'Tis the season to be jolly! It's tax refund season for most people. Want to learn my top 6 Ways to make your tax refund work for you in 2023? Then tune in to this episode!

Notes:

In this episode Luis talks about:

• Different types of accounts to make your money work for you

• Credit card payment strategies

• Different types of investment accounts

• Protecting Your Family

• Investing in Yourself

Resources:

Download the 3 Fundamental "Money Moves" to Make Before Turning 45

The BLX Internship Program

Learn About Series I Savings Bonds

Learn About 529 Plans

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On My Way to Wealth YouTube Channel

4 Things Every Solopreneur Should Know!

Whether you have a side hustle or left your job to become a business owner, there are things that you should do in order to operate your business more efficiently. Tune in to learn the 4 things every solopreneur should know!

Notes:

In this episode Luis talks about:

• Keeping business and personal separate

• Forming a legal business entity

• Paying estimated taxes during the year

• Planning for your own retirement

Resources:

Download the 3 Fundamental "Money Moves" to Make Before Turning 45

The BLX Internship Program

Apply for an Employer Identification Number (EIN)

Making Estimated Tax Payments to the IRS

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On My Way to Wealth YouTube Channel

Roth IRAs are a great way to have tax free income in retirement. If you have pre-tax funds in a Traditional IRA or 401K, you may benefit from converting those funds into a Roth IRA. Tune in to learn strategies you can use and the pro's and con's to help you make an informed decision.

Notes:

In this episode Luis talks about:

• What is a Roth IRA?
• How much you can contribute to a Roth IRA
• What is a conversion and how does it work?
• The pro's and con's of doing a Roth conversion
• The benefits of doing a Roth conversion when the stock market is down

Resources:

Download the 3 Fundamental "Money Moves" to Make Before Turning 45

The BLX Internship Program

Luis' LinkedIN

Luis' Twitter

Luis' IG

On My Way to Wealth YouTube Channel

In the newest episode of On My Way to Wealth, I sit down with Andres Mazabel, Head of Advisor Solutions at Trust & Will. Having spent 10+ years in private banking, he's now on a mission to help advisors implement estate planning and deliver comprehensive planning. Andres views estate planning as a huge opportunity for financial advisors to deepen relationships, add value, and implement legacy planning conversations.

Notes:

In this episode Luis and Andres talk about:

-What you need to know about estate planning

-What is probate?

-Choosing a guardian for your children

-The difference between a trust & a will

Resources:

Trust & Will

Download the 3 Fundamental "Money Moves" to Make Before Turning 45

The BLX Internship Program

Luis' LinkedIn

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On My Way To Wealth YouTube channel

If you have been watching the news or scrolling social media, you may have noticed some large companies have recently laid off thousands of their employees. Being laid off and not having that steady income can be scary for many people. Tune in to hear my six money moves you should make after being laid off.

Notes:

In this episode Luis talks about:

• Reviewing your severance package & expenses
• How a financial advisor can help you navigate life after a layoff
• Resources available to you after being laid off
• Figuring out a plan for healthcare

Resources:

Healthcare.gov

COBRA Health Insurance Continuation

Download the 3 Fundamental "Money Moves" to Make Before Turning 45

The BLX Internship Program

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On My Way to Wealth YouTube Channel

Many people take advantage of the new year to make new year's resolutions. Some people decide to go on a diet, start a new fitness regime or learn a new hobby. If your new year's resolution is to budget, then I'm going to give you a few tips on how to create financial success in 2023. The word budget does not have to be a scary word. In this episode, I talk about creating a budget that gives you the ability to enjoy your life and still do things you love so you don't feel like you are restricting yourself. Small changes over time lead to big results!

Notes:

In this episode Luis talks about:

-Simple steps to help reach your financial goals in 2023

-Why the word budget doesn't have to be restrictive

-How to be strategic about where you put your dollars

-Why money dates with your partner are important for budgeting

-What is a balance transfer, and can it help me?

Resources:

Download the 3 Fundamental "Money Moves" to Make Before Turning 45

The BLX Internship Program

Luis' LinkedIn

Luis' Twitter

Luis' IG

On My Way To Wealth YouTube channel

Atomic Habits by James Clear

In this episode Luis talks about:

• Long-term cost and benefits of buying a home vs. renting
• The biggest difference between renting and owning
• Cost-benefit analysis and what you are able and willing to spend
• How much of your time can you invest into home ownership
• Bottom line for Gen Z

Resources:

Read Luis's Article Here!

Lets Make a Plan Website

Download the 3 Fundamental "Money Moves" to Make Before Turning 45

The BLX Internship Program

Luis' LinkedIn

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On My Way To Wealth YouTube channel

In today's episode, Luis speaks with Louis Barajas. Louis is the first Latino CERTIFIED FINANCIAL PLANNER™ pro, speaker, author, and entrepreneur. Growing up in East Los Angeles to Mexican immigrant parents, Louis was passionate about imparting financial wisdom to the unbanked Latin community. However, seeing the deficiency in just financial planning, he was inspired to help his community achieve success. It's about putting people first, financial planning, and finally, financial doing! Louis is certainly the man who practices what he preaches. Listen and be inspired by his trailblazing journey of overcoming a poor financial mindset to being one of the best in the industry and helping others by empowering them to take control of their lives.

In this episode Luis and Louis discuss:

How Louis made it to where he is today Louis' new PBS show, Opportunity Knocks Empowering people vs just doing it for them Community Development Financial Institutions Opportunity Finder search tool

Resources: Louis' Website: www.louisbarajas.com Louis' LinkedIn: www.linkedin.com/in/louis-barajas/ Louis' Twitter: @louisbarajas Louis' Instagram: @louisbarajas Louis' Facebook: www.fb.com/LouisBarajas

Louis Barajas Books Opportunity Knocks

Download the 3 Fundamental "Money Moves" to Make Before Turning 45 The BLX Internship Program

There's still time to make some money moves in 2022. Tune in to episode 128 to learn what you can do to end 2022 strong and start 2023 with great momentum.

Notes:

In this episode Luis speaks about the following:

• Student Loan Payments Resuming
• Reflecting on Life Changes That Happened During the Year
• Rebalancing Your 401K and the New Contribution Limits
• New Contribution and Income Limits for Roth IRAs
• Opportunities before Year-end and Starting 2023 with a Bang!

Resources:

Download the 3 Fundamental "Money Moves" to Make Before Turning 45

The BLX Internship Program

Luis' LinkedIn

Luis' Twitter

Luis' IG

On My Way To Wealth YouTube channel

Ramona immigrated from Romania, was raised in Chicago, IL and resides in sunny Phoenix, AZ. A Navy veteran, she served in the Navy during Operation Iraqi Freedom and Operation Enduring Freedom. She is passionate about her community and gives back by teaching Financial Literacy to women in transition, and volunteers with Hospice of the Valley.  Ramona lives by the motto: “It takes a village” and realizes the importance of professional and personal networking relationships. In her free time, she enjoys hiking with her Blue Heeler pup and traveling abroad.

Notes:

In this episode Luis and Ramona discuss:

-How Ramona decided to pursue a career in financial planning

-Teaching financial literacy

-Ramona’s philosophy of “it takes a village”

-Overcoming challenges when it comes to networking

 Resources:

Ramona's LinkedIn

Ramona's Twitter

Family Wealth Management Group

Download the 3 Fundamental “Money Moves” to Make Before Turning 45

LatinXcellence, more than a brand, it’s a movement!

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On My Way To Wealth YouTube channel