In this episode, Bianca and Jerry dive into a common struggle for first-generation Latino millennials: the disconnect between earning a high income and feeling financially secure. Despite surpassing the earnings of previous generations, many families in 2026 feel "crushed" by inflation, cultural expectations, and the pressure of being the family's financial foundation.

We discuss the importance of shifting from a restrictive "debt-payoff" only mindset to one that prioritizes personal joy and strategic investments in oneself.

Visit our website: www.confianzawealth.com

Local spotlight: Costa Brava restaurant in Pacific Beach, CA

In this episode, Bianca and Jerry dive into a common struggle for first-generation Latino millennials: the disconnect between earning a high income and feeling financially secure. Despite surpassing the earnings of previous generations, many families in 2026 feel "crushed" by inflation, cultural expectations, and the pressure of being the family's financial foundation.

We discuss the importance of shifting from a restrictive "debt-payoff" only mindset to one that prioritizes personal joy and strategic investments in oneself.

Visit our website: www.confianzawealth.com

Local spotlight: Costa Brava restaurant in Pacific Beach, CA

We’re officially closing out the first quarter of 2026, and if we’ve learned anything so far this year, it’s that life doesn’t wait for you to be "ready."

In this episode, Bianca and Jerry get real about the trap of the "perfect time" and why waiting for everything to align is often just another form of procrastination.

Website: www.confianzawealth.com

In this episode, Jerry and Bianca break down the "language of taxes" for first-gen professionals. They share their personal journey from waiting until the last minute to file, to focusing on ways to keep more of their money throughout the year.

Is your tax refund a "gift" from the government, or is it just your own hard-earned money coming back to you late—and with less purchasing power?Lear more at: www.confianzawealth.com

In this episode, Jerry and Bianca pull back the curtain on the "human" side of building a business. Inspired by Bianca’s recent studies in Organizational Behavior, they discuss why the traditional advice of "just work hard" is often a trap for first-generation professionals.

They dive deep into the "first-generation" struggle of breaking the "work hard and keep your head down" mentality, the necessity of embracing failure, and why effective wealth management is actually a form of leadership and accountability. Claim the "FREE CLARITY GUIDE” to answer if your finances are working together or just in pieces? https://confianzawealth.myflodesk.com/jerry?utm_source=ig&utm_medium=social&utm_content=link_in_bio
Website: confianzawealth.com

In this episode, Bianca and Jerry tackle the massive stigma surrounding management fees. They get vulnerable about their own journey—realizing that even as industry experts, they needed to hire their own advisor to find peace in their marriage and clarity in their goals.

If you’ve ever felt like you "should" be able to figure this out on your own because the internet exists, this episode is for you. We break down the different types of advisors, the "hidden" fees in mutual funds, and why being a "DIY-er" might be the very thing keeping you stuck.
Claim the "FREE CLARITY GUIDE” to answer if your finances are working together or just in pieces? https://confianzawealth.myflodesk.com/jerry?utm_source=ig&utm_medium=social&utm_content=link_in_bio
Schedule your free initial consultation: https://www.confianzawealth.com/contact

Welcome back to a new era of Building Wealth From Scratch. In this episode, Jerry and Bianca pivot to a more conversational, "real-talk" style to pull back the curtain on what is actually happening in the U.S. economy.

While the stock market hits all-time highs, the "everyday American" is feeling the squeeze at the grocery store and paying the bills. We dive deep into why the U.S. is addicted to debt and why homeownership is about so much more than just a financial investment.

Claim our "FREE CLARITY GUIDE” to answer if your finances are working together or just in pieces? https://confianzawealth.myflodesk.com/jerry?utm_source=ig&utm_medium=social&utm_content=link_in_bio

Schedule your free initial consultation: https://www.confianzawealth.com/contact

Website: confianzawealth.com

In Episode 7 of Building Wealth From Scratch, Jerry and Bianca share real-life stories from the people who inspire them most: their clients.
They walk through powerful transformations of individuals and families who were working hard, but still felt stuck: drowning in debt, unsure how to invest, and frustrated by slow progress. From a single-income family of five that went from paycheck to paycheck to thriving, to a small business owner finally on track to buy a home, this episode proves what’s possible with the right strategy and support.
Confianza Wealth Management helps clients see tangible results in as little as 90 days. If you’re ready to stop figuring it out alone and want guidance tailored to your unique values and goals, this one’s for you.
Topics Covered:
- Real client case studies and financial turnarounds
- Investment strategy alignment for young professionals
- Small business tax planning and homeownership goals
- Building financial confidence through intentional planning
- How Confianza Wealth Management helps clients in just 90 days
- Why November is the best time to start building momentum

In Episode 6 of Building Wealth From Scratch, Jerry and Bianca break down what tax planning actually is, and why it’s one of the most overlooked strategies for building real wealth.
They walk you through the costly mistake of treating tax season like a once-a-year panic, and instead reveal how proactive planning (especially in September) can save you thousands come April.
Whether you’re a small business owner, a high-income household, or just starting to understand your tax picture, this episode gives you the tools to make smarter decisions with your money.
You’ll also hear updates from Jerry and Bianca’s personal journey, like Bianca starting her Master’s in Accountancy, Jerry’s take on new tax law changes, and a sneak peek at their upcoming podcast tour.
💡 Topics Covered:
What real tax planning looks like (hint: don't wait until next year)
Why September is the month to plan ahead
The cost of big refunds (and what to do instead)
Common small business tax mistakes
OBBBA tax updates
529 plans, auto loan interest deductions, and standard deduction changes
Why your tax preparer and financial advisor should always talk
The personal side of wealth building: education, transformation, and planning with purpose

Jerry and Bianca discuss retirement planning, and how the rules are changing and what to know for a better future.
They unpack the major shifts introduced by the Secure Act 2.0, including new incentives for business owners, Roth IRA updates, and expanded retirement access for employees. They also reflect on generational shifts in how people view retirement, the rise of financial independence, and why your 401(k) might not be enough.
Whether you’re a first-time wealth builder or small business owner, this episode will help you understand how to make smarter retirement moves today—and why it’s never too early to start.
Topics Covered:
• Why younger generations delay retirement planning
• Pensions vs. 401(k)s and the rise of DIY retirement
• Secure Act 2.0 explained
• Retirement options for small business owners
• Roth IRA income limits and strategy
• Pre-tax vs. Roth contributions
• Using retirement accounts for emergencies
• The FIRE movement and mindset shifts around work
• How to define your ideal retirement lifestyle