Say Hola Wealth

In honor of Latina Equal Pay Day, we’re talking about the systemic barriers behind the pay gap—and having an uncomfortable conversation about some of the ways we may be contributing to it.

From salary negotiation and discounting our expertise to accepting unpaid work and overlooking Latina-owned businesses, I’m challenging us to think differently about earning, investing, and building wealth.

Because earning more is only the first step. What we do with that money matters, too.

00:00 How Latinas Contribute to the Latina Pay Gap

00:55 Welcome + Introducing Cash Libre

02:05 What Is the Latina Pay Gap?

03:20 The $1.34 Million Lifetime Wealth Gap

04:35 Why We Need to Talk About Earning More

05:45 Salary Negotiation: The First Step

07:00 How the Pay Gap Affects Investing and Retirement

09:00 Why Latinas Must Stop Undervaluing Their Work

10:15 Stop Discounting Your Expertise

11:40 Stop Normalizing Financial Struggle

13:00 The Hidden Cost of Unpaid Work

15:10 Why Supporting Latina Expertise Matters

16:20 How We Can Help Close the Latina Pay Gap

17:00 Grab Cash Libre and Start Building Wealth

💰 Join the Cash Libre Collective:

https://www.sayholawealth.com

📚 Get your eBook copy of Cash Libre:

https://www.amazon.com/dp/B0GZR841M5

Share this episode with an amiga who needs to hear this conversation—and let’s keep talking about what it takes to close the Latina pay gap and build generational wealth.

Let's Build Wealth Juntas,

Luzy

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Can you pay off debt, start investing, and build wealth without following every traditional money rule? In this episode of the Say Hola Wealth Podcast, I sit down with Mayra Garcia of Debt Free Latina to talk about budgeting, paying off debt, investing, and building wealth on your own terms.

We talk about creating a simple money management system, increasing income, working with a financial planner, investing while prioritizing family goals, and why financial freedom can look different for every familia.

📕 PREORDER CASH LIBRE

Ready to rethink your relationship with money and start building wealth on your own terms?

Order your copy of Cash Libre and start creating your path toward financial freedom.

ORDER CASH LIBRE HERE. WWW.CASHLIBRE.COM

WHAT YOU WILL LEARN:

00:00 – How to Start Investing & Building Wealth

01:59 – Meet Mayra Garcia of Debt Free Latina

03:09 – How to Get Organized With Your Money

05:38 – How to Pay Off Student Loans, Credit Cards & Car Debt

06:45 – How to Create a Simple Budget That Actually Works

08:35 – Budgeting, Automating Your Money & Starting to Invest

10:32 – Investing While Paying for Your Kids’ College

12:08 – How to Build Wealth on Your Own Terms

12:53 – Building Multiple Streams of Income

13:09 – How Budgeting Can Build Financial Confidence

14:31 – Do You Need More Income to Pay Off Debt?

16:51 – Creating a Money Management System That Works

17:49 – How to Manage Your Money Like a Project

18:53 – How Much Money Do You Need for Financial Freedom?

19:56 – What Does a Financial Planner Actually Do?

22:01 – What Does Financial Freedom Really Mean?

22:55 – How to Start Building Wealth Your Way

✨ CONNECT WITH MAYRA

Follow Mayra and Debt Free Latina on Instagram

🎧 LOVE THE SAY HOLA WEALTH PODCAST?

Subscribe to the channel and share this episode with another mujer who is ready to get organized with her money, start investing, and build wealth her way.

Join the Cash Libre Collective at: www.sayholawealth.com

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If you’re the eldest daughter in a first-generation or immigrant family, building wealth can feel complicated when you’re balancing your financial goals with the desire to support your family.

In this episode, you’ll learn:

• How a first-gen Latina can start investing and build confidence with money.
• Why saving is only one part of building generational wealth.
• How salary negotiation can help you create more opportunities to invest.
• How Jocelyn went from keeping money in a safe to building a five-figure investment portfolio.
• How to build wealth while navigating the expectations and responsibilities of being the eldest daughter.
• Why investing can help you create more freedom, choices, and financial security for your future.
• 
  

If you’re ready to change your relationship with money, family, and wealth, join the waitlist for my upcoming book, where I dive deeper into the money stories and cultural expectations that shape us as first-gen Latinas.

Join the book waitlist here.

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What really happens behind the scenes when you write a book about money, family, culture, and your own lived experiences?

In this episode, I’m answering questions from Cash Libre advanced readers about writing my first book, navigating family expectations, overcoming writer’s block, asking for help, and deciding which personal stories were mine to tell.

We also talk about why Cash Libre goes beyond traditional personal finance advice to explore how culture, identity, family, and financial trauma can shape our relationship with money.

• How to overcome writer’s block when writing a book
• How to ask for help during the book writing process
• How to navigate family expectations when sharing personal stories
• How to write about family while honoring different perspectives and experiences
• Why therapy and trusted relationships became part of my writing process
• How I decided which personal stories belonged in Cash Libre
• Why traditional personal finance advice doesn’t always address culture, identity, family dynamics, and financial trauma
• What inspired me to write a personal finance book for Latinas
• How I incorporated cultura, illustrations, and childhood memories into a book about money
• 
  

Cash Libre arrives October 6, 2026, on Latina Equal Pay Day.

Join the waitlist for book updates, upcoming events, and exclusive Cash Libre bonuses available to the waitlist community.

CashLibre.com

This is Part 2 of our conversation.

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What if building generational wealth also means understanding venture capital, angel investing, and who gets access to startup funding?

In this episode of the Say Hola Wealth Podcast, I sit down with Lolita Taub, founder of Ganas Ventures and author of What Actually Matters: Startups, Capital, and the Rules Nobody Taught Us. We break down the investing ecosystem, the hidden “access tax,” and why more Latinas and first-gen wealth builders belong in the rooms where capital is being invested.

✨ How venture capital and angel investing work

✨ Why Latina founders face barriers to accessing capital

✨ What the “access tax” means for first-gen entrepreneurs and investors

✨ How founders can navigate rejection and find the right investors

✨ Why proximity and relationships matter when building wealth

✨ How angel investing can become part of generational wealth building

✨ Why Latinas belong on both sides of the table—as founders and investors

Want to better understand startups, investing, venture capital, and the rules that can be difficult to learn when you weren’t born into these networks?

Pre-order Lolita Taub’s:

What Actually Matters: Startups, Capital, and the Rules Nobody Taught Us

Lolita created the book as a navigation guide to help readers understand the different roles within the startup and venture capital ecosystem—and the lessons she wishes she had when she was getting started.

PRE-ORDER LOLITA’S BOOK.

Building wealth as a first-gen Latina is about more than numbers. It also means understanding the money stories, cultural expectations, and systemic barriers that have shaped how we think about wealth.

In Cash Libre: 10 Pillars to Help You Reclaim Your Purpose and Financial Freedom, I share my framework for healing your relationship with money, building wealth, and reclaiming more choices over your financial future.

GRAB YOUR COPY OF CASH LIBRE.

We belong in the rooms where capital is being raised, invested, and multiplied.

We can be the founders. We can be the investors. And we can build wealth juntas.

🎧 Listen to the full episode and share it with a mujer who needs to hear this conversation.

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What does it really take to write a personal finance book for Latinas—and invest in the dream of becoming an author?

In Part 1 of this 3-part Cash Libre series, Luzy King shares the story behind Cash Libre, the financial decisions she made to bring the book to life, and why she wanted to create a different kind of money book for Latinas. From financial trauma and money mindset to investing, wealth building, and financial freedom, this conversation explores why becoming libre is about more than simply having more money.

What You’ll Learn:

How the idea for Cash Libre began with Luzy’s daughters

Why traditional personal finance advice often misses the experiences of Latinas

The financial sacrifices behind becoming a published author

Why financial healing is an important part of building wealth

How investing helped Luzy prepare financially to write the book

Why Cash Libre uses cultura, storytelling, and illustrations to teach money

What financial freedom and becoming “libre” really mean

📚 Get your copy of Cash Libre: https://www.cashlibre.com

🎉 Join us for the live Cash Libre book launch in Seattle, WA! Visit https://www.cashlibre.com for details.

Stay tuned for Part 2 of this special Cash Libre podcast series.

#CashLibre #PersonalFinanceForLatinas #LatinaWealth #FinancialFreedom #WealthBuilding #MoneyMindset #FinancialHealing #LatinasAndMoney #SayHolaWealth

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What if working harder isn't the answer?

In this episode of the Say Hola Wealth Podcast, Luzy King sits down with award-winning journalist and author Stefanie O'Connell to unpack the hidden systems that shape women's careers, earning potential, and long-term wealth. From workplace bias and the gender pay gap to unpaid labor and motherhood, this conversation will challenge everything you've been told about ambition and success.

01:36 Why Stefanie wrote The Ambition Penalty

04:18 The hidden financial cost of unpaid labor

06:24 How small workplace biases become lifetime wealth gaps

09:13 Ageism, motherhood, and career advancement

14:02 Identity, belonging, and navigating corporate America as a Latina

17:53 Do women really need another degree to get ahead?

20:34 Dealing with online criticism and speaking truth to power

28:46 Raising daughters to understand money, equality, and leadership

35:27 Stefanie's definition of wealth

Featured Book: The Ambition Penalty by Stefanie O'Connell

📚 Preorder my upcoming book, Cash Libre, and learn how to make work optional, build generational wealth, and redefine financial freedom on your own terms:

If you enjoyed this episode, please follow the podcast and leave a review on Apple Podcasts. Your support helps more ambitious Latinas discover the conversations that are changing how we think about money, work, and wealth.

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Why Your Budget Isn't Working (And How to Stop Running Out of Money Before Payday)

Are you tired of checking your bank account only to wonder where your money went? In this episode, Luzy sits down with Ricardo Kendrick II, co-founder of Lumi Money, to explore why traditional budgeting often falls short and how understanding your cash flow can help you make more confident spending decisions.

You'll learn why your bank balance doesn't tell the whole story, how to stop living paycheck to paycheck, and why knowing your "Safe-to-Spend" number can reduce financial stress and help you stay in control of your money.

00:00 – Welcome and today's topic

02:05 – Ricardo's money story and the lessons he learned growing up

06:30 – Why traditional budgeting wasn't working

10:20 – The idea behind Lumi Money and the journey from spreadsheet to app

16:15 – Why your bank balance isn't the same as what you can safely spend

21:30 – How Lumi Money calculates your Safe-to-Spend number

27:10 – Building trust when connecting your bank account

31:45 – Cash flow vs. budgeting: A new way to think about managing money

36:20 – The importance of building a strong financial foundation before investing

41:00 – Ricardo's definition of wealth

Check out Lumi Money and start your 14-day free trial to discover your personalized Safe-to-Spend number and make confident spending decisions.

Ready to build a stronger financial foundation?

Get your copy of Cash Libre and learn the mindset and money strategies to help you stop surviving and start building lasting wealth.

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Can you build wealth without compromising your values? In this episode, Luzy King challenges one of the biggest myths keeping many first-generation Latinas from investing: the belief that ethical investing requires finding the "perfect" company.

You'll learn the basics of ethical investing, ESG investing, index funds, ETFs, expense ratios, and why becoming an owner—not just a consumer—can help you align your money with your values while building long-term wealth.

Whether you're just getting started or looking to become a more conscious investor, this episode will help you rethink what it truly means to invest with intention.

01:18 – Why ethical investing feels overwhelming for many Latinas

06:10 – Conscious investing vs. the pursuit of perfection

12:45 – Why you're already participating in the economy

17:32 – The difference between consumers and owners

22:08 – Investing 101: Ethical investing, ESG funds, ETFs, and index funds explained

28:54 – What are expense ratios and why do they matter?

34:20 – How shareholder ownership creates influence

41:18 – Practical ways to align your investments with your values

47:10 – Why waiting for the "perfect" investment delays wealth building

53:02 – Final thoughts: Ownership, legacy, and building generational wealth

💜 Join the Cash Libre Collective at www.sayholawealth.com

Continue your financial education alongside a community of women committed to building long-term wealth.

📖 Join the Cash Libre Waitlist for book launch bonuses

📚 Preorder the ebook Copy of Cash Libre

Reserve your copy today and join thousands of women redefining their relationship with money.

⭐ Read Cash Libre Before Launch on NetGalley

Create a free account on NetGalley and request a Digital Advance Reader Copy (DARC) of Cash Libre before its official release. Your early review helps more readers discover the book.

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Want to grow your career, negotiate a higher salary, and take control of your finances?

Leadership coach and author Diana Bernal shares how becoming the CFO of your household can help you build wealth, create financial confidence, and make intentional career decisions. Learn practical strategies for career growth, salary negotiation, and managing your household finances so you can create more options for your future.

Episode Timestamps:

00:00 Introduction

01:05 Diana's money story

07:20 How to grow your career with intention

11:40 Becoming the CFO of your household

15:30 Salary negotiation strategies for women

17:00 Becoming an author

22:45 What wealth really means

💌 Join the Cash Libre Collective

Get weekly money tips, investing strategies, and exclusive resources to help you make work optional.

👉 Join here: www.sayholawealth.com

📖 Get a copy of my book: Cash Libre.

Connect with Diana Bernal on her website.

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