Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.
Linda coaches us on how to deal with our emotions as the market fluctuates.
There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!
Produced by Cosmic Standard & Linda Garcia
https://www.inluzwetrust.com/wealthwarriorbook

Listen early and ad-free for $5/mo on Patreon
https://www.patreon.com/Investies

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Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and founder of In Luz We Trust, is dedicated to empowering BIPOC and Latinx communities through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence, championing equity and representation for all, especially immigrants and marginalized communities. As a financial feminist, she encourages listeners—regardless of political affiliation, be it Republican or Democrat—to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping diverse communities build wealth and secure their place in today’s financial landscape.

Linda unpacks capital gains–what they are, and how investors can use them to their advantage. She also discusses how investors use taxes on capital gains to their advantage. As you probably know already, folks who are farther along their financial journeys and have been investing for years are well aware of how to make capital gains work for them come tax season. That said–many of the wealthiest investors use capital gains as something akin to a tax loophole. As a part of her presidential campaign, Vice President Harris is proposing a tax policy aimed at the ultra wealthy, who have been exploiting capital gains for some time. This would also relieve the tax burden of the rest of us somewhat. 

There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!

⁠Here is the episode Linda mentioned regarding the ultra-wealthy.⁠

⁠https://www.patreon.com/Investies⁠

⁠https://www.inluzwetrust.com/wealthwarriorbook⁠

Produced by ⁠Cosmic Standard⁠ & ⁠In Luz We Trust

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Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and founder of In Luz We Trust, is dedicated to empowering BIPOC and Latinx communities through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence, championing equity and representation for all, especially immigrants and marginalized communities. As a financial feminist, she encourages listeners—regardless of political affiliation, be it Republican or Democrat—to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping diverse communities build wealth and secure their place in today’s financial landscape.

We're featuring an episode from our archives. Linda discusses custodial accounts, and how transformative they can be. She speaks to the necessity of financial education for communities of color.

There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!

Produced by Cosmic Standard & In Luz We Trust⁠ https://www.inluzwetrust.com/wealthwarriorbook⁠

Patreon ⁠https://www.patreon.com/Investies

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.
Linda unpacks Trump Accounts--stock market accounts for newly born American citizens. We're taking advantage of rare good policy from the Trump administration to help our kids build their own wealth and increase their financial literacy. We did a lot of research for today's episode. Here are our sources + helpful links:
Wealth warrior the course for purchase at wealthwarriorcourse.teachable.com
Official Resources
•  trumpaccounts.gov — Official portal & enrollment
•  irs.gov/trumpaccounts — IRS guidance & Form 4547
•  IRS Notice 2025-68 — Detailed regulatory guidance
Key Facts at a Glance
•  Launch date: July 5, 2026
•  Government seed: $1,000 (births 2025–2028)
•  Annual contribution cap: $5,000 (indexed to inflation from 2028)
•  Employer contribution cap: $2,500/year
•  Investment: Low-cost U.S. equity index funds, 0.10% expense cap
•  Withdrawals locked until age 18; then traditional IRA rules apply
•  No earned income requirement; no income cap for contributors
Sources Referenced
•  Vanguard: “What to Know About the New Trump Accounts for Kids”
•  Charles Schwab: “The Ins and Outs of the New Trump Kids’ Accounts”
•  Fidelity: “What Are Trump Accounts and How Do You Open One?”
•  J.P. Morgan / Chase: “Trump Accounts: Should You Open One for Your Child?”
•  Center for Retirement Research at Boston College
•  NBC News, Washington Post, PBS News Hour
There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!
Produced by Cosmic Standard & Linda Garcia
https://www.inluzwetrust.com/wealthwarriorbook

Listen early and ad-free for $5/mo on Patreon
https://www.patreon.com/Investies

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.
In this week's episode, Linda sits down with the founders of Tuyyo Foods, Regina Trillo, Stefanie Turner, and Jocelyn Ramirez. They discuss how the merger of their 3 companies has been a success, why their personalities work so well together, and a way to get involved in their work.
There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!
Produced by Cosmic Standard & Linda Garcia
https://www.inluzwetrust.com/wealthwarriorbook

Listen early and ad-free for $5/mo on Patreon
https://www.patreon.com/Investies

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.
This week, Linda shares 2 stories that are unfolding within the tech sector, and uses a story from the California Gold Rush to help us better understand the current AI boom. She also explains the major ups and downs in the stock market this past week.
There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!
Produced by Cosmic Standard & Linda Garcia
https://www.inluzwetrust.com/wealthwarriorbook

Listen early and ad-free for $5/mo on Patreon
https://www.patreon.com/Investies

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.
This week is the final part of Linda's 3-part series on shareholder superpowers. Parts 1 and 2 were about the power of your vote and voice, and part 3 covers the power of walking away and selling your shares. Linda also goes over what took place this week in the marketplace.
There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!
Produced by Cosmic Standard & Linda Garcia
https://www.inluzwetrust.com/wealthwarriorbook

Listen early and ad-free for $5/mo on Patreon
https://www.patreon.com/Investies

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Voting is powerful — but it only happens once a year. So what do you do the other 364 days? In Part 2 of our three-part "Shareholder Superpowers" series, Linda hands you the tools to plug into a company like you're on the inside: the Investor Relations department whose literal job is to answer investors, the quarterly earnings calls you can listen to for free (the same calls Wall Street analysts are on), and the SEC filings — the 10-K, 10-Q, and 8-K — where the real, legally-verified numbers live. None of it costs a dollar. Almost nobody uses it.

We also cover the one shareholder superpower that's currently in danger. Qualifying shareholders can put their own idea on the ballot under SEC Rule 14a-8 — a rule whose predecessor dates back to 1942 — but the SEC has stopped refereeing the process, a December 2025 executive order directed the agency to consider rescinding the rule, and the SEC's own chairman has publicly questioned whether it should exist. Corporate law firms are already writing memos about a "post-Rule 14a-8 world." We lay out the case for repeal and the case against it, and let you decide.

Market open: the Iran ceasefire collapsed, oil jumped about 7%, and the Dow gave back an all-time record it had just set on Monday — while the S&P and Nasdaq finished the week green. One red index, two green, and a lesson in why "the market" is not one thing. Plus: the Fed is stuck (and its own dot plot now leans toward a hike, not a cut), and earnings season kicks off with five of the biggest U.S. banks reporting.

Your homework this week: pick ONE company reporting earnings, and listen to fifteen minutes of the call. You won't understand every word. That's not the point. The point is that you sat in the room.

Produced by Cosmic Standard & Linda Garcia

https://www.inluzwetrust.com/wealthwarriorbook

Listen early and ad-free for $5/mo on Patreon
https://www.patreon.com/Investies

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.
This week, Linda begins a 3-part series on shareholder superpowers, covering the uncommon investing knowledge that you should know. Part 1 is about understanding the voting power that investors are given when they purchase a share in a company. She also dissects what took place this week in the stock market.
There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!
Produced by Cosmic Standard & Linda Garcia
https://www.inluzwetrust.com/wealthwarriorbook

Listen early and ad-free for $5/mo on Patreon
https://www.patreon.com/Investies

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.
This week, Linda breaks down what the Dow Jones is, and what role it plays in your investment portfolio. She also gives a market update, and the Space X IPO keeps making waves across the stock market.
There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!
Produced by Cosmic Standard & Linda Garcia
https://www.inluzwetrust.com/wealthwarriorbook

Listen early and ad-free for $5/mo on Patreon
https://www.patreon.com/Investies

Learn more about your ad choices. Visit podcastchoices.com/adchoices