#77: In this episode of Money Noticias podcast, Sunem and Israel interview Erica Cruz, a coach, speaker, and founder of Courage Driven Latina. 

Erika left a six-figure tech job and moved back into her childhood room to start her coaching business. Within 12 months, she grew her business to multi-six figures from that room. She has supported hundreds of Latinas in finding clarity, living a life they love, and leading with courage. Her social media content on social media and her podcast, Chingona Revolution, helps people become the best version of themselves. Erika has been featured in NY Times, LA Times, CNN, and Telemundo - and she is just getting started.

Episode Takeaways:

• Mindset work is crucial for overcoming money scarcity mindset and attracting abundance.
• Generational wealth includes not only money but also knowledge, social capital, and cultural assets.
• Embracing our cultural assets and authenticity can lead to more joy, peace, and success.
• Asking for what you want is essential in attracting abundance, whether it's asking for a raise or promoting your services.
• Receiving abundance requires letting go of the fear of being seen and allowing yourself to receive help and compliments. It is important to live life on your own terms and ask for what you want.
• Money can provide leverage and opportunities to live authentically.

Connect with Erika

• Website: https://theerikacruz.com/
• IG: https://www.instagram.com/theerikacruz/
• TikTok: https://www.tiktok.com/@theerikacruz
• Podcast: Listen to Chingona Revolution everywhere podcasts are found
  • https://www.theerikacruz.com/podcast
  • Apple: https://podcasts.apple.com/us/podcast/ch-ngona-revolution/id1615624790 
  • Spotify: https://open.spotify.com/show/0mK2FsCWiKUDaWGby4X7vT 

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• Instagram
• Website 

Other Episodes You Will Enjoy

• How to Travel More While Meeting Your Financial Goals
• How to Travel with More Comfort and Luxury on a Budget

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#76: In this solo episode, hosts Israel and Sunem, discuss the importance of credit and provide three tangible steps to develop a credit card strategy. They address common misconceptions and fears around credit cards and emphasize the need for financial literacy and responsible spending.

Episode Takeaways:

• Developing a credit card strategy requires financial literacy and responsible spending habits.
• Know your numbers by creating a spending plan and tracking expenses.
• Pay off monthly credit card balances in full to avoid accruing interest and improve credit scores.
• Research credit card options that align with your lifestyle, such as travel rewards or cash back. Understand the perks and benefits of different credit cards and choose the ones that align with your lifestyle and spending habits.
• Run the numbers to determine if the annual fee of a credit card is worth the benefits and savings it offers.
• Credit cards provide fraud protection and can help build your credit score.
• Leverage credit cards strategically to travel for free or at reduced costs.
• Don't be afraid to have multiple credit cards, as long as you use them strategically and keep them active.
• Seek professional guidance and share the knowledge with others to help them improve their financial well-being.

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• How to Take Control Of Your Debt
• Making Credit Work For You
• How to Make Credit Cards Work For You, Travel for Free, and Save Money with Daniel Bruan
• How to Take Your Dream Vacation by Travel Hacking with Lizbet | lizbettalksmoney

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#75: In this episode of Money Noticias podcast, Sunem and Israel interview Lizbet. She is a first-gen Latina and mom of two, who has paid off over $80,000 WHILE still traveling with her family thanks to budgeting and travel hacking. As a money coach, her goal is to build up women’s financial confidence to help them create opportunities they didn’t think were possible for themselves and their loved ones. You can follow her debt payoff journey and travel hacking ways @lizbettalksmoney on Instagram, YouTube, and Tiktok.

Episode Takeaways:

• Start with the Chase ecosystem for travel hacking
• Open conversations about money and find trusted individuals or online communities for support
• Take control of debt and understand how credit works
• Representation in the travel hacking space is important
• Use credit cards strategically to maximize rewards and travel for less

Connect with Lizbet

• Instagram
• Youtube

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• How to Travel More While Meeting Your Financial Goals
• How to Travel with More Comfort and Luxury on a Budget
• How to Make Credit Cards Work For You, Travel for Free, and Save Money with Daniel Bruan

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6 Strategies to Take Control of Your Debt Guide

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#74: In this episode of Money Noticias Podcast, the hosts, Israel and Sunem, discuss the concept of the 'first-gen tax' and how it impacts individuals who are the first in their families to navigate certain financial and societal challenges. They provide examples of the first-gen tax, such as translating for parents, financially supporting parents, making financial decisions without proper knowledge, and paying for services that were not accessible in childhood.

Episode Takeaways:

• The first-gen tax refers to the additional financial and societal challenges faced by individuals who are the first in their families to navigate certain systems and responsibilities.
• Examples of the first-gen tax include translating for parents, financially supporting parents, making financial decisions without proper knowledge, and paying for services that were not accessible in childhood.
• Understanding and articulating the first-gen tax can help individuals feel validated and empowered in their experiences.
• Increasing income and investing in assets and oneself are effective strategies to overcome the first-gen tax.
• Adopting a collectivist mindset and setting financial boundaries are important for financial well-being.
• Seeking support and sharing resources with others can help in navigating the first-gen tax.

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• How Scarcity Can Lead People to Become Teachers with Esther
• Making Your Money Work Hard for You
• How Sarai Paid Off Her Mortgage and is Building Generational Wealth as the Eldest Daughter of Immigrants
• How to Combat the Single Tax and Save Money as a Single Person
• Why Budgets are Financial Boundaries

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#73: In this episode of Money Noticias podcast, Sunem and Israel interview “Purple” from APurpleLife.com retired at 30 in 2020. She's a black woman who worked in marketing and started writing about her journey to financial independence in 2015. She was able achieve her goal quickly by tripling her income through job hopping and halving her spending with domestic geo-arbitrage while increasing her standard of living. She’s currently traveling the world while living a nomadic life and enjoying hobbies such as birdwatching, stargazing and writing.

Episode Takeaways:

• Financial independence is about having enough money to not have to work again if you don't want to, and it's important to figure out how much you need to be happy and safe.
• Job hopping and increasing income can significantly impact your journey to financial independence, allowing you to retire earlier.
• Retirement doesn't have to be boring; exploring hobbies, traveling, and living a nomadic lifestyle can bring fulfillment and joy.
• It's essential to find a balance between saving aggressively and enjoying life to avoid feeling deprived or burnt out.
• Being open to change and living in the present can lead to unexpected opportunities and experiences in the future.

Connect with Purple

• Instagram
• Blog

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• How to Unlock Your Freedom by Pursuing Financial Independence
• How to Build a $1.1 Million Investment Portfolio and Retire with Walli Miller | Financially Thriving
• How to Redefine Success through Intentional Living and Slow FI with Jessica | The Fioneers
• How to Slow Down and Live your Best Life by Taking a Sabbatical

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In this episode of the Money Noticias podcast, hosts Israel and Sunem discuss index funds and their benefits. They explain that the stock market is a market where investors can buy stocks representing a small slice of a company. They emphasize investing in the stock market to combat inflation and make money work for you through compound interest. They introduce index funds as a package of stocks from different companies, which provide diversification and lower expense ratios compared to actively managed funds.

Episode Takeaways

• Investing in the stock market is important to combat inflation and make money work for you through compound interest.
• Index funds are a great option for investors as they provide diversification and lower expense ratios compared to actively managed funds.
• Investing in socially conscious and sustainable investments allows you to align your investments with your values.
• Seeking support and education can help navigate the investing journey.

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• How to Invest for a Better Life
• Making Your Money Work Hard for You
• 9 Steps to Reach Your First 100k in Investments

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In this episode of Money Noticias podcast, Sunem and Israel interview Yasmin and Tijani Musa, hosts of the How We're Doing It podcast. 

Yazmin and Tijani share their journey of becoming debt-free and achieving financial milestones. They discuss the impact of their immigrant backgrounds on their money journey and the importance of counseling and communication in their relationship. They emphasize the need to be intentional with money and create a strong why. The couple also shares their dreams and goals, including paying off their house, investing, and providing a comfortable life for their family. They highlight the importance of delayed gratification and making sacrifices in the present for a better future.

Episode Takeaways:

• Be intentional with your money and create a strong why to stay motivated.
• Seek counseling and prioritize communication in your relationship, especially when it comes to money.
• Building wealth collectively as a community is empowering and impactful.
• Delayed gratification and making sacrifices in the present can lead to a better future.
• Transitioning to a new place and building a new community can be challenging but rewarding.

Connect with Yasmin and Tijani

• Instagram
• Website

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• How to Navigate Finances in Romantic Relationships
• How Sarai Paid Off Her Mortgage and is Building Generational Wealth as the Eldest Daughter of Immigrants
• How to Take Control Of Your Debt

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6 Strategies to Take Control of Your Debt Guide

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In this episode of the Money Noticias podcast, the host, Israel and Sunem share valuable tips and tricks on how to travel more while still meeting your financial goals and living a comfortable lifestyle. From planning your travels to leveraging credit card points for free flights, they cover a range of strategies to help you save money on your travels. Tune in to learn how to be more financially strategic about travel and make the most of your travel experiences.

In this episode you will learn:

• Why you should plan your trips in advance
• How using credit cards can get you free flights
• Why being intentional with your spending is key when traveling
• How you can use side hustles to fund your trips
• And more!

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• 8 Tangible Strategies to Combat Overspending
• How to Travel with More Comfort and Luxury on a Budget
• How to Make Credit Cards Work For You, Travel for Free, and Save Money with Daniel Bruan

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In this episode, hosts Israel and Sunem, interview Sarai Tovar, their oldest sibling.  She discusses her decision to move to Tennessee in search of a better life and her experiences growing up in a household with financial struggles. Sarai reflects on the different money experiences within her family and the impact of being the oldest.

In this episode you will learn:

• Why financial boundaries are important to prioritize one's own financial goals and well-being.
• How housing insecurity can lead to a desire to own property, but it's important to question the motivations behind this desire.
• Why taking care of oneself and thinking about the future is crucial, especially for women who often prioritize others over themselves.
• Why investing in health and mental well-being is a valuable use of money and should be prioritized.
• And more!

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• How to Build Wealth for 3 Generations as a First-Gen Latina with Olga Camargo
• How Danny Paid Off $40k in Debt and Reached $100K+ in Investments without a College Degree
• How to Live Life on Your Own Terms and Travel the World with Dulce Toscano

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In this episode, Israel and Sunem discuss the topic of overspending and provide tangible strategies to combat it. They explore the reasons why people overspend, including emotional spending, lack of financial boundaries, and money scarcity. They emphasize the importance of tracking expenses, remembering your financial why, creating a budget, and developing better boundaries with yourself and loved ones.

In this episode you will learn:

• Why overspending can be influenced by emotional spending, lack of financial boundaries, and money scarcity.
• How tracking your expenses helps you understand where your money is going and make more intentional spending choices.
• How societal factors, such as consumerism and inflation, can contribute to overspending.
• How therapy can be beneficial for addressing the underlying causes of overspending.
• Why participating in no-spend challenges can help you break the habit of overspending.
• And more!

Connect with us!

• Instagram
• Website 

Other Episodes You Will Enjoy

• How to Protect Your Assets as a First-Gen Wealth Builder
• Why Budgets are Financial Boundaries

Want to begin getting your money right? Download our free money guide and training today!

6 Strategies to Take Control of Your Debt Guide

Interested in receiving 1:1, tailored support to help you start investing?

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