Latina Financial Education, Investing & Wealth Building: MoneyChisme

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From doubting herself to rocking it as a life and business coach, Rosie Arango, is all about helping other Latina entrepreneurs shift their mindset from 'not enough' to 'more than qualified'. In this transformative episode, Rosie shares her journey of overcoming self-doubt to embracing her worth and expertise.

Get ready for some real talk on owning your worth, insights and strategies to embrace your full potential and thrive in both life and business!

They say that every setback is a setup for a comeback, and Rosie Arango is living proof. As our esteemed guest on the Money Chisme podcast, this first-gen Latina life and business coach shares her remarkable journey from franchise ownership to tech, and coaching. Her story exemplifies the resilience of the entrepreneurial spirit, especially within the Latina community, and serves as a powerful reminder that our past experiences are the bedrock on which we can build our future successes. Rosie's candid account of overcoming obstacles and ditching self-doubt is the motivation we all need to confidently chase our business dreams.

Have you ever faced a moment when the odds seemed stacked against you? I sure have. In a heartfelt discussion, I revisit my own trials. Rosie and I celebrate these stories of grit and growth, inviting you to join us for a session filled with insights and inspiration that underscore one undeniable truth: perseverance coupled with a strategic mindset is your ticket to rising above competition and succeeding in the world of entrepreneurship.

About this week's Guest:
Rosie Arango is a life and business coach, First Gen Latina and homeschooling parent. After, closing her franchise, due to Covid, she then became the Chief of Operations of a tech company but now is pivoting into being a life and business coach.

You can reach Rosie on Instagram Rosie.Arango

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Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
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Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

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Is the American Dream of owning a home still alive or dead? Is homeownership today, no longer an investment?  With the high interest rates and high sale prices, and the high cost of maintaining a home, many don't see owning a home as an investment or even worth it anymore.

Gone are the days when a white picket fence was the ultimate American dream. In fact, many see it as a liability versus an asset it used to be. Owning a home now might be more about planting personal roots than expecting financial fruit. I take a hard look at the risks and realities of homeownership, given the dizzying heights of interest rates and a property value balloon that may be destined to pop. Maintenance costs, market saturation, and the looming threat of depreciation – these are the specters at the feast, and I'm shedding light on how they impact your decision to buy in what has become a volatile financial landscape.

Transforming a piece of land into a living, breathing asset portfolio is something I know a thing or two about, and I'm thrilled to guide you through the labyrinth of property investment and management. Strategy is key when it comes to tax-saving and income generation, and I'm sharing mine – from beekeeping for agricultural exemptions to creating a hub of business and rental opportunities. Planning for a workshop and delving into the legal nitty-gritty of establishing LLCs, I outline how my land is more than just scenery; it's a canvas for financial creativity. Whether you're intrigued by the idea of tiny home rentals or just looking for ways to make your land work for you, this conversation is an open door to thinking outside the traditional homeownership box.

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

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Hola! Aprende cómo gestionar tus finanzas personales y dinero con estos 5 pasos efectivos. Descubre cómo tomar el control de tus finanzas y alcanzar tus metas económicas.

Descubre cómo tomar las riendas de tu economía personal y prepararte para un futuro sólido, incluso si no te enseñaron sobre finanzas desde joven. En este capítulo especial de Money Chisme Podcast, me acompaña la experiencia y te comparto mis propias vivencias como inmigrante mexicana, inversionista y emprendedora para guiarte por cinco pilares fundamentales en la gestión de tus finanzas. Aprenderás a crear un presupuesto que funcione con el método 50-30-20, a superar las barreras financieras que muchos enfrentamos y a descubrir el poder de ahorrar inteligentemente, incluso en tiempos de inflación.

Juntos, exploraremos cómo construir tu puntaje de crédito y cómo las decisiones que tomas hoy pueden impactar tu capacidad de financiamiento en el futuro. Además, te revelaré estrategias para maximizar tus ahorros de jubilación con cuentas como el 401k y el IRA. El camino hacia la libertad financiera está lleno de opciones y aquí te ayudaré a elegir las que mejor se adapten a tu historia única. ¡No te pierdas esta oportunidad de empoderarte a ti mismo con conocimientos esenciales para tu bolsillo!

Links/Enlaces mencionados:
Descarga mi rastreador de presupuesto (Gratis)

Upgrade Cuenta de ahorros de alto rendimiento (Enlace de afiliado)

Obtenga su informe de crédito gratis

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

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Follow the inspiring journey of Lucy Ortega, a Latina entrepreneur, as she shares her tips and tricks for overcoming obstacles in starting and running a small business. Learn from her experiences and empower your own entrepreneurial journey.

In this episode, Lucy shares her journey from teaching to building a Mexican Cuisine business. Laving her teaching career to carve a new path as a Latina entrepreneur with Sierra Mexican Cuisine. In our latest podcast episode, Lucy shares the emotional and practical realities of building a business from scratch and honors the cultural heritage that fuels her drive. Her tale isn't just about serving up authentic Mexican dishes; it's a feast of lessons on adaptability, overcoming familial pressure, and the relentless pursuit of economic independence.

When tradition meets innovation, you find Latina entrepreneurs like Lucy. She reveals how she tackled the bureaucratic maze of permits and grants, and the pivotal business pivots that kept her company thriving. From the humble beginnings of a food trailer to securing coveted government contracts, Lucy's narrative is a tribute to the entrepreneurial spirit that resonates within our communities. Her insights serve as a rich source of guidance for anyone with a vision to transform their job into a lasting legacy.

Embracing the role of a mentor, Lucy discusses the crucial elements of mindset and resilience needed to weather the storms of entrepreneurship. She shares her coaching philosophy, which revolves around empowerment and authenticity, serving as a beacon for fellow business owners charting a similar course. Our episode wraps up with Lucia's encouragement to embrace the challenges and rewards of entrepreneurship, replete with her gratitude for the support of listeners like you. Don't miss out on this inspiring journey – tune in and discover how to harness your potential and leave a mark in the business world.

Guest Speaker Info:
IG: bylucyortega
Sierra Recipe e-book
www.bylucyortega.com

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

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Descubre que es invertir en bienes raíces y como invertir en bienes raíces para construir riqueza con esta guía detallada. Les doy mi 6 pasos pare empezar. Aprende los conceptos básicos, estrategias y consejos para invertir sabiamente en bienes raíces.

Descubre cómo pasé de ser una novata total en el ámbito inmobiliario a generar una significativa suma anual con mis propiedades. En este episodio te cuento todo sobre mi viaje personal en el mundo de la inversión en bienes raíces, desde mi primer "house hacking" hasta cómo fui construyendo y escalando mi cartera de propiedades. Te revelaré los desafíos que enfrenté, las estrategias que implementé y cómo la educación financiera en nuestro idioma fue un pilar fundamental en mi éxito. Acompáñame para que juntos exploremos la importancia de alinear nuestras inversiones con los valores y metas personales y descubre cómo puedes también tú empezar en este emocionante camino hacia la libertad financiera.

Hablemos de cómo un plan estructurado es vital para evitar esa parálisis por análisis que a muchos asusta. En el episodio de hoy, comparto cómo establecer metas claras y realistas, y la importancia de centrar los esfuerzos en una estrategia a la vez, todo basado en mi experiencia personal. También discutiremos el arte de ajustar nuestros planes de inversión para adaptarnos a los cambios en el mercado y nuestras propias vidas. Si estás listo para edificar tu patrimonio con inteligencia y paciencia, no te pierdas esta conversación donde te guiaré a través de los pasos necesarios para triunfar en el sector inmobiliario.

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

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As a new rental property investor, I did not know about the real estate tax benefits. I was focused on cash flow, but there are so many deductions with real estate investing that will help lower your tax liability. This means keeping more money in YOUR pocket, that you can invest!

In this episode, I go over the main tax benefits of real estate investing and how you can maximize your returns by taking advantage of deductions, depreciation, and other tax-saving strategies in real estate.

Learn about property depreciation, including the tantalizing option of bonus depreciation.  So if your rental property dreams haven't factored in the tax perks, it's time to listen up and let your wallet thank you later.

Remember, the tax road can be winding—always best traveled with expert guides like tax experts.

Episodes mentioned:
Tax Planning & Strategy with Sugey Piedra

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

Share Your Thoughts!

Welcome to a very special episode where I bare my soul about the rollercoaster ride of becoming a new mom through surrogacy and infertility. All of which was expensive! However, through real estate investing, I was able to build the funds needed. 

This week I share how I leveraged my real estate investments to fund my surrogacy journey. Surrogacy is taboo and it is an expensive process. However, with the equity of my home and the cashflow from rental properties, I was able to afford to fulfill my goal of having a family. 

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

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NAR settled on their Sitzer/Burnett class action Lawsuit. What are the effects that removing the standard 6% commission for real estate agents? In this episode, we discuss the possible outcomes and how it may spark change and innovation in the real estate market.

Is the 6% commission still justifiable with Artificial intelligence (AI) and other technology? Will sellers still offer seller-paid commissions? We discuss how real estate agents may be able to leverage technology to help keep costs down.

Mentioned in this episode:

Details on class action lawsuit

Previous Episode Discussing lawsuit

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

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Public speaking is a game-changer for entrepreneurs and small business owners. Learning how to leverage public speaking to grow your business can boost your income and put you on the path to financial freedom. Learn how to connect with your audience, build credibility, and expand your reach as an entrepreneur.

Public speaking is a must as an entrepreneur, content creator or business owner. The Latino community is booming and learning crucial public speaking skills is a must to share out stories and expertise.

Yvonne, an accomplished public speaker and host of "Chats with Yvonne," joins us to unravel how she turned those very fears into a stepping stone for success. In this week's chisme, we dive into how to transform our personal stories into compelling topics for speaking engagements.

Ready to elevate your public speaking game but unsure where to begin? Yvonne and I tackle the art of crafting your signature topic, guiding you through brainstorming to story development. We highlight the importance of authenticity, advising speakers to identify their essence with key adjectives and to align with speaking styles that resonate most. For introverts, who may find the stage a daunting prospect, we share a trove of strategies to harness your quiet strengths and create connections that reverberate.

About the Guest:
Yvonne Armata is an introverted public speaker who is empowering Latina's to embrace public speaking with cultura. She is the host of the podcast Chats with Yvonne.

How to reach Yvonne:
IG ChatswithYvonne
www.chatswithyvonne.com

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

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Interested in real estate investing with rental properties but don't know where to start? Follow these 6 steps to begin your journey as a real estate investor.

How do you start investing in real estate? Well in this episode, I go into how I would start if I was back to the 23 year old version of me that was just discovering what real estate investing was. I get into the 6 basic tips to help you start your real estate investing journey. 

Tune in as I share my own experience with house hacking, the ultimate game-changer for beginners. I give you tips to creating a financial plan that fits your lifestyle, whether it's managing roommates or picking out the perfect property, like cozy duplexes or cool granny flats. So, join in on this week's chisme as I map out the planning steps crucial to securing your financial future in the world of real estate.

Support the show

Sign Up for the MoneyChisme & Raíces Newsletter

Resources:

Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey

Open a High Yields Account
Support/Apoya MoneyChisme

Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.

*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.