Say Hola Wealth

Talking about money can feel uncomfortable — but avoiding the conversation keeps us stuck. In this powerful episode, Luzy King is joined by financial strategist Sainte Fanie Billings to break down how women — especially first-gen entrepreneurs — can use tax planning, cash flow strategies, and financial education to build sustainable wealth.They discuss how to align your business structure with your income goals, the importance of managing cash flow, and how to leverage debt strategically — not fearfully. If you’re a high earner or on your way to becoming one, this episode will shift how you think about wealth, taxes, and financial growth.What You’ll Learn:How tax planning helps you build and keep more wealthWhy understanding cash flow is key to business successThe mindset shift around using debt as a toolHow women can position themselves as financial leadersWhy being in the right room unlocks new opportunitiesThe value of continuous education and strategic networksConnect with Saint on Instagram on her website.💌 Join the Cash Libre Newsletter: https://sayholawealth.com🎓 Say Hola Wealth Academy: https://sayholawealth.com/academy💼 Work With Luzy 1:1: https://sayholawealth.comLet's Become Cash Libres Juntas

In this empowering episode of the Say Hola Wealth Podcast, Luzy shares 5 essential ways to reset your money mindset for 2026. From reflecting on past financial behaviors to detoxing from limiting money beliefs, Luzy dives deep into how to realign your financial goals with confidence and clarity. You'll learn how AI tools can accelerate your wealth-building journey, why mastering negotiation and sales is non-negotiable for success, and how to take intentional action toward generational wealth.This episode is a must-listen for first-gen Latinas, ambitious professionals, and mujeres who are ready to embody a new financial identity and create abundance on their own terms.00:00 – Introduction: Why Your Money Mindset Needs a Reset01:33 – 5 Ways to Reset Your Money Mindset for 202604:53 – How AI Can Help You Grow Financially08:22 – Detoxing from Toxic Financial Beliefs11:26 – Why Sales & Negotiation Skills Are Key to Wealth14:47 – Final Words: Embodying Your Wealth Identity in 2026Want to be part of the Cash Libre community? Join here: www.sayholawealth.com/holaReady 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 empowered.For six months, you’ll work 1:1 with me to rewrite your money story and build real, sustainable wealth through:💼 Salary negotiations🔁 Career pivots🧠 Mindset coaching📈 Smart investing strategies tailored to your goals✨ If you’re craving a personalized path to financial freedom and want a coach who understands your journey — this is for you.Spots are limited to ensure high-touch support.Apply now to get started: https://sayholawealth.com/financial-coaching/

Are you building a business but still feeling unsure about taxes and money moves? In this conversation, I sat down with Laura Zarrate, CPA, to break down what every small business owner needs to know. We talked about the truth behind LLCs, write-offs, and quarterly taxes—plus the mindset shift it takes to go from employee to entrepreneur. Laura also shared her powerful perspective on defining wealth beyond just money—because for many of us, it’s about freedom, time, and familia.Chapters:00:00 – Meet Laura Zarrate, CPA: Latina Entrepreneur & Tax Expert06:25 – LLCs and Taxes: What Small Business Owners Need to Know11:52 – How Quarterly Taxes Work (and How to Stay Ready)16:17 – Small Business Write-Offs: What You Can (and Can’t) Deduct22:47 – Shifting Your Sales Mindset: Charge Your Worth with Confidence26:09 – Redefining Wealth: Freedom, Family, and Time Over Money🚀 Ready to launch your project or business idea in 90 days or less?Apply now to join the Jefas y Wealth Mastermind — a high-impact space for bold mujeres ready to turn their vision into action with strategy, support, and comunidad.Spots are limited, so don’t wait!https://sayholawealth.com/jefas-wealth/✨ 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

In this engaging conversation, Hadi Mendez shares her journey as the author of 'Calladita No More,' discussing her upbringing, experiences with money, and the motivation behind her book. She emphasizes the importance of confidence, self-advocacy, and planning for career growth, particularly for women in the workplace. Hadi also reflects on her passion for street art and photography, and she redefines wealth as being about relationships and community rather than just financial success.What You'll Learn:00:00 Introduction to Hadi Mendez and Her Journey02:01 Growing Up and Money Experiences06:35 The Motivation Behind Writing 'Calladita No More'08:38 Building Confidence and Overcoming Imposter Syndrome12:14 Navigating Workplace Challenges and Demotions16:14 Taking Charge of Your Career and Self-Advocacy20:49 Planning for the Future in a Challenging Workplace24:40 The Importance of Community and Connection28:25 Hadi's Passion for Street Art and Photography30:13 Defining Wealth Beyond MoneyBuy Hadi's book using our affiliate link: https://bookshop.org/shop/sayholawealthConnect With Hady 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.

In this episode, Luzy breaks down the top money lessons from 2025 and the wealth-building moves she’s making in 2026. From navigating economic uncertainty to managing unexpected health scares, she shares a transparent look at how financial preparedness, intentional investing, and strategic planning shaped her year.Luzy explores why investing in your health is one of the most powerful wealth decisions you can make, how automating your finances reduces stress and overthinking, and why aligning your money with your values matters now more than ever. She also dives into the difference between good money vs. quick money, the rise of ethical investing, and the importance of diversifying your skill set to stay competitive in a changing economy.00:00 – Introduction: Top Money Lessons from 2025 and What’s Ahead for 202601:08 – How to Navigate Financial Uncertainty and Personal Setbacks02:51 – Health Scares and the Importance of Financial Preparedness05:31 – Investing in Your Health: The Wealth Strategy Most People Ignore07:52 – Why Automating Your Finances Reduces Stress and Builds Wealth09:34 – Understanding Economic Challenges and Building a Resilient Money Mindset11:11 – Good Money vs. Quick Money: How to Make Wealth-Aligned Financial Decisions16:16 – Ethical Investing: Aligning Your Portfolio With Your Personal Values19:05 – Skill Diversification: How Continuous Learning Increases Your Earning Power21:42 – Wealth Goals for 2026 and How to Plan for Long-Term Financial Growth✨ If you’re craving a personalized path to financial freedom and want a coach who understands your journey — this is for you.Spots are limited to ensure high-touch support.Apply now to get started: https://sayholawealth.com/financial-coaching/Want to stay in the loop with wealth-building tips and behind-the-scenes insights?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

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

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

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

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 Accounts00:08 Building Financial Safety with Savings00:43 Factors Influencing High Yield Savings RatesIf 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=MobileAppReferFriendSubscribe to the Cash Libre Newsletter today: www.sayholawealth.com/hola