 with me to on your credit building, savings, and investment strategy, click here....

I'm not another white guy in a suit giving a boring finance talk – I’m a queer, trans, ex stock broker turned money coach here to empower your team - and, let's be real, keep them productive 😈🏳️‍🌈 Listen to this episode to learn about my latest DEI class and how I got the corporate chat to pop off way more than it normally does. Or, if you're a future client, learn for all the ways I...

In this episode, Maribel Francisco, founder of Our Wealth Matters , shares her expertise in empowering immigrant communities through financial education and coaching. Maribel dives deep into the financial challenges faced by ITIN holders and undocumented individuals, sharing tips on building credit, growing savings, and investing for long-term wealth. She explains the protections of IRS code 6103,...

In this episode, we're getting spicy. We're getting political. Listen to how Bernadette Joy Cruz Maulion, a money coach and author, crushed $300k in debt to founding Crush Your Money Goals ®. In 2016, she was faced with so much debt that she couldn't feel like she could make an impact in politics. Now, as a multimillionaire, she used her financial freedom to get involved AF in the 2024 election an...

In this episode, I answer: should you rent or buy a home? It’s not about following the crowd or what society expects—it’s about making the best financial decision for YOU. Many Latinx families see real estate as the only path to building wealth, but is it really? I break this down and explore smart wealth-building strategies, and show you client examples of how renting is a better choice than buyi...

Listen to this episode to learn how LGBT/BIPOC can use Credit Card Points to Travel the World. I met Rachel at Fincon recently and we talked all about points transfers, which websites to use, credit cards, and simple ways to level up your points game! Thomas Life is an Affordable Travel Strategist + Planner. Find her on: YouTube: https://www.youtube.com/@RachelThomasLife Instagram: https://www.ins...

Are you ready to join the 800+ credit score club? In this episode, we dive into why boosting your credit score is more urgent than ever—and how to make it happen. Building a strong credit score isn't just about securing loans for a home or car. It's about unlocking financial freedom and creating opportunities in every aspect of life. Here’s what you’ll learn: How to help loved ones build their cre...

In this episode, Charly gives their thoughts on the duality of your net worth being the highest with stocks being up while also grappling with the election results. They also interview financial mentor and scholarship expert Ms. Chika, who shares her insider tips on unlocking scholarships for adults—beyond higher education. Whether you’re looking for funding for conferences, professional developme...

Election day is a HUGE day for the stock market. Listen to this timely episode to learn all about how to navigate stock market fluctuations in intentional ways, with the election tomorrow as just one example. I share how I borrowed $16,000 of stock in a risky day trade the last election and what I'm doing with my stocks this time around. I also share how I'm practicing self care as this is an extr...

Listen to this episode to learn why November is the BEST time to start money coaching with me! November is when open enrollment for Employer benefits starts, and in particular, Health Savings Accounts (HSAs)! This lasts from November 1- January 15. This is the time when you can enroll in, renew, or change your health plan through the Marketplace. HSAs are sexy because they're TRIPLE tax-advantaged...

I've worked on removing the shame I had around pet sitting for the past DECADE as an additional revenue stream, and I'm sharing more about it! Listen to this episode to learn how to destigmatize your income sources and retire sooner. Pet sitting is part of my early retirement plan. 've made thousands of dollars pet sitting and saved tens of thousands of dollars on rent that I'm investing instead....

Join me in my 100th episode (YAY!!) as I share how I strategically leveraged two business credit cards to take advantage of their bonus intro offers. Learn how I funded an $8,000 coaching investment and covered $1,600 in expenses at FinCon—all while maximizing cash back rewards and 0% APR. I share the importance of separating your personal from business finances as well as how to make more money b...

Happy Virgo season! To celebrate my b-day month, I'm giving away a free money coaching call! How to enter: 1. Review this podcast on Spotify or Apple podcasts (bonus points if you leave a written review, it can be as short as "great podcast"!) 2. Dm me a screenshot of your review by Sunday, 9/8 to @travelercharly on instagram (or reply to my mailing list email blasts if you're al...

Listen to this episode to learn all about the misconceptions of Ayurveda and how my health coach helped me start healing from the worst health crises of my life from the inside out. Vern, an Ayurvedic health and digest life coach, shared her journey from dealing with severe eczema and health crises. I share how I recently have been navigating my eczema, hypothyroidism and pre-diabetes and started...

One of the biggest mistakes I see new investors make is that they don't maximize investment account types.  One sign I look for is that they have a lot of money in their taxable brokerage accounts (or worse, crypto), but they aren't maxing out their IRAs or their 401(k)s.  They think they're doing enough by investing it somewhere, but in reality, they're delaying their retirement d...