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

#21: What does it mean to 'fail' at something? And is 'failing' even a bad thing?

Tune in to hear:

• How the '10k in 20 days challenge' came to be
• How it went
• What happens next

GOAL UPDATE: $5,500/$10,000 REACHED.

Learning and being inspired through stories is my favorite. I hope my experiences moves you to do something BOLD. See you in the episode!

Mariel Amador

⭐️⭐️RELATED PODCAST EPISODES⭐️⭐️

💸My Business Flopped so I'm Going Back to Teaching

💸How I Saved Money on Housing by Renting a Room for 4 Years

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

💸Why You Arent Taking Action

💸Your Impatience is Blocking Your Success. Quit Being a Baby and Keep Going

⭐️RESOURCES⭐️

💸Work 1:1 with Mariel

💸Subscribe to the Monthly Newsletter

💸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.

#20: Have you ever been made to feel like you couldn't do something? But low key, you knew you absolutely could?

In this episode, I share with you how the tech bros at my old corporate job are the reason why I vengefully built Money for Mujeres.

Episode Highlights:

1. I thought I couldn't do it so I said 'not for me' and gave up on it for 5 years
2. Later I found out I COULD do it, and that it wasn't 'too complicated'
3. You can invest too, $10 at a time, and then teach everyone you care about how to do it too

I could be angry that I was made to feel incompetent. But, I'm glad because if I hadn't been, I wouldn't have become Money for Mujeres. Thank you, tech bros for handing me my life's passion.

⭐️RESOURCES⭐️

💸Grab the 'Open Your IRA Kickstart' here

💸FREE: 'RETIRE ON TIME' Workshop Replay and PDF of Resources

💸FREE: Investing for Beginners Video 60 minute video. The end of the video shows you how to open an IRA step by step. (I use Fidelity for my IRA)

⭐️RELATED EPISODES⭐️

💸If You're A Latina, It's Time To Invest. No More Excuses. 4 Reasons To Invest Now.

💸Building Wealth: 3 Mistakes I Made as a Beginner Investor

💸5 Reasons To Invest Even If You Have Little Money

💸If You've Found Every Reason To Not Open Your IRA, Listen to This Episode

⭐️RESOURCES⭐️

💸Work 1:1 With Mariel

💸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? Send your money question over on Instagram!

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

#19: Does taking the scenic route make us losers? No friend, it makes us present, joyful, and human.

In this episode I share the reasons I'm going back to teaching after taking a year off to focus on my business.

I considered 3 things:

1. Financial stability
2. Where I am relative to my long term goals + how I FEEL about where I am on the journey
3. My partner and our well being as a couple

This episode is full of chismecito, stream it now, and then run over to instagram to let me know your thoughts!

⭐️Recommended Podcast Episodes⭐

💸My Partner Makes 2x More Than Me

💸I made $601 and Spent 16k in 2024

💸Get To Know Your Brain Episode

💸I entered a 'Make 10k in 20 Days Challenge' and I Didn't Reach My Goal

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

💸How to Stop Underearning And Make More Money

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

⭐️RESOURCES⭐️

💸Work 1:1 With Mariel

💸Fix Your Money: 6 Episode Audio Course

💸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.

#18: Money is power. Money is options. Money is Freedom.

WATCH the FREE Workshop Replay: 'Retire On Time' to get started with saving for retirement.

Our community works too hard to arrive at retirement and not have enough money. And it doesn't have to be that way.

Please sign-up for the workshop replay here.

Advancements in technology have changed the game for everyday people. We, too, can now build wealth - even $10 at a time.

Share this far and wide and #RetireOnTime

💸💸💸WORK WITH ME💸💸💸

3 Month Money Coaching Program

Follow Mariel on Instagram

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

#17: How do I save money if I have variable income? How do I know if I'm saving enough money to cover my personal expenses?

This episode is for the person who has variable income and wants to plan ahead for the 'slow' months or no income months.

Save money for slow months in 3 steps:

Step 1: Calculate your bare bones budget

Step 2: Open a High Yield Savings Account with a bank that is 'FDIC' insured

Step 3: Every month send any 'extra' money above your monthly expenses into your savings to use for your slow seasons

Have a question about something I didn't answer? Send your question to me over on Instagram! See you in the show!

P.S. Send this to your entrepreneur, creative, or small biz owner friend who needs this info!

⭐️RELATED PODCAST EPISODES⭐️

💸High Yield Savings Account: 3 Reasons You Need to Open One Today

💸Figure Out Your Bare-bones Budget with this Episode

💸I spent 16k and made 601 in my biz in 2024

⭐️RESOURCES⭐️

💸Work 1:1 With Mariel

💸Fix Your Money: 6 Episode Audio Course

💸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.

#16: Do you and your partner split expenses in an 'equitable' way? Meaning, does the higher income earner pay more?

In this episode, my partner of 2 years and I share how we manage money as a couple including, who pays for what, do we have joint bank accounts, does one pay more for 'fun' stuff and what happens when we have different POVs on spending?

We talk about the shame that can come up when 1 partner makes less than the other and the empathy required to have difficult money conversations.

In the second half of the episode, I throw some rapid fire audience questions at Edward, like:

1. How did we initiate the conversation around money?
2. How do we gift give in our relationship?
3. Do we use non violent communication when talking to each other?
4. What about pre-nups?

I told Edward to be honest in this interview. And I'm not going to lie.... he took that to heart. (phew)

You don't want to miss this episode!

⭐️⭐️RELATED PODCAST EPISODES:⭐️⭐️

1. Am I Financially Abusing my Boyfriend? A Conversation with the Man Himself
2. Money Red Flags in Couples
3. How to Break Free from the Money Story Holding You Back
4. I Can't Afford to Go Out, How Do I Politely Tell My Friend
5. How I Saved Money On Housing By Renting A Room For Four Years

⭐️⭐️EXTENDED LEARNING⭐️⭐️

1. 'Aging' Your Money (Having a 30 day buffer)
2. Ramit Sethi on splitting expenses in an equitable way

⭐️⭐️RESOURCES⭐️⭐️

1. Work 1:1 With Mariel
2. Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them
3. Follow Mariel on Instagram

Want more personal finance for Latinas? Send your money question over on Instagram!

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

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

#15: Ever wonder why despite REALLY wanting to, and despite making a plan, and telling yourself over and over you'll do something, you just can't seem to make it happen?

In this episode, we discuss:

1. The effect of your subconscious thoughts
2. Your brain's default survival patterns that keep you playing small.
3. Exploring your subconscious, rewiring your habits, and taking the action you're meant to

We'll also cover:

1. A case study: How my unresolved experiences led to issues with self trust and visibility and how this led to not making big moves in business.
2. Learn how to witness and acknowledge YOUR limitations and break free from constrictive patterns that no longer serve you: lessons from Peter Krone aka the mind Architect.
3. Discern whether you want to live your best but limited life OR whether you are willing to break down your subconscious limitations and allow the abundance that's already yours to flow in.

⭐️⭐️LISTEN TO RELATED EPISODES⭐️⭐️

💸Jasmine Star’s episode with Peter Krone

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

💸Money Mindset Isn't About 'Believing in Yourself'. It's About Your Money Story

⭐️⭐️RESOURCES⭐️⭐️

💸Work 1:1 With Mariel

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

💸Follow Mariel on Instagram

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want more personal finance for Latinas? Send your money question over on Instagram!

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

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

#14: Business isn't ever what it seems💸

Social Media shows us the highlights - but what's REALLY going on behind the scenes?

In this episode, I'm sharing with you my FOR REAL 2024 numbers. It's true friend, I spent way more than I made. I also share with you some BTS of the mindset work required to build something from the ground up. That scarcity mindset ya'll. It's a sneaky thing. I share with you some of my struggles and what you can do to be mindful of your subconscious thoughts too.

See you in the show!

⭐️⭐️Related Podcast Episodes⭐️⭐️

💸My Biz Flopped So I'm Going Back To Teaching

💸I entered a 10k in 20 Days Challenge & I Didn't Reach My Goal

💸How to Break Free from the Money Story Keeping You Broke

⭐️⭐️RESOURCES:⭐️⭐️

💸Work 1:1 with Mariel

💸Follow Mariel on Instagram

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

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want more personal finance for Latinas? Send your money question over on Instagram!

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

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

#13: What does financial abuse in families look like?💸

Can my own sibling inflict financial abuse on me? What about a cousin? A distant relative? The answer is absolutely.

1. In this episode, I went to Reddit to share some real life examples of financial abuse in families. Financial abuse is a spectrum, it can be something small or something that takes 100% of control from an individual.
2. Then, Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I have a conversation about money red flags in families. We also briefly touch on the financial burden that often is left to the child of an aging parent.
3. Finally, we discuss how even when our loved ones are healing money traumas of their own, it is not on us to be the solution to their every issue. There are other ways we can help, both empowering them and not inhibiting our personal growth. 

💸Make sure you check out Episode 11 to learn the 4 step process of non-violent communication. Justine walked us through having a successful yet difficult money conversations with loved ones.

⭐️⭐️RESOURCES:⭐️⭐️

✨Reddit thread with real scenarios

✨Dopamine and effects on addictive behavior

💸Buy Justine's Book, GIRL, JUMP! Creating a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom

💸Follow Justine on Instagram

⭐️⭐️More on Money Boundaries⭐️⭐️

💸Am I Financially Abusing my Boyfriend? A conversation with the man himself

💸Financial Abuse: Money Red Flags to Look for in Love, Family and Friends

💸Financial Abuse in Friendships with Justine

💸Financial Abuse in Couples with Justine

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want more personal finance for Latinas? Send your money question over on Instagram!

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

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

#12: What does financial abuse in friendships even look like?💸

And why is it so hard to talk about money with friends?

In this episode:

1. I list some friend money red flags to look out for like being the ‘go to’ friend for money related things OR being pressured to spend more than you want to.
2. Then, Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I have a casual conversation about money red flags we’ve seen or experienced. (Ever get asked to be a bridesmaid but lowkey didn’t want to spend the money?)
3. Finally, I spill the tea ya’ll! I share some personal friend financial faux paus and where I am now in my own money healing journey.

Make sure you check out Episode 11 to learn the 4 step process of non-violent communication. Justine walked us through having a successful money conversation with a friend.

⭐️⭐️RESOURCES:⭐️⭐️

💸Follow Justine on Instagram

💸Buy Justine's Book

💸Mariel's 1:1 3 Month Money Coaching Program

⭐️⭐️More on Financial Abuse⭐️⭐️

💸Am I Financially Abusing my Boyfriend? A conversation with the man himself

💸Financial Abuse: Money Red Flags to Look for in Love, Family and Friends

💸Financial Abuse in Family with Justine

💸Financial Abuse in Couples with Justine

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want more personal finance for Latinas? Send your money question over on Instagram!

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

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