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

#51: With limited money and a ton of money goals, what do we target first?In this episode, Andrea Ramos of Building Generational Wealth shares her framework for creating your financial safety net. Tune in to hear why paying an extra $6,000 of interest may just be the greatest decision you ever made.⭐️RESOURCES⭐️💸Follow Andrea on Instagram💸Latina Investors Podcast💸7/28 Retire on Time Workshop💸Retire on Time REPLAY💸60 minute 'IRA' Kickstart⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸5 Reasons To Invest, Even If You Have Little MoneyWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#50: Get in loser, we're investing in the stock market. It's time.⭐️RESOURCES⭐️💸Retire on Time Workshop Replay💸Follow Mariel on Instagram⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸5 Reasons to Invest Even If You Have Little Money💸If You're a Latina, It's Time to Invest. No More Excuses.Want more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#49: Student Loan Planner just came out with a new podcast episode called 'RAP Strategies 2.0' and I want you to go listen to it.DISCLAIMER: Only YOU know what's best for you. Trust but ALWAYS verify. See you in the episode!⭐️Student Loan Resources⭐️💸Rap Strategies 2.0 by Student Loan Planner💸Repayment Assistance Plan by Student Loan Planner💸Student Loans Post - July 1 by Student Loan Planner 💸3 Reasons I didn't enroll in RAP by Mariel Amador💸Student Loan Planner:Book A Call with my friend Taylor of @socialworktowealth💸Debt Free Gonna Be: Book A Call with Nika Booth @debtfreegonnabe⭐️Work with Mariel⭐️💸FREE: 7/28 Retire on Time Workshop💸1:1 Money Coaching💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.comPlease leave a review to help me keep spreading the financial literacy word. Ciao!

#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 discuss:Student Loan Updates3 Reasons I did not enroll in 'RAP'Things for you to consider in order to make a decision that serves your life holistically. Feeling overwhelmed or want clarification on something I shared? Send me a DM on Instagram!Mariel Amador⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Repayment Assistance Plan by Student Loan Planner💸Student Loans Post - July 1 by Student Loan Planner 💸Pinche student loans: IDK what to do about my student loan debt⭐️⭐️RESOURCES⭐️⭐️💸Compare options: Student Aid repayment calculator💸Learn about recent changes: Student Aid Big Updates Webpage💸Student Loan Planner:Book A Call with my friend Taylor of @socialworktowealth💸Debt Free Gonna Be: Book A Call with Nika Booth⭐️⭐️Podcast Episodes Mentioned in the show⭐️⭐️💸If You’re a Latina, It’s Time To Invest. No More Excuses. 3 Reasons To Invest Now💸Underearning Journey: 10 Years Later, I Finally Stopped Underearning ACRONYMS used in this Episode: AGI: Adjusted Gross Income IDR: Income Driven Repayment SAVE: Biden-era Saving on a Valuable Education student loan repayment plan (no longer exists)RAP: Repayment Assistance Plan (one of the available income driven repayment plans) IBR: Income Based Repayment (one of the available income driven repayment plans) PAYE: (one of the available income driven repayment plans-expires mid 2028) ICR: (one of the available income driven repayment plans-expires mid 2028)

#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 tooThe 1099-INT form most people forget to tell you about regarding HYSAsOpening an High Yield Savings accounts takes 5 minutes. Instead of scrolling for 2 hours, open yours and change yo life today.⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸Stop trying to be good with money. Do these 3 things instead💸I closed My WF Accounts After 16 Years⭐️RESOURCES⭐️💸1:1 Money Coaching💸Subscribe to the Money Newsletter💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#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 it feels like the loss is too big to come back from. The fact is, we don't know the future. Shake it off and keep it moving.Finally, we talk about putting in the reps. The painful, embarrassing, never ending reps. Success doesn't start at the championship game. It starts way before. Every step you take is vital to getting that win.Amiga, stop letting your ego getting in the way of you achieving your dreams. Listen to this episode, then join me inside of the REJECTION challenge happening July 1-31. It's time to ask for what we want. No more getting in our own way.⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸The Compound Effect of Possiblity💸Why You Aren't Taking Action💸Your Impatience Is Blocking Your Success. Quit Being A Baby And Keep Going⭐️⭐️RESOURCES:⭐️⭐️💸1:1 Money Coaching💸Fix Your Money: 6 Episode Audio Course💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#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 we want. ALL of what we want.See you in the show!⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️💸How to Stop Underearning And Make More Money💸If You’re A Latina, It’s Time To Invest. No More Excuses.💸How to Break Free from the Money Story Holding You Back⭐️RESOURCES⭐️💸1:1 Money Coaching💸Latina Presente Public Speaking💸Subscribe to the Monthly Money Newsletter where I share my scarcity thoughts and how I walk myself out of themWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com

#43: Everyone says to 'reduce your expenses', but you can only cut so much before you're miserableInstead of tracking every single expense to the penny (or extreme coupon-ing), focus on reducing costs for 3 things:HousingTransportationEating out/fast foodBONUS (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 more.From renting a room in a house to save money, to making my biggest money mistake (financing a new car) to my struggles with cooking, this is an episode you don't want to miss.See you in the show!⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️💸How to Stop Underearning And Make More Money💸How I Saved Money On Rent By Renting A Room for 4 Years⭐️RESOURCES⭐️💸1:1 Money Coaching💸Subscribe the Monthly Newsletter💸Follow Mariel on InstagramWant more personal finance for Latinas? Request the next episode topic by emailing mariel@moneyformujeres.com