Money Mindset and Personal Finance for First Gen Latinas: Ching@ Tu Money®

#50: Get in loser, we're investing in the stock market. It's time.

⭐️RESOURCES⭐️

💸Retire on Time Workshop Replay

💸Follow Mariel on Instagram

⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️

💸5 Reasons to Invest Even If You Have Little Money

💸If You're a Latina, It's Time to Invest. No More Excuses.

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Hosted on Acast. See acast.com/privacy for more information.

#49: Student Loan Planner just came out with a new podcast episode called 'RAP Strategies 2.0' and I want you to go listen to it.

DISCLAIMER: Only YOU know what's best for you. Trust but ALWAYS verify.

See you in the episode!

⭐️Student Loan Resources⭐️

💸Rap Strategies 2.0 by Student Loan Planner

💸Repayment Assistance Plan by Student Loan Planner

💸Student Loans Post - July 1 by Student Loan Planner

💸3 Reasons I didn't enroll in RAP by Mariel Amador

💸Student Loan Planner:Book A Call with my friend Taylor of @socialworktowealth

💸Debt Free Gonna Be: Book A Call with Nika Booth @debtfreegonnabe

⭐️Work with Mariel⭐️

💸FREE: 7/28 Retire on Time Workshop

💸1:1 Money Coaching

💸Follow Mariel on Instagram

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Please leave a review to help me keep spreading the financial literacy word. Ciao!

Hosted on Acast. See acast.com/privacy for more information.

#48: The new student loan repayment plan is OUT! But, it may not be all its cracked up to be.

In this episode I break down why the Repayment Assistance Plan was NOT for me.

DISCLAIMER: I am not a student loan expert and this is not advice. 'RAP' can be a solid plan for some people, but it was not for me. Always do your due diligence when making personal financial decisions.

In this episode I discuss:

1. Student Loan Updates
2. 3 Reasons I did not enroll in 'RAP'
3. Things for you to consider in order to make a decision that serves your life holistically.

Feeling overwhelmed or want clarification on something I shared? Send me a DM on Instagram!

Mariel Amador

⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️

💸Repayment Assistance Plan by Student Loan Planner

💸Student Loans Post - July 1 by Student Loan Planner

💸Pinche student loans: IDK what to do about my student loan debt

⭐️⭐️RESOURCES⭐️⭐️

💸Compare options: Student Aid repayment calculator

💸Learn about recent changes: Student Aid Big Updates Webpage

💸Student Loan Planner:Book A Call with my friend Taylor of @socialworktowealth

💸Debt Free Gonna Be: Book A Call with Nika Booth

⭐️⭐️Podcast Episodes Mentioned in the show⭐️⭐️

💸If You’re a Latina, It’s Time To Invest. No More Excuses. 3 Reasons To Invest Now

💸Underearning Journey: 10 Years Later, I Finally Stopped Underearning

ACRONYMS used in this Episode:

AGI: Adjusted Gross Income

IDR: Income Driven Repayment

SAVE: Biden-era Saving on a Valuable Education student loan repayment plan (no longer exists)

RAP: Repayment Assistance Plan (one of the available income driven repayment plans)

IBR: Income Based Repayment (one of the available income driven repayment plans)

PAYE: (one of the available income driven repayment plans-expires mid 2028)

ICR: (one of the available income driven repayment plans-expires mid 2028)

Hosted on Acast. See acast.com/privacy for more information.

#47: Do you have a 'regular' savings account? Earning pennies on your savings? OR do you have a high yield savings account? Where you get the most bang for your buck?

Opening a 'high yield savings account' was step #1 in my journey to financial peace. Don't ignore this foundational account.

In this episode I share:

1. What a 'HYSA' even is.
2. 3 tactical reasons you need one too
3. The 1099-INT form most people forget to tell you about regarding HYSAs

Opening an High Yield Savings accounts takes 5 minutes. Instead of scrolling for 2 hours, open yours and change yo life today.

⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️

💸Stop trying to be good with money. Do these 3 things instead

💸I closed My WF Accounts After 16 Years

⭐️RESOURCES⭐️

💸1:1 Money Coaching

💸Subscribe to the Money Newsletter

💸Follow Mariel on Instagram

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Hosted on Acast. See acast.com/privacy for more information.

#46: Stop getting off the stage before others have a chance to see you perform.

A lot of times we tell ourselves NO before even bothering to ask for what we want. (pinche miedosa)

1. In this episode, we talk about the importance of COMMITTING to something with your chest, even when you're scared. Commit to the process, not just the outcome, and you will win.
2. We talk about shaking things off EVEN when it feels like the loss is too big to come back from. The fact is, we don't know the future. Shake it off and keep it moving.
3. Finally, we talk about putting in the reps. The painful, embarrassing, never ending reps. Success doesn't start at the championship game. It starts way before. Every step you take is vital to getting that win.

Amiga, stop letting your ego getting in the way of you achieving your dreams. Listen to this episode, then join me inside of the REJECTION challenge happening July 1-31. It's time to ask for what we want. No more getting in our own way.

⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️

💸The Compound Effect of Possiblity

💸Why You Aren't Taking Action

💸Your Impatience Is Blocking Your Success. Quit Being A Baby And Keep Going

⭐️⭐️RESOURCES:⭐️⭐️

💸1:1 Money Coaching

💸Fix Your Money: 6 Episode Audio Course

💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them

💸Follow Mariel on Instagram

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Hosted on Acast. See acast.com/privacy for more information.

#45: When's the last time you thought about menopause? 💸

For me, it was 'I don't really think about it'. Until, I met the founder of a community organization called 'Menopause Mijas'.

1. In this episode, founder Kristy Ward breaks down perimenopause, menopuase, and post menopause - including symptoms and emotional impact
2. Then, we talk personal experience, advocating for yourself, community support y mas!
3. Finally, we round out the episode by visiting one of my favorite websites: Reddit. In a forum with the question, 'I am terrified of perimenopause/ menopause. Can someone please convince me that life isn’t over?', Moonflower_77 explains to us why for her, 'menopause is a bridge to strength and wholeness'.

Have/had a uterus? This episode is one you DON'T want to miss. See you in the show!

⭐️RESOURCES⭐️

💸Menopause Symptoms Checklist

💸6/20: Mental Wellness in Midlife event (in person San Antonio)

💸Menopause Mijas on Instagram

💸REDDIT: I am terrified of perimenopause/ menopause. Can someone please convince me that life isn’t over?

💸Mariel Amador on Instagram

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Hosted on Acast. See acast.com/privacy for more information.

#44: How can you possibly go after more if you don't even know that there is more?

That was my life for a long time friend. Hustle to survive. Autopilot. Rinse and repeat.

Until I finally asked myself, 'Is there another way to get through life?'

Tune into this keynote replay to learn about the moment I realized... there was more (a lot more) for me in the world.

Then, join me in going after what we want. ALL of what we want.

See you in the show!

⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️

💸How to Stop Underearning And Make More Money

💸If You’re A Latina, It’s Time To Invest. No More Excuses.

💸How to Break Free from the Money Story Holding You Back

⭐️RESOURCES⭐️

💸1:1 Money Coaching

💸Latina Presente Public Speaking

💸Subscribe to the Monthly Money Newsletter where I share my scarcity thoughts and how I walk myself out of them

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Hosted on Acast. See acast.com/privacy for more information.

#43: Everyone says to 'reduce your expenses', but you can only cut so much before you're miserable

Instead of tracking every single expense to the penny (or extreme coupon-ing), focus on reducing costs for 3 things:

1. Housing
2. Transportation
3. Eating out/fast food

BONUS (and most importantly): When reducing expenses STILL doesn't work, amiga, I'm not saying it'll be easy, but it may be time to earn more.

From renting a room in a house to save money, to making my biggest money mistake (financing a new car) to my struggles with cooking, this is an episode you don't want to miss.

See you in the show!

⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️

💸How to Stop Underearning And Make More Money

💸How I Saved Money On Rent By Renting A Room for 4 Years

⭐️RESOURCES⭐️

💸1:1 Money Coaching

💸Subscribe the Monthly Newsletter

💸Follow Mariel on Instagram

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Hosted on Acast. See acast.com/privacy for more information.

#42: Not the government wanting the money I owe them *eye roll*.

If you have outstanding student loans and you aren't sure how to tackle them - ME TOO!

UPDATE: I did NOT enroll in the new 'RAP' plan due to 3 major reasons. Add episode #48 to your queue to learn why

This student loan episode WON'T solve your student loan dilemma, but it will:

1. give you #solidarity (You aren't alone, friend!)
2. talk about the new RAP plan.
3. share what I'm considering to make my best decision

See you in the show!

⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️

💸3 Reasons I Did NOT Enroll in the New RAP Plan

💸Create the Space to Rest: If You're Type A, Listen To This Episode

⭐️RESOURCES⭐️

💸1:1 Money Coaching

💸FREE: Fix Your Money: 6 Episode Audio Course

💸Subscribe to the Money Newsletter

💸Follow Mariel on Instagram

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Hosted on Acast. See acast.com/privacy for more information.

#41: I walk too fast, eat too fast, and am addicted to social media. I need REST, and if you're reading this, you do too. But.... how do we 'find the time' for it?

In this episode, I share with you a 3 part framework that will help you find the time for rest. I also touch on:

• the importance of slowing down
• urgency as a habit
• dopamine addiction
• a one minute silence test

You are in charge of your life, amiga. Time to re-imagine it.

⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️

💸Dr. Anna Lemke: How Understanding Dopamine Can Improve Your Life

⭐️⭐️Most streamed 'Ching@ Tu Money' episodes⭐️⭐️

💸My Partner Makes 2x More Than Me. Here's How We Split Expenses

💸How to Stop Underearning And Make More Money

💸If You’re A Latina, It’s Time To Invest. No More Excuses.

⭐️RESOURCES⭐️

💸Work 1:1 with Mariel here

💸Fix Your Money: 6 Episode Audio Course

💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them

💸Follow Mariel on Instagram

Want more personal finance for Latinas? Request the next episode topic by emailing [email protected]

Hosted on Acast. See acast.com/privacy for more information.