Book a Discovery Call for 1:1 Coaching
Sign-up for Roth IRA Office Hours 

In this episode, Rita-Soledad Fernandez Paulino (Soledad; they/them), a queer Mexican-American money and self-care coach, breaks down why lending money to loved ones often leads to resentment, false hope, and financial stress—especially for first- and second-generation wealth builders.

If you were raised to believe “if you have it, you give it,” this episode will help you unpack how that belief can impact your financial security and relationships.

You’ll learn why resentment is often a sign of giving beyond your capacity, why most people don’t have the cash flow to repay borrowed money, and how to shift from lending to intentional, grounded giving.

Soledad also walks you through how to create a Loved One Emergency Fund—a practical system that allows you to support your family without sacrificing your financial goals, boundaries, or peace.

This episode will help you:

If you want to build wealth while staying connected to your community, this episode is for you.

00:00 Welcome + Episode Overview
00:21 Why Lending Money to Loved Ones Can Backfire
01:21 How Expectations Lead to Resentment
02:22 Why Most People Can’t Pay You Back
04:12 The Shift: Lending vs Intentional Giving
05:27 What Is a Loved One Emergency Fund?
07:50 How to Set Rules, Limits, and Boundaries
09:12 Simple Scripts to Say No Without Guilt
10:01 Reciprocity: Giving and Receiving Support
10:53 Key Takeaways
11:59 How to Work Together + What’s Next
14:15 Disclaimer + Closing