Share

cover art for Is a HYSA a Good Financial Move?

Say Hola Wealth

Is a HYSA a Good Financial Move?

Season 16, Ep. 193

In this conversation, Luzy discusses the significance of high yield savings accounts as a financial cushion during uncertain times. She emphasizes their role in providing access to funds when regular income is disrupted and highlights their importance in building a foundation for generational wealth.


What you'll learn:



00:00 Introduction to High Yield Savings Accounts

00:08 Building Financial Safety with Savings

00:43 Factors Influencing High Yield Savings Rates


If you want to open a HYSA with my favorite bank feel free to use my affiliate link: https://www.ally.com/referral?code=7S4J6Y5M5Z&CP=MobileAppReferFriend

Subscribe to the Cash Libre Newsletter today: www.sayholawealth.com/hola


More episodes

View all episodes

  • 196. How To Publish A Children's Book

    24:45||Season 16, Ep. 196
    Delia Ruiz discusses the lack of representation in translated literature by non-Latine authors and emphasizes the importance of integrating culture and experiences into educational standards. She encourages individuals to take initiative in creating the content they wish to see and highlights the importance of community and diversity in these efforts.Episode Highlights00:00 Introduction to Delia Ruiz00:37 Inspiration Behind Delia's Books00:40 Publishing Journey: Self-Publishing vs TraditionalAbout our guest: Delia is a first-generation Latina author whose stories bloom from her rich Mexican heritage. Delia weaves worlds with words while keeping her heart anchored to her culture. Through her social platforms, she champions diverse literature and creates teacher resources that celebrate multicultural voices and experiences. She hopes to inspire the next generation of writers who also come from immigrant households.Connect with Delia on instagram.Ready to increase your net worth by $20K or more?Join The Say Hola Wealth Academy — our signature program where we help first-gen wealth builders grow their wealth through salary negotiations, career pivots, mindset coaching, and smart investing.✨ If you’re ready to rewrite your money story and step into your financial power, this is for you.Join today at https://sayholawealth.com/academy✨ Enjoyed this episode?Don’t forget to subscribe to the channel, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream.💌 Want more behind-the-scenes insights and exclusive convos?Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸Let's Build Wealth Juntas,Luzy
  • 195. Cómo Hablar de Dinero con tu Pareja | Con Vanessa Franco de Franco Financial Coaching

    24:45||Season 16, Ep. 195
    En este episodio, converso con Vanessa Franco de Franco Financial Coaching sobre cómo hablar de dinero en pareja sin miedo, sin drama y con claridad. Aprenderás estrategias reales para mejorar la comunicación financiera, crear metas en conjunto, pagar deudas, y construir la libertad que toda pareja necesita.Episode HighlightsCómo iniciar conversaciones de dinero con tu pareja sin miedo ni conflicto.La importancia de los money dates para crear claridad y metas en conjunto.Estrategias reales para pagar deudas, mejorar el crédito y tomar decisiones financieras juntos.Cómo la crianza, la migración y las heridas emocionales influyen en nuestra relación con el dinero.Por qué la libertad financiera te da opciones, presencia y un futuro con intención.Connecta con Vanesa en Instagram¿Lista para crear tu libertad financiera? Unete a nuestra communidad www.sayholawealth.com/hola
  • 194. How to Break Into STEM as a Latina (Even Without Connections or Experience)

    27:29||Season 16, Ep. 194
    In this episode of the Say Hola Wealth Podcast, Luzy sits down with Dr. Christina, a first-generation Latina scientist, veteran, and creator of Running on Science, to discuss how she broke into STEM against all odds.From growing up in La Puente, CA, navigating grief and financial struggles, to joining the military, returning to school with the GI Bill, and cold-emailing her way into a research lab, Dr. Christina shares what it really looks like to pursue a STEM career as a Latina. She also opens up about her work studying traumatic brain injuries, her love for running and travel, and why her definition of wealth is deeply tied to freedom and time.If you’re a first-gen Latina thinking about STEM, career pivots, or redefining what’s possible for you, this conversation will give you both inspiration and permission to dream bigger.If this episode reminded you that you deserve more options with your money and your career, make sure you’re on the Cash Libre newsletter.Join the Cash Libre newsletter to get weekly, culture-centered money tips, and wealth-building tools.www.sayholawealth.com/hola
  • 192. How To Publish A Book_My Book Update

    20:40||Season 16, Ep. 192
    n this episode, Luzy shares her journey of writing her upcoming book, 'Cash Libre.' She discusses the challenges she faced in the writing process, her decision to explore different publishing options, and the importance of community and cultural impact in her work. Luzy also talks about her preparations for the book launch, including finding advanced readers and working with a voice coach to enhance her narration skills.Episode Highlights:00:00 Introduction to Cash Libre04:49 The Writing Process and Challenges09:33 Publishing Options Explored14:01 Choosing the Right Publishing Model18:46 Preparing for Launch and Voice CoachingReady to become Cash Libre? Join our newsletter or more about our programs here:www.sayholawealth.com/hola
  • 191. The Spooky Reasons Why Small Business Owners Are Not Making Money

    16:00||Season 16, Ep. 191
    It’s spooky season, and we’re exposing the scary habits haunting small business owners’ bank accounts — from comparison traps to confusing social media with real strategy.If you’ve ever thought, “If Susanna has a website, I need one too,” this episode is your reminder to stop comparing and start building your business with intention.Perfect for Latina entrepreneurs and small biz owners ready to ditch fear and create a 30-day plan that supports peace and profit.What You’ll LearnHow comparison keeps you stuck and drains your profitsThe difference between a business plan and a social media planWhy paying yourself — even $50 — is crucial from day oneCreative ways to generate demand during slow seasonsHow to plan your business finances for the next 30, 60, and 90 daysWhat to focus on first if you’re ready to grow your business sustainably Join the Say Hola Wealth CommunityReady to grow your business and your wealth with confidence?Join our free email list for exclusive tools, workshops, and financial wellness tips for Latinas and first-gen entrepreneurs.👉Sign up at sayholawealth.com/holaLet’s build wealth sin miedo — together. 💫
  • 190. The 3 Financial Truths No One Told Me In My 20's

    13:55||Season 16, Ep. 190
    If you've ever felt financially behind, this episode is your reminder: you're doing better than you think. Luzy shares the 3 truths about finances she wishes she knew in her 20s and how to start building wealth as a first-gen Latina. Episode Highlights: 00:00 – Intro: Why this episode matters Luzy shares why conversations about money matter, especially for Latinas navigating adulthood and finances. 02:04 – “I’m not good with money” mindset. Where this belief comes from and how to find evidence that you are actually good with money. 05:50 – Financial confidence starts with awareness. Showing up to your job, paying your bills, and thinking about money are all signs of financial capability. 08:32 – Truth #1: Education is not the key to wealth Why traditional education opens doors, but financial education is what keeps you in the room. 12:20 – Truth #2: Loyalty doesn’t build wealth A career warning: staying loyal to a company won’t protect your finances. Learn what you should be loyal to. 16:30 – Truth #3: No one is coming to save us The myth of financial rescue—and why your future success depends on you, not outside systems. 20:08 – The power of who you surround yourself with. We are the average of the five people around us. Are your friends holding you back or pushing you forward? 24:00 – Weekly challenge & closing thoughts Luzy shares one action step to help you reflect and take control of your financial journey. Ready to increase your net worth by $20K or more? Private coaching is now open for first-gen wealth builders who are ready to get focused, supported, and financially healthy.   www.sayholawealth.com/hola
  • 189. Client Success Story:How I Went From Saving Every Dollar to Growing My Wealth Through Investing

    19:41||Season 16, Ep. 189
    In this enlightening conversation, Alana shares her transformative journey from feeling lost and anxious about money to embracing a wealthy mindset and making audacious financial moves. With the guidance of Luzy she learns the importance of self-care, spending, investing, and breaking free from limiting beliefs about money. Alana's story highlights the power of financial education and the impact of having open conversations about money, especially within marginalized communities.   Episode highlights: 00:00 Introduction to Alana's Journey 01:48 From Existing to Thriving: Alana's Transformation 03:44 Redefining the Relationship with Money 06:48 Investing in Self-Care and Abundance 09:35 Making Audacious Money Moves 12:18 The Power of Financial Projections 15:29 Breaking Money Taboos and Conversations 17:13 Encouragement for Future Millionaires   Ready to start your financial freedom? Book a call with me today using the link below.   www.sayholawealth.com/hola
  • 188. How My Clients Grow Their Wealth Fast (Without Hustling Harder)

    08:31||Season 16, Ep. 188
    In this episode of The Say Hola Wealth Podcast, Luzy King shares how one first-gen Latina went from feeling stuck and unsafe around money to confident and financially secure. Through the Say Hola Wealth Academy, she learned to understand her money, release family-limiting beliefs, and grow her wealth — fast, but without burnout. She calls this journey “the best investment I’ve ever made.”   🎧 Tune in to learn: How to identify and release family money beliefs Why safety and support are key to building wealth What growing your wealth “fast” really means — sustainably and joyfully How The Say Hola Wealth Academy helps first-gen Latinas transform their financial lives Ready to build wealth with clarity, confidence, and community? Apply to be part of our membership program today at sayholawealth.com/academy