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

Listen to this episode to learn how to stay on track with financial health as a key aspect of overall health. Ken retired from corporate at age 56 and shares lessons he learned about what it took to get here. We talk about being intentional with investing, the difference between healthy habits and just spending to show off your wealth, and living your truth as queer people. This life is finite, an...

Listen to this episode to get the scoop on Health Savings Accounts (HSAs) and how they can help you retire early! Health Savings Accounts (HSAs) are tax-advantaged savings accounts specifically designed for medical expenses. They’re for folks with high-deductible health plans (HDHPs). An HSA lets you save money on a pre-tax basis to pay for qualified medical expenses. You can have the money in cas...

"Economics impacts everything. Politics impacts everything." These are the powerful words of Linda Garcia, today's guest. I'm so excited for you to listen to an update on Linda's life since she last came on the podcast to record episode 43, "Money Chisme with the witch of wall street" (listen if you haven't yet!). Republicans focus on making money, while Democra...

I'm so excited to share the New Unicorn Millionaire Podcast trailer with you that I will be using from now on! I can't wait to grace your eardrums with more personal finance, wellness, and travel content. ⁠To learn more about 1:1 coaching with Charly and to join their newsletter, click here.⁠

Debating going with the Chase Sapphire Preferred or Sapphire Reserve credit card? Listen to this episode to learn the difference between the two cards, their perks, and how using them the right way will boost your credit score so you can lock in better interest rates on a mortage. I've used both cards and I break down how both compare and how to make the best decision for yourself. ⁠To join my...

Whether they're a surprise or planned, large cash influxes can be overwhelming. They can come in the form of an inheritance, settlement, or a surprise gift. Listen to this episode to learn all about how to manage your mind and emotions when it comes to surprise cash influxes, so that you can better invest the money to retire early. To learn more about private money coaching with Charly, click...

Listen to this episode to learn about how to get your finances in order so you can get that great interest rate and prepare for your first home. I share why your debt to income ratio matters if you have debt, how to boost your credit score, and where to store your cash to make this process as streamlined as possible. Want help making money moves? Book a call here to get started with private coachi...

Listen to this episode to learn how I navigated the grief of rehoming my cat, Luna. I share why I decided to do this, which was one of the toughest decisions of my life. Rehoming pets is a topic not discussed often because of the stigma associated with it. I would know, since I used to do the stigmatizing (in my head, at least!). Sometimes, admitting we were wrong can be one of the hardest things...

Your health is your #1 investment. Listen to this update to get updates on my health issues as I close this chapter in Puerto Vallarta, and how I'm focusing on my healing as someone with eczema. I share how my chronic illness has flared up, reflections on how it's shaped my life, and what I'm doing about it by focusing on my gut health and hormone health. I also share reflections on re...

On today's episode, we're talking to foster parent and money coach Nicole to talk about just how queer foster care is. 30% of foster children are LGBTQIA+, and we need to talk about it! In this episode, we talk about how foster care is another option to consider when raising children as opposed to adoption or IVF. Being queer is expensive AF for many reasons, so we're here to talk abou...

I'm pumped to have personal finance expert Jannese Torres on the podcast to learn all about how to build wealth while protecting your peace. Listen to learn all about Jannese's new book, Financially Lit! and why this book is so groundbreaking for our community. Jannese Torres is an award-winning Latina Money Expert. She became an accidental entrepreneur after a job loss led her to create a...

Will you stay in a toxic relationship with your checking/savings account and their trash interest rates, or will you open a high yield savings account? Join my high yield savings account class THIS TUESDAY the 30th to learn how high yield savings accounts can help you grow your cash & retire early!! Save your spot for my high yield savings account class on 4/30 and learn about 1:1 coaching her...

Listen to this episode to get an update on my two week solo trip throughout Mexico, as well as a detailed month by month breakdown of how much money I made, how much I didn't make each month, and exactly how I created it. Learn how I separate my personal and business finances to make my life easier. I also share how intentional I was about paying off almost $10,000 in business credit card debt...

I'm so happy for y'all to listen in on this episode with one of my good friends and fellow nonbinary latinx money coach, Soledad, to talk all about how important self care is to your life and money journey. Listen to learn all about how we deserve to thrive, and to do that, Soledad explains their DIVERSE self care model. Rita-Soledad Fernández Paulino is a Queer Mexican-American, former ma...

Listen to this episode to hear all about my queer latina client, Keli, and her massive money coaching transformations while working with me as her money coach. We not only focused on crushing her credit card debt and boosting her credit score, but we also worked on her better communicating her needs with loved ones and valuing her self care. She shares an exciting win that's all about how she...

I break down the differences and similarities between Roth IRAs and Roth 401(k)s and why I love these investment accounts so much. I share how I started my investing journey and how I max out my Roth IRA each year as a low income earner because that's the only way I know I'll be able to retire early. Roth IRAs and Roth 401(k)s use the money from your paycheck that has already been taxed, l...

El temazcal es un baño de vapor. Se ha utilizado en Mesoamérica desde hace milenios, con fines terapéuticos, higiénicos y rituales. En este episodio, les comparto como me fue a mi en esta “casa de vapor” (es la definicion del náhuatl: temaz – vapor, calli – casa). Comparto como me fue como persona trans y que aprendi de esta experiencia espiritual. Lo hice en Puerto Vallarta, Mexico. Here is my bl...

This episode is all about why you should dump that checking account and u-haul it with your high yield savings accounts. There's absolutely no reason to keep your cash/emergency fund in a checking account. Checking accounts have low interest rates. There's no reason to pay your credit cards from your checking accounts, either. High Yield Savings Accounts make your money grow more while you...

To celebrate hitting 3,200 podcast downloads, I'm giving away a free money coaching call with me ($500 value)! How to enter: 1. Review this podcast, Unicorn Millionaire, 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 Friday, 2/9 on my instagram (click here to go to @travelerchar...

Spoiler Alrert! We have drama, we have investing mistakes and wins, we have entrepreneurship lessons, and we have my commentary on gender themes that still play out from the 70s to today! Listen to this episode to hear my take on the new Netflix show, Griselda, and what it can teach us about making money moves! Book a call here to start 1:1 money coaching with me. 🌴

In this episode, I share how I'm on week two of microdosing 🍄 and taking an unexpected break from drinking! I decided to try microdosing for a month, which was a big change for me because my Virgo self has had the identity of being all or nothing for so long. Anyone who knows me knows I'm a lightweight. I don't even need to drink to twerk alone in public, but gimme 2 margaritas, I&#39...

Rich people get into debt all the time. They just call it "leverage." Prince Harry had to borrow money to buy his house in Santa Barbara. The US Government is $34 trillion in debt. Debt isn't a bad thing, but spending time feeling guilty about it is. In this episode, I talk about to be strategic with debt and how it can actually help you grow you build wealth. I share how I think abo...

As a single income earner who has made $170k in sales since starting my business, I haven't come across any programs that focus specifically on how the f*ck to manage your business finances. Entrepreneurship is a great way to make more money and retire early, but managing your money can be overwhelming. Join my Business Finances Con Confianza free class on Jan 18th to learn: How to manage your...

Time to leave them! One argument why people stay with them is that they feel like in person banks are "safer". In person banks aren't necessarily "safer" than online banks. Listen to this episode to learn about how Wells Fargo has physical branches and has horrible interest rates and scammed millions of people into creating fake accounts without their consent with the ghost...

Happy New Year! Listen to this episode to hear all about the investing moves I am making to start the year off right. I share how much I'm investing already in my IRA, why it is urgent to max out your retirement accounts ASAP, and I bust some myths about investing so that you can retire sooner and work less. To learn more about working 1:1 and join my newsletter, click here.