Latina Financial Education, Investing & Wealth Building: MoneyChisme

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After 14 years of military service, I’m finally doing what many dream of—building our own homestead in Texas. On 10 acres of land filled with mesquite and cactus, we're creating a slower, freer life on our terms.

Military life taught me stability, but building a homestead, as a First Gen Latina had some challenges. In this episode I share my decision to build a manufactured home instead of a barndominium and the costs that go along with it.  

From deciding to leave the military after post-COVID-19 mindset shift, to buying 10 acres of land without ever seeing it in person, to figuring out how to pay for it, it was a journey with many ups and downs. 

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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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Many new Latino Real Estate Investors feel stuck before they even start their real estate investing journey. That nagging voice in your head questioning your abilities or resources isn't just annoying—it's a limiting belief actively holding you back from building wealth.

As a first-gen Latina investor, I've battled these mental barriers firsthand. The truth is, these limiting beliefs—"I need to have it all figured out," "I don't have enough money," "ambition is selfish," and "I don't know where to start"—are psychological barriers masquerading as practical problems. They're rooted in deeper issues: fear of failure, scarcity mindset, concerns about judgment, and information overwhelm. Recognizing the real source of resistance is half the battle.

Check out THE BLOG for more!

Ready to break through these mental barriers and start building wealth through rental properties? 

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Resources:

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

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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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Lindsay Barrientos shares her journey from Peruvian immigrant to real estate investor, showing how regular people can build wealth through property investment even without massive capital or experience. Her story proves that our community can overcome financial barriers and cultural money mindsets to create passive income streams and build generational wealth.

• Born in Peru and immigrated at 16, learning English and American financial systems simultaneously 
• Used nursing career to build initial capital while educating herself through books and social media
• Purchased first investment property in Indiana for $135K while living in California
• Successfully executed a BRRRR strategy using HELOC funds despite setbacks including a property fire
• Emphasizes networking with other investors and learning from YouTube creators investing in target markets
• Advocates shifting perspectives on debt to understand the difference between good debt for assets versus bad debt for liabilities

Find Lindsay on YouTube and Instagram at "LINdoes investing" to follow her journey and learn more about real estate investing strategies for Latinas.

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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
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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Have you ever had life completely derail your carefully constructed financial plans? That pivotal moment when reality forces you to completely reimagine what you thought your future would look like? What do you do next?

This episode is for my First Gen wealth builders who are navigating financial uncertainty and who've worked relentlessly to overcome barriers only to face new obstacles. I share my own recent dilemma of being forced to pivot with these uncertain economic times. 

I also share my insights on managing expectations, recognizing when resistance is actually guidance, and redefining success on your own terms. Most importantly, you'll discover that pivoting doesn't equal failure - sometimes it's the most resilient path forward.

Follow me on Instagram for additional resources from experts in our community helping us not just survive uncertainty, but position ourselves to thrive.

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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What happens when a successful attorney discovers she has the financial literacy of a teenager? Attorney Heather Reese's journey from financial blindness to rebuilding her life after divorce at age 32 offers a raw, honest look at how money silence can impact anyone—regardless of education or career status.

Heather's story challenges the polished narratives often presented by financial influencers, offering instead a messy but authentic journey of rebuilding. "If a lawyer doesn't have it together, then it is not embarrassing if you don't have it together," she reminds listeners. Her experience demonstrates how financial literacy isn't automatically acquired through education or career success—it requires intentional learning, often through difficult personal experiences.

Follow Heather's continuing journey on Instagram at @heather_rxoxo, where she shares both struggles and victories. Have you ever had to rebuild your finances from scratch? Share your story with us and join the conversation about breaking the money silence.

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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Jhoanna Astudillo shares her journey from Ecuador to the US, highlighting how first-generation Latino immigrants often lack financial literacy while unconsciously developing money habits that influence future generations. Her personal story reveals how cultural backgrounds shape our relationship with money and the importance of changing narratives for our children.

• Experiencing the "ghost in the country" phenomenon when denied credit despite having savings
• Catching herself passing down unhealthy money messages to her daughter
• Working as Hispanic Segment Leader at BOKF to create financial education workshops

Take the first step toward better financial habits. You don't have to do it alone, and it's never too late to change the cycle for yourself and future generations.

Check out the blog for more.

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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La incertidumbre económica y el alto costo de vida exigen ajustes estratégicos para mantener la estabilidad financiera sin perder nuestros valores culturales. En tiempos difíciles, mantenerse educadx financieramente es un acto de resistencia.

• Reconoce el estrés económico, pero no te desconectes de la información
 • Tómate pausas para procesar emociones antes de volver a la acción
 • Ajusta decisiones grandes como mudanzas o cambios de carrera
 • Prioriza tu fondo de emergencia y paga deudas como medida de protección
 • Diversifica tus inversiones: no todo es la bolsa, considera bienes raíces
 • Busca ingresos pasivos que ayuden con el costo de vida
 • No te aísles: mantén la conexión con tu comunidad
 • Inspírate en la resiliencia de nuestrxs antepasadxs inmigrantes
 • La educación financiera te da poder: personal y colectivo
 • Usa tu voz y tu dinero para apoyar a lxs más vulnerables

Comparte este episodio con alguien que lo necesite y mándame un DM en Instagram con tus ideas o sugerencias para futuros temas.

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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Economic uncertainty is creating financial anxiety for the Latino community, but we can take practical steps to reduce stress and regain control during these challenging times. The key is acknowledging our feelings while developing new strategies to navigate rising costs, stock market volatility, and potential recession.

• Face economic reality without letting it overwhelm you
• Adjust your financial plans and consider scaling back major purchases
• Learn financial literacy as a form of resistance and empowerment
• Consider real estate investing for monthly cash flow and financial stability
• Diversify investments between stocks, bonds, and tangible assets
• Connect with community rather than isolating during stressful times

More on the blog

Share this episode if you found it helpful, and remember: ánimo, let's keep our heads up and survive this craziness together.

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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Nancy Sasaki, President and CEO of United Way of San Diego County, shares how their Earned Income Tax Credit Coalition provides free tax preparation for those making under $67,000 annually. She explains the importance of financial literacy and how their programs help community members build economic mobility.

• Free tax preparation services available by calling 211 in San Diego County
• Trained volunteers often understand the specific needs of lower-income individuals better than paid preparers
• The SparkPoint program offers financial literacy coaching to increase income, savings, credit scores, and reduce debt
• Bank On program helps people learn to trust financial institutions and manage their money effectively
• United Way partners with 45 organizations throughout San Diego County to provide comprehensive services
• Individual Taxpayer Identification Numbers (ITINs) allow those without Social Security numbers to file taxes legally
• Financial literacy education extends to both young people and their families

Call 211 to find free tax preparation services near you, or visit uwsd.org to learn more about United Way's programs.

Check out the blog for more!

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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No es un secreto que la educación financiera sigue siendo un gran obstáculo para los latinos. ¡Sé que lo fue para mí! Aprendí todo a la mala. Pero vamos a empezar a cambiar eso. Aquí tienes algunos consejos sencillos sobre finanzas personales, dirigidos a la comunidad latina para que comiences a tomar el control de tu dinero.

Mas en el blog

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.