Yo Quiero Dinero

The Guardian recently featured my plan for how I'm raising my toddler to become a millionaire and it got me fired up about something I've been sitting on for a while. Today I'm calling out the financial patterns that Latino parents normalize that are actually keeping our community from building real wealth. I'm not talking about our elders who came here with nothing and survived on grit. I'm talking to us — the millennial parents with smartphones, podcasts, and investing apps at our fingertips — who still aren't doing enough differently. We'll talk about why spending $20K on a quince but skipping the 529 is a problem, why your child is NOT your retirement plan, and the five mindset shifts that need to happen so we can stop breaking generational cycles and start building generational wealth.This is a tough love episode, mi gente, but I think you're ready for it.WE GET INTO:00:24 The Guardian feature + Jannese's toddler wealth plan02:53 Who this episode IS (and isn't) for04:18 Problem #1: Spending on appearances, skipping financial foundations06:03 Problem #2: Treating your children like a retirement plan08:01 Problem #3: Preaching education without a financial plan for it10:30 College vs. retirement — why you must always choose retirement14:07 Problem #4: Shaming kids for wanting more16:12 Problem #5: Dismissing financial tools as "too much" for kids18:30 When it's not that there's no money — it's that there's no mission19:20 Action steps for Latino parents (talk about money earlier, stop saying you don't know)20:32 Action step: Open the accounts — 529, brokerage, Roth IRA20:44 Action step: Redirect family gifts to the college fund21:50 Action step: Plan for your own retirement + money tools resource23:45 The $4 trillion spending power problem — and what we need to build instead24:49 The vision: celebrate AND invest26:44 Closing + how to get The Guardian article27:23 Outro — Stay PoderosaKEY TAKEAWAYS:Spending on appearances while skipping financial foundations isn't tradition — it's a decisionYour child is not your 401k, your emergency fund, or your exit strategyPreaching education without a financial plan for it is setting your kids up to drown in student loan debtIf you have to choose between saving for college or retirement, choose retirement — every single timeWanting more does not make you ungrateful. Sometimes it's how you honor where you came fromSilence is the most expensive thing you can give your children when it comes to moneyThe most generous gift you can give your child is a financially free parentRead: A finance podcaster plans to make her daughter a millionaire by 18 – here’s how TAKE THE NEXT STEP:Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with JanneseThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

She was one of the baddies who showed up on this show back in 2021 — and four years later, Vanessa Wachtmeister is back and she is NOT the same woman. She's paid off $130,000 in debt, earned her German passport, and is about to launch her second tech startup. And she did all of it from Europe, where blueberries cost a dollar and a minor surgery runs you 300 euro — total.In this episode, Vanessa and I are getting into ALL of it: what it actually looks like to build a career, a business, and a life abroad. How she navigated work visas, taxes, and even burning down a GmbH to the tune of $100K of her own money to rebuild her startup in the US. We're talking passport diversification as the new financial strategy, why the American dream was always a lie, and how her new job platform Go Onwards is coming for LinkedIn's neck.If you've been thinking about leaving, this is your sign to stop playing and start moving.WE GET INTO:00:00 - Intro: The Baddie Who Left America in 2013 and Never Looked Back02:51 - Why Vanessa Said "Bye, America" at 21 with $2,000 and a Dream04:20 - The World Tour: China, London, Syria & Germany05:42 - What Her Life Would Have Looked Like If She'd Stayed08:42 - How to Actually Get a Job Abroad: Visas, Work Permits & What Nobody Tells You10:22 - How to Choose Where to Move13:20 - Grocery Bills, Free Healthcare & Why She Can Never Come Back16:16 - From Masterclass Girlie to Tech Founder: Her Creator Evolution18:57 - The Gap in the Market That Built Go Onwards21:55 - Why LinkedIn Doesn't Give a F*ck About Job Hunters (and She Does)23:33 - Pricing, Features & What You Get with Go Onwards24:44 - The $100K Founder Mistake She Made in Germany28:36 - The Real Tea on European Taxes31:33 - Digital Nomads, Remote Work & What 100% Remote Actually Means Abroad32:03 - How She Made $310K and Paid $26 in Federal Tax35:22 - Passports Are the New Insurance Policy36:03 - The (Very Legal, Slightly Gray) Way She's Bringing Her Family to Europe38:08 - How to Financially Prepare to Move AbroadKEY TAKEAWAYS:Getting a job in Europe as a US passport holder is more doable than you think — but you need to understand how work permits and visa sponsorship actually workThe Foreign Earned Income Exclusion lets you exclude up to $130K of foreign income from US federal taxes — stack it with tax credits and you'll be shocked at your billPassport diversification is the new financial strategy — multiple citizenships give you options that no investment account canGo Onwards filters out ghost posts, non-English jobs, and low-paying roles so you only see high-quality opportunities with visa sponsorship across all 30 EU economic areas + the UKYou don't need to fundraise to fund a startup — Vanessa liquidated part of her stock portfolio at peak to self-fund, treating it as diversification into a revenue-generating assetLiving abroad doesn't have to be expensive — Vanessa's all-in monthly budget in Berlin (including rent, health insurance, CrossFit, and Ubers home) is $2,500RESOURCES MENTIONED:Listen to Vanessa’s past episode of the podGo Onwards (Vanessa's job platform)CONNECT WITH VANESSA:InstagramWebsiteTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

Honestly, I don't know why it took me this long to get Chloe Daniels — aka Clo Bare Money Coach — on the show, because she is a whole badass and we have been living parallel lives for years. She went from a torrential relationship with money (including being financially trapped in a dangerous situation abroad) to becoming one of the most refreshing voices in personal finance.Her approach is called lazy investing — and before you scroll past that, hear her out. Because when BlackRock ran 100 years of market data, the results backed it up. We're getting into all of it: the mindset blocks keeping women out of the market, why Wall Street jargon is gatekeeping on purpose, the truth about financial advisors, and the simple strategy that actually builds wealth long term.WE GET INTO:00:00 - Intro: Why It Took Us This Long to Do This Episode00:46 - Meet Chloe Daniels: From Side Hustle to Full-Time Finance Coach04:05 - The Childhood Money Belief That Held Her Back05:03 - Financially Trapped in an Abusive Relationship Abroad07:31 - Rebuilding Self-Trust and Becoming Your Own Hero09:05 - Wall Street Gatekeeping and the Paralysis of Conflicting Info11:47 - The Real Stats on Diversity in Financial Advising14:35 - What "Lazy Investing" Actually Is (and Why It Works)18:42 - ETFs vs. Index Funds vs. Mutual Funds: What You Need to Know20:45 - How to Figure Out Your Investor Type and Build Your Portfolio24:21 - The Common Mistake: Money Sitting Uninvested in a Brokerage27:11 - How to Calculate Your Retirement Number Using the 4% Rule36:16 - The One Thing to Do If You're Not Investing Yet38:46 - Lightning Round: Roth vs. 401k, DIY vs. Advisor, and MoreKEY TAKEAWAYS:Why investing feels hard on purpose — and how to cut through itThe difference between investing and trading (and why most people confuse them)How to determine your investor type before picking a single fundWhy your 401k money might be sitting uninvested without you knowingHow to use the 4% rule to calculate your actual retirement numberWhy the compound interest calculator is the mindset shift you didn't know you neededWhy the answer isn't cutting back — it's making more moneyCONNECT WITH CHLOE:Instagram: @clobaremoneycoachWebsite: https://www.thelazyinvestorscourse.com/ TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

At the time of recording this episode, Bad Bunny has just made history—TWICE. First Spanish-language artist to win Album of the Year at the Grammys. Then he delivered the most-watched Super Bowl halftime show of ALL TIME. But this episode isn't just about celebrating Benito's wins (though we're absolutely doing that too). It's about what this moment means for ALL of us—especially right now, when being Latino has been demonized and criminalized in this country.Just a heads up that this episode is a replay of a recent Instagram live I did post-superbowl and the audio reflects that in some parts. WE GET INTO:0:00 - Intro: Happy Puerto Rican Month!2:42 - The Best Halftime Show Ever4:47 - Why Unity Over Division Matters Right Now7:12 - Bad Bunny's Cultural Impact & Timing9:38 - The American Dream Story We Can All Relate To15:30 - Breaking Down THAT Grammy Win22:15 - Benito's Activism: From Day One28:45 - The Super Bowl Performance Analysis35:20 - Ricky Martin's Powerful Appearance40:10 - Understanding "El Apagón" & Puerto Rico's Reality45:02 - Hurricane Maria's Lasting Impact47:06 - How Non-Puerto Ricans Can Actually Help48:30 - The Flag Parade & Unity Message50:48 - Community Growth & Connection52:50 - Closing: Rock Your Flags & Stay PoderosaKEY TAKEAWAYS:Bad Bunny became the first Spanish-language artist to win Album of the Year at the GrammysHis Super Bowl halftime show was the most-watched of all timeThis moment represents Latino power, visibility, and refusal to stay smallBenito's activism isn't performative—he's been consistent since day oneThe halftime show featured powerful moments like the kid sleeping in the chair, the flag parade, and Ricky Martin's appearancePuerto Rico cannot vote for president and has no voting representation in CongressWe can support Puerto Rico by staying at locally-owned businesses, eating at local restaurants, and voting for representatives who support pro-Puerto Rico policiesReading Puerto Rico's history reveals shocking treatment by the U.S. including birth control testing, military testing, and bombingUnity over division is the path forward—they want us divided to maintain controlWe are taking over the world on our own terms, in our own language, for our own peopleThis is a reminder to rock our flags, tell our stories, and stay loudTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.  Hosted on Acast. See acast.com/privacy for more information.

Welcome To Perreo x Power, a new series brought to you by Yo Quiero Dinero. In this series, we're analyzing the origins of some of the biggest stars in the Latin Urban/Reggaeton genres and pulling out all the gems that you can apply to your money, business and life! In this debut episode, I'm breaking down a 2020 interview of Rauw Alejandro, Puerto Rican singer, songwriter, and performer known for blending reggaetón with R&B, pop, and electronic sounds. Born Raúl Alejandro Ocasio Ruiz in San Juan, he grew up between Puerto Rico and the mainland U.S., with early exposure to music and a strong foundation in dance, which later became a defining part of his artistry.He spent years releasing music and refining his craft before breaking through globally, building a reputation for high-level performance, futuristic visuals, and constant reinvention. Rather than chasing trends, Rauw has focused on skill stacking and evolution, allowing him to remain relevant in a fast-moving industry. Find out how a tragic end to his original career goals inspired Rauw to pursue music, and he went from an unknown musician to a Latin Grammy award-winning artist in less than 5 years!Saturno Playlist: https://youtube.com/playlist?list=OLAK5uy_kIVZbDqHZEqhCdjjEMm-PoYy0l3GpXHto&si=MNm7VFD8ny_DfLn1Check out the Yo Quiero Dinero Podcast at https://yoquierodineropodcast.com/Watch the video version of this episode on YouTube.TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemail Hosted on Acast. See acast.com/privacy for more information.

In this data-packed episode of Yo Quiero Dinero, Jannese sits down with Dr. Marlene Orozco, founder of Stratified Insights and lead researcher behind one of the most comprehensive studies ever conducted on Latina wealth in America. Together, they break down the receipts real numbers, real stories, and real systems that explain why Latinas continue to earn less, save less, and carry more financial responsibility, despite being one of the fastest-growing economic forces in the country.This conversation goes beyond hot takes and dives into the structural barriers, cultural expectations, and systemic inequities shaping Latina wealth today from entrepreneurship and homeownership to caregiving, education, and retirement. If you’ve ever felt like you’re working twice as hard for half the reward… this episode will make you feel seen and fired up.What We Get Into00:00 Why this Latina wealth data matters01:10 Meet Dr. Marlene Orozco04:25 First-gen roots & entrepreneurship09:30 Necessity vs opportunity businesses12:50 The Latina wealth paradox17:45 The 27% pay gap explained23:50 Entrepreneurship as a wealth strategy29:55 Homeownership & credit barriers34:10 Retirement & investment gaps37:45 Financial first responders47:40 The motherhood penalty56:20 Hope, policy & what’s nextKey TakeawaysLatinas are not behind because of bad choices — the system is working exactly as designed.Education and entrepreneurship do increase earning potential, but they are not enough without access to capital and policy support.Caregiving, cultural expectations, and family responsibility significantly limit Latinas’ ability to save and invest.Homeownership remains a primary wealth strategy, but affordability, credit access, and insurance risks threaten long-term stability.Real change requires structural solutions, not just individual financial literacy.Resources MentionedREPORT - Latina Wealth In America: https://latinoprosperity.org/research,Latino AI Summit: https://tinyurl.com/latinoaisummit2026 Stratefied Insights: https://www.stratifiedinsights.com/ Marlene's LinkedIn: https://www.linkedin.com/in/marlene-orozcoFree Download: New Year Dinero Reset GuideMy private membership: https://courses.yoquierodineropodcast.com/foundersHave a question? Leave me a voicemailBook: Financially Lit by Jannese TorresThis podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

In this episode of Yo Quiero Dinero, Jannese sits down with Mariana Barajas, licensed therapist and money coach aka @lamoneytherapist to unpack the deep, emotional connection between mental health and money.From first-gen pressure and eldest-daughter trauma to scarcity mindsets, over-spending, money hoarding, and burnout, this conversation goes beyond budgeting tips and gets to the root of our financial behaviors. Because let’s be real: most of us already know what to do with money—what stops us is what’s happening in our nervous system.Mariana breaks down how childhood experiences, cultural conditioning, and subconscious beliefs shape the way we earn, spend, save, and invest—and what it actually takes to heal your relationship with money.If you’ve ever wondered why you can’t keep money, why you’re afraid to take financial risks, or why success still doesn’t feel like enough… this episode is for you.What We Get Into00:01 – 02:00Mariana’s background as a licensed therapist and money coachWhy mental health and financial wellness must be treated holistically02:01 – 05:00First-gen upbringing, eldest daughter pressure, and seeking parental validationHow childhood emotional neglect can shape adult ambition and burnout05:01 – 07:45Growing up with limited financial resourcesHow early awareness of money scarcity impacts confidence and decision-making07:46 – 10:10The fast dopamine hit of spending once you “finally make it”How retail therapy can quietly lead to debt and lifestyle inflation10:11 – 13:20Identifying subconscious money beliefsIntroduction to financial therapy and why budgeting alone isn’t enough13:21 – 15:30The Money-Worthiness FrameworkChallenging limiting beliefs, building self-trust, and the role of community15:31 – 18:10People-pleasing, and cultural expectations placed on womenHow these beliefs impact earning, saving, and self-advocacy18:11 – 21:45Preparing for motherhood financially and emotionallyFunding maternity leave, wellness practices, and not losing yourself in motherhood21:46 – 24:00Fear-based money behaviors: hoarding, anxiety, and controlUnderstanding where “fear of losing everything” really comes from24:01 – 27:15Why some people can’t hold onto moneySpending as a reflection of worthiness wounds and external validation27:16 – 30:45Values-based spending vs. keeping up appearancesLetting go of money decisions driven by comparison30:46 – 33:45Increasing income as a wealth strategyBreaking limiting beliefs around “acceptable” income in helping professions33:46 – 36:30Building generational wealth with intentionCustodial Roth IRAs, 529s, and giving kids financial options36:31 – 39:30Why funding your retirement is a gift to your childrenBreaking cycles of financial dependence and self-sacrifice39:31 – 41:45Supporting family financially without destroying your mental healthThe emotional weight of being the “sandwich generation”41:46 – 44:40How to work with MarianaFinancial therapy vs. coaching and knowing which one you needKey TakeawaysYour money habits didn’t come out of nowhere—they were learned.Scarcity isn’t just financial; it lives in your nervous system.Over-spending and under-earning often stem from worthiness wounds.Budgeting won’t fix trauma—but healing trauma will fix your money.You don’t need to do it all alone—community is part of wealth-building.Generational wealth is built over generations, not in one lifetime.Resources MentionedLatinx Therapy – Find culturally aligned therapistsFree Download: New Year Dinero Reset GuideA 10-step checklist to reset your finances for the new year — covering debt, budgeting, investing, insurance, and estate planning.Have a question? Leave me a voicemailBook: Financially Lit by Jannese TorresConnect with MarianaInstagram: @lamoneytherapistOffers:Financial Therapy (California residents)Financial Coaching (nationwide).This podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.