Minority Money

What would you do differently if you knew how to handle your money?

Being knowledgeable about your money and finance, is the ticket to living a financially sound life. Money talks can be quite intimidating for some especially for minorities. However if you take the time to educate yourself and learn more about how to manage and grow your money, it can be empowering, and you'll have control over your finances.

Learn how to be smarter with every dollar you earn as my good friend, Pamela Capalad, the founder of Brunch & Budget joins us in this episode to talk about how you can change your relationship with money and focus on what matters most to you!

Pam will share how the idea of Brunch & Budget came to be and how she is empowering people of color to feel good about their money! She also talks about the value of financial education, saving up, budget, and how to wisely handle your money. We also touch on the topic of navigating homeownership, racial wealth divide, and business model that can help serve more people.

Highlights:

>> What is Brunch & Budget?

>> The inspiration behind Brunch & Budget

>> How Pam got into the field of finance

>> Navigating homeownership

>> Breaking down the racial wealth divide

>> The idea of keeping money in a savings account

>> Stories that helps us understand the racial wealth divide

>> Business models that can help serve more people

>> Changing your relationship with money

>> How to feel good about your money

Resources mentioned from this episode:

>> Brunch & Budget

>> Pam's Social Media:

LinkedIn

If you loved this episode, you have to listen to these episodes as well:

>> Teach, Hustle Inspire

>>Financial Planning for Educators

>> Secure Your Family’s Future through Estate Planning

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I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on Apple Podcasts, Spotify, Google Podcasts, or on your favorite podcast app and SHARE THIS with a friend.

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Let's Continue the Conversation! Head on over to the Facebook Group and let’s discuss how we can change the complexion of wealth (https://www.facebook.com/groups/423846561552747/) 

Want to chat with a fee-only financial planner? Shoot me an email at

In order to build wealth, you need equity. There are many ways to build equity, and equity compensation is one of them!

If your employer is giving you ownership shares as compensation for your good work then you’re on your way to accumulating wealth. As attractive as this sounds, what exactly is it?, how can it impact your financial plan? And how can it help change the complexion of wealth?

Join me in this episode, as I talk about wealth building through equity compensation with Malcolm Ethridge and Samuel Deane who are both amazing financial professionals that are making a positive impact in the black community!

Tune in as Malcolm and Samuel get into the nitty-gritty of what you need to know about equity compensation and how successful people like Jeff Bezos are utilizing it! They’ll also provide strategic ways to better your financial position!

Highlights:

>> What is equity compensation

>> How equity compensation can help change the complexion of wealth 

>> What attracted Malcolm into the equity compensation space

>> Samuel talks about his experience cold calling people for a living

>> Malcolm and Samuel talks about how Jeff Bezos’ equity compensation works

>> Example of what an equity count is and how to calculate it

>> How you can build wealth through equity compensation

>> Tactics and ways that Malcolm uses to help his clients 

>> Why equity compensation is similar to playing chess and not checkers

>> Samuel’s thoughts on generational wealth in the black community

>> Identifying the 3 things that you’re going to do next week to put yourself in a better financial position

Resources mentioned from this episode:

>> Malcolm Ethridge’s Social Media:

LinkedIn

Twitter

Instagram

>> Malcolm Ethridge website

>> Manage Your Damn Money Podcast

>> Samuel Deanne’s Social Media:

LinkedIn

Twitter

Instagram

>> Deane Financial

If you loved this episode, you have to listen to these episodes as well:

>> Secure Your Family’s Future through Estate Planning

>> Teach, Hustle Inspire

>> Financial Planning for Educators

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I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on Apple Podcasts,

Hispanic Heritage Month is almost over and as we wrap up, I’m bringing back my wife, Maricela to give us a brief recap of our episodes dedicated Hispanic Heritage culture!

Join us in this episode as we share our thoughts and what we picked from each episode. 

All the stories from our Hispanic friends were so impactful and filled with lessons and experiences that everyone can learn from. If you haven’t listened to it yet, I encourage you to go back and listen!

Highlights:

>> The cycles of working and spending

>> Leveraging what you know and who you know

>> Letting go of your fear

>> The gender wage gap

>> Having gratitude for the things that you have

>> Announcements from us!

Resources mentioned from this episode:

Hispanic Heritage Month Celebration Episodes:

>> Hispanic Heritage Celebration Month with Maricela Miles-Mattingly

>> Bringing Home the Dinero with “Latina Money” with Janet Cruz Padrón

>> Unleash Your Full Potential by Living Intentionally with Leena Mendoza

>> Gaining Financial Confidence Through Money Talks with Jen Hemphill

>> Building a Better Future through Holistic Financial Planning with Luis Rosa

If you loved this episode, you have to listen to these episodes as well:

>> The CARES Act 101

>> Teach, Hustle Inspire

>> An NFL Champion’s guide to Financial Literacy, Money Management, and Wealth

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Let's...

Our Hispanic Heritage Month celebration continues as Luis Rosa, CFP® EA, Founder of Build a Better Financial Future and host of the On My Way To Wealth Podcast of joins us to talk about what it's like to live in the US as a Spanish Immigrant!

In this episode, Luis shares his journey to success as a Latino and how he found his calling. We also touch on the common misconceptions related to Hispanic culture, and the importance of empowering minorities with the right mindset so they can take charge of their finances.

Luis also talks about what it's like to move to New York from Dominican Republic at the age of 11. He shares the struggles and quirks his family had throughout their time in the Heights.

Start walking the path towards a better financial future for yourself, family, and community as Luis shares his knowledge and expertise on holistic financial planning!

Episode Highlights:

>> Luis' experience growing up as a Spanish immigrant 

>> Luis shares his career journey

>> Misconceptions about Hispanic culture

>> Discussing financial planning with minorities

>> Mindset of empowerment for minorities

>> Prioritizing long-term finances

Connect with Luis:

>> Build A Better Financial Future

>> Instagram @luis_f_rosa

>> Twitter @luis_f_rosa

>> LinkedIn

>> Facebook

Resources mentioned from this episode:

>> Build A Better Financial Future 

>> On My Way to Wealth podcast

If you loved this episode, you have to listen to these episodes as well:

>> Bringing Home the Dinero with “Latina Money” Janet Cruz Padrón

>> Hispanic Heritage Celebration Month with Maricela Miles-Mattingly

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I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on Apple Podcasts, Spotify, Google Podcasts, or on your favorite podcast app and

The celebration for Hispanic Heritage Month continues in today’s episode of Minority Money. Gender wage gap is a detriment to women’s ability to work and their productivity - even more so for Latina women. 

In today’s episode, author and host of the podcast Her Dinero Matters Jen Hemphill sits down for a money talk. Particularly on how money matters to Latina women and how they can make the best of a poor situation. In her book “Her Money Matters”, Jen Hemphill discusses how issues of money in the past does not have to mold an individual’s current financial mindset. She also talks about ways one can break out of it.

She shares her experience growing up and how her parents moved from Columbia to the US in hopes of solving their money problems. She explains what inspired her to create a platform for Latina women to know how to handle money and how they can be confident in their own capabilities. She emphasizes the importance of having financial confidence and knowing your money story.

Take back your financial confidence and listen as Jen Hemphill gives a guide on how you can spend consciously to proudly celebrate your money wins!

Episode Highlights:

>> Jen's podcast: Her Dinero Matters

>> The importance of handling money properly

>> What inspired "Her Dinero Matters"

>> Latina gender wage gap

>> The concept of anti-budgeters

>> How to consciously spend money

>> People's money story in the past, present, and future

>> Jen's book: Her Money Matters

>> What is a proper financial education and mindset

>> Hispanic Heritage Month and its meaning

>> Financial confidence, money strengths, and money wins

About Our Guest:

Jen Hemphill, AFC® is a military spouse & proud bilingual Latina, helps the busy career-oriented woman become the reina (queen) of her money and love her dinero more. She is a Money Confidence Coach, an AFC® (Accredited Financial Counselor), author, speaker and hosts the Her Dinero Matters podcast.

The Her Dinero Matters podcast is focused on the advancement of U.S. Latinas to minimize the gender wage gap while creating a healthy, confident conversation around money.

She has been featured in publications such as Forbes, Clark Howard, USAA, Oprah Magazine and award-winning podcasts like SoMoney and Stacking Benjamins.

Jen is a FINRA Fellow and currently resides with her husband and two boys in Northern Virginia.

Connect with Jen:

>> Jen's Website - https://jenhemphill.com/ 

>> LinkedIn 

>> Instagram

>> Facebook 

>> Twitter  

>> YouTube

>> Pinterest

Resources mentioned from this episode:

>> Secrets of the Millionaire Mind

>>

We’re continuing to celebrate Hispanic Heritage and to help you grow with whatever resources you have to achieve your goals and give back to the community, I’m bringing in an outstanding woman who’s doing wonderful things!

In this episode, we’re going to highlight Leena Mendoza’s story, how she overcame adversities, achieved her dreams, and how she’s giving back to her community so they can experience success in finance and in life! 

Leena Mendoza is the CEO and founder of Intentional Leadership, an  elite leadership development program that equips leaders with the specific skills, tools, and behaviors they’ll need to confidently lead others and drive the culture of their organization. 

She is on a mission to get as many people of color, especially women, to the top by helping them leverage their resources, and unleash their full potential.

Step up your game today by listening to this episode as Leena will also share some of her insights on what it means to be a person of character and the real essence of leadership, and why professional confidence is important, as well as the walls that’s preventing us from reaching our full potential!

Highlights:

>> The importance of representation

>> Tools and techniques needed to be successful in the corporate arenas

>> Why character communication matters

>> Why many struggle in the area of effective communication

>> Strengthening your skills and abilities as a leader

>> Why you need to shift your mindset and perspective if you want to build generational mindset

>> The biggest barriers that’s preventing you from reaching your full potential

>> Learning to see the bigger picture, and knowing your powership and authority

>> Practicing professional confidence

>> Leveraging your resources to achieve your goals and giving back to the community

>> The significance of gratitude

Resources mentioned from this episode:

>> Leena’s social media:

TikTok

Facebook

Instagram

LinkedIn

Leena Mendoza Website

>> Spider-Man: Into the Spider-Verse

If you loved this episode, you have to listen to these episodes as well:

>> Secure Your Family’s Future through Estate Planning

>> Teach, Hustle Inspire

>> Financial Planning for Educators

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I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on Apple Podcasts,

If you educate a man you educate an individual, but if you educate a woman you educate a family (nation). — African Proverb

Educating women is more than just transforming the life of an individual. When you educate a woman, it’s a ripple effect, their families, communities, and even the nation is benefited.

As we go on to celebrate Hispanic Heritage month, in this episode, I’m bringing in the Latina generational financial curse breaker, Janet Cruz Padrón, who’s helping women to reach their full potential through financial education and empowerment!

Janet is the founder of Latina Money, a financial empowerment platform designed to ignite and fuel wealth creation for the modern Latina. She is also the host of The Latina Money podcast where she talks about money and wealth with successful entrepreneurs, creatives, and industry leaders to share actionable tips that’ll help the modern latina women build wealth and live the life they deserve.

Janet will share money taboos and financial mistakes that she has experienced, so you don’t fall into the same trap.

Don’t miss this amazing opportunity to build a stronger financial legacy for you and your family as Janet talks about the importance of creating a solid financial foundation, and rewrite cultural narratives so you create long-lasting wealth! 

Highlights:

>> The inspiration behind The Latina Money

>> Why it’s important to empower Latinas and people of color

>> Janet talks about the Dinero Blog

>> All change starts with having a conversation

>> Breaking money taboos within communities of color

>> Janet explains her Financialista Online Course

>> The cycle trap of earning and spending it all over again

>> Understanding price versus the cost

>> Rethinking the way we think about people being good and what is actually good

>> How cultural traditions hinders financial progress

>> Toughest things that Janet encountered along her journey

>> Why it’s important to pick the right spouse/partner

>> Janet’s personal experience of breaking generational cycles

Resources:

>> The Latina Money podcast

>> Janet’s social media:

LinkedIn

Instagram @latina_money

Twitter @MoneyLatina

Facebook

If you loved this episode, you have to listen to these episodes as well:

>> Getting out of Poverty & Creating Wealth with Dr. David Rhoiney

>> Education: The Great Equalizer 

>> How to be Financially Intentional with Naseema...

Hispanic Heritage Month is coming! 

It is a period from 15th of September to 15th of October in the US to celebrate the histories, cultures and contributions of American citizens whose ancestors came from Spain, Mexico, the Caribbean and Central and South America.

And we're not gonna wait until the 15th of September to celebrate, we're starting it now!

As we celebrate this cultural month, my wife, Maricela Miles-Mattingly joins me to share her story and other things she has never talked about before!

In this episode, Maricela talks about what Hispanic Heritage means to her. She will also share her story, as well as her perception on Mexicans crossing the border, and the courageous story of how her parents and grandparents moved over to the US in order to provide a better life and opportunity for their children and family!

Highlights:

>> Celebrating Hispanic Heritage month

>> Moving to the US from Mexico

>> Acts of heroism and bravery from Maricela’s parents and grandparents

>> Debunking myths and negative perceptions about Mexican crossing over to the US

>> What Hispanic Heritage means to Maricela

If you loved this episode, you have to listen to these episodes as well:

>> Minority Money Anniversary Special

>> Making The Most of Money Talks with Your Spouse

>> A Conversation on Gratitude, Life Aspirations, and Money with Dr. Preston Cherry

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I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on Apple Podcasts, Spotify, Google Podcasts, or on your favorite podcast app and SHARE THIS with a friend.

**********

Let's Continue the Conversation! Head on over to the Facebook Group and let’s discuss how we can change the complexion of wealth (https://www.facebook.com/groups/423846561552747/) 

Want to chat with a fee-only financial planner? Shoot me an email at [email protected] Can't wait to meet you.

Imagine yourself waking up tomorrow morning with more money in your bank account than what you usually need? What would you do with it? 

There may be tons of options running in your head right now on where you’ll allocate your unlimited funds but how will you manage it in a way that’ll help you live out your dreams?

Find out how as  Scott Frank, a CFA and a Certified Financial Planner who focuses on financial life planning, joins us in this episode!

Scott is the founder of Stone Steps Financial in San Diego, where he works with his clients to understand what a fulfilling life looks like for them and guides them in designing a financial plan that can help make their dreams a reality!

Know what to do with what you have right now, as Scott Frank shares his expertise and knowledge on how to secure your financial future!

Highlights:

>> Utilizing your money wisely to achieve what you really matters to you

>> Scott’s definition on what the role of advisor is

>> Why people rarely think about the essentials of life?

>> Learning how to pause and give people the space to be heard

>> Scott’s financial planning process 

>> How Scott guide and help his clients in the financial planning process 

>> The importance of active listening and empathy

>> Why you need to act now 

Resources:

>> Real Personal Finance

>> Thinking, Fast and Slow by Daniel Kahneman

>> 

Connect with Scott:

>> LinkedIn

>> Twitter @scott_r_frank

>> Stone Steps Financial

If you loved this episode, you have to listen to these episodes as well:

>> How to be Financially Intentional with Naseema McElroy

>> Equality and Representation in the Finance Industry

>> People of Color Disrupting the Financial Industry

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I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on Apple Podcasts, Spotify, Google Podcasts, or on your favorite podcast app and SHARE...

Everyone has the right to live a comfortable, happy, and worry-free money life despite their origins. For many, money is a hindrance and source of stress but it should never be if it's managed effectively! 

Learn some helpful money tips today that’ll help you reach your financial goals with Afro-Latina advisor, Anna N’Jie-Konte!

Anna N’Jie-Konte is a Certified Financial planner and the owner of Dare to Dream Financial Planning, where she works with millennial women of color, educating them on how to build a solid financial foundation, and ultimately help them create wealth for themselves and their families.

She is also the host of the podcast, First-Gen Wealth Builders, where she shares conversations with her fellow first-gen Americans on culture, community, and wealth.

Join me in this episode as Anna shares really important tips on money and mindset, wealth building, long-term health of your finances plus some culture stories you don’t want to miss if you want to take your finances to the next level!

Highlights:

>> Why it’s important for minorities to shift their mindset in order

>> Anna’s thoughts on economic empowerment for women and minorities

>> How Anna shifted her mindset around money and wealth building

>> What “I don’t have to deal with this sh*t money” means

>> Why it’s important for people of color or minorities to support each other

>> Fundamental aren’t sexy but you need them

>> Emergency funds and essential tips you need to know to make sure your retirement is set

>> Putting the long term health of your finances before anything else

>> Why many small businesses fail

>> What to expect from Anna’s Money Management Course for Women of Color

Resources:

>> First Gen Realness with Anna N'Jie-Konte Podcast 

>> Dare to Dream Planning

Connect with Anna:

>> LinkedIn

>> Instagram @anjiekonte

>> Twitter @anjiekonte

If you loved this episode, you have to listen to these episodes as well:

>> How to be Financially Intentional with Naseema McElroy

>> Equality and Representation in the Finance Industry

>> People of Color Disrupting the Financial Industry

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I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on Apple Podcasts, Spotify,