What if being transparent about money could make you a millionaire?

In this episode of the Unicorn Millionaire Podcast, I’m joined by Hannah Williams, founder of Salary Transparent Street, who went from being underpaid to becoming a million-dollar creator and global advocate for pay transparency.

After realizing she was being underpaid as a data analyst, Hannah and her husband, James, created Salary Transparent Street, a viral video series where they ask strangers how much they make to normalize pay transparency and expose real wages. Their movement has sparked international conversations, inspired corporate shifts, and even influenced legislation.

Hannah has testified in support of pay transparency bills in Virginia, Maryland, and D.C.—with the latter two now passed into law. In 2024, she made the Forbes 30 Under 30 list, and in 2025, she was named one of TIME100’s Most Influential Creators.

We get into how she turned activism into a seven-figure creator business, how she monetizes ethically, and what it means to build wealth publicly while staying true to your values.

You’ll learn:
🦄 How Salary Transparent Street became a million-dollar creator brand
🦄 The business model behind their viral content and partnerships
🦄 The mindset shift from underpaid employee to CEO creator
🦄 How pay transparency can close wealth gaps and empower workers
🦄 Why sharing your salary can be a revolutionary act

If you’ve ever wondered whether being transparent about money can actually build wealth—this episode proves that it can.

Follow Hannah:
Instagram: @thatmoneystreetgirl
Salary Transparent Street: @salarytransparentstreet

⁠Book a call here to start six-month one-on-one money coaching with Charly.⁠

Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset.
Investment: $6,000 or two payments of $3,100.

Get Charly's "Crush Debt, Retire Early" emails here.⁠
Charly Stoever (they/he/papi) is a trans Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt, boost their credit scores, and start building a six-figure retirement—even without a six-figure salary. They’re a formerly undocumented Mexican American and ex-stockbroker who has traveled solo to 39 countries and is a full-time international pet sitter.

You don’t have to sacrifice your joy, or miss out on your next vacation, to afford 6 month money coaching.

In this episode of the Unicorn Millionaire Podcast, I break down exactly how my clients make back their coaching investment (and then some).

You’ll learn how to use 0% APR credit cards, credit card points, and smarter cash flow to fund coaching without touching your retirement or giving up the things you love.

Whether you’re earning $50K or $200K, I’ll show you how to pivot from thinking like a consumer to an investor, so the money you spend on coaching pays you back for the rest of your life while you crush debt, boost your credit score, and save for a 6 figure retirement without needing to make 6 figures.

You’ll learn:

• How my clients make back their $6K money coaching investment

• Why 0% APR cards and credit points are your secret weapon

• How to calculate your personal ROI from coaching

• The mindset shift that turns “I can’t afford it” into “I’m getting paid 10x for it”

• Why investing in coaching is different from “spending” on it

If you’re serious about building wealth and want your investments—emotional and financial—to actually pay you back while still living your life, this episode will help you feel excited to invest in yourself!

Book a call here to start six-month one-on-one coaching.
Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset.
Investment: $6,000 or two payments of $3,100.

Sign up for my Crush Debt, Retire Early emails here.

About your host:
Charly Stoever (they/he/papi) is a nonbinary Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt, boost their credit scores, and start building a six-figure retirement—even without a six-figure salary. They’re a formerly undocumented Mexican American and ex-stockbroker who has traveled solo to 39 countries and is a full-time international pet sitter.

In this episode, I’m joined by Sarah Wolfer (she/they) — a queer, nonbinary therapist and founder of Courageous You Therapy — to explore relationship anarchy and how it parallels investing in the way you love.

We talk about what it means to build relationships rooted in choice, communication, and abundance instead of fear, obligation, or scarcity. Sarah shares how their work with LGBTQIA+, non-monogamous, kinky, and neurodivergent clients challenges traditional systems and helps people create emotional wealth that mirrors financial freedom.

If you’ve ever wondered how to invest in relationships with the same intentionality you bring to your money — or how your love life and financial life reflect the same patterns of liberation — this episode is for you.

About Sarah:
Sarah Wolfer (she/they) is a Licensed Independent Clinical Social Worker (LICSW) with her own private practice, Courageous You, that is based out of Seattle WA, and serving clients in Washington, Idaho, and Florida via telehealth. Graduating with a Master of Social Work (MSW) in 2012, they have spent the first half of their career in social services and community mental health settings as a mental health professional, clinical supervisor, and program manager, and the latter half thriving in private practice.

Sarah specializes in working with LGBTQIA+, non-monogamous, kinky, and neurodivergent individuals and relationships, and she identifies with these communities herself. They embrace the identities of kitchen-table polyamorist, relationship anarchist, and non-binary queer person. Their practice incorporates a variety of therapeutic modalities; initially focused on cognitive approaches like cognitive-behavioral therapy (CBT) and trauma-focused CBT in the first half of her career, and since starting her own private practice in 2020, Sarah has embraced more somatic work and psychedelic-assisted therapy. They currently offer psychotherapy, relationship therapy, Somatic EMDR therapy, and ketamine-assisted therapy tailored specifically for queer and non-monogamous clients. You can find out more about Sarah at CourageousYouTherapy.com.

To work with Charly: ⁠⁠⁠Book a call here to start six-month one-on-one coaching.⁠ 6 month money coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100.

⁠⁠⁠⁠Sign up for Charly's Crush Debt, Retire Early Emails here.

If you’ve been curious about what my 6-month money coaching program includes, this episode breaks it all down for you. I answer your most common questions about how coaching works, who it’s for, and the real transformations my clients experience.

You’ll learn:

• What’s included in 6-month coaching (bi-weekly calls, daily WhatsApp support, and my full money curriculum)

• Why coaching works for both high earners and folks starting at $50K salaries

• How I help clients crush debt, raise credit scores, and build six figure retirements without needing six figure salaries

• The ripple effect of money coaching—how changing your finances impacts your relationships, business, and future

This episode is for you if you’re ready to stop stressing about money and start building wealth with clarity, confidence, and community.

⁠⁠⁠Book a call here to start six-month one-on-one coaching. Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100.

⁠⁠⁠Sign up for my Crush Debt, Retire Early Emails here.

About your host:
Charly Stoever, or @travelercharly (they/he/papi), is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even without a six-figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is a full-time international pet sitter.

If you’re still leaving money in Venmo, Cash App, or PayPal like it’s a savings account, this episode is for you.

I sat down with Jessica and Brandon Norwood of The Sugar Daddy Podcast to talk about why Venmo is ghetto, what FDIC insurance really means, and where your cash should actually live if you want it safe and growing.

We cover:

• Why apps like Venmo and Cash App aren’t banks (and aren’t FDIC insured)

• The best places to store cash: Ally, CIT, and Wealthfront high-yield savings accounts

• The DREAM framework for better money convos in relationships

• How to stop the “checking account rodeo” and simplify your money flow

Even if you don’t think you have “enough” to open a high-yield savings account, you’ll learn how small amounts add up, why buckets and automations matter, and how to move from chaos to clarity with your cash.

Work with me 1:1:
Book a call to start six-month private coaching ($6,000 or 2 payments of $3,100):
👉 https://calendly.com/travelercharly/clarity

Join my Crush Debt, Retire Early email list:
👉 https://www.subscribepage.com/rothfreak

About My Guests:
Jessica and Brandon Norwood are the duo behind The Sugar Daddy Podcast, a financial literacy show helping millennials build wealth and have better money conversations. Brandon is an award-winning licensed financial planner with over a decade of experience managing millions in assets. Jessica, a tech consultant and the “Sugar Daddy” in their relationship, brings a fresh perspective to their financial journey.

They’ve been featured in Investopedia, The Knot, Huff Post, CNN Underscored, Fortune, MarketWatch, Real Simple, Better Homes & Gardens, and US News. Their personal mission? Become “work-optional” so they can travel the world with their two children while helping others achieve financial freedom.

In this powerful conversation with Gina Moreno, a first-gen Mexican American entrepreneur, content creator, and coach, we talk about what it takes to leave the security of the 9-5 workplace and step into entrepreneurship and visibility and how get paid for your gifts.

Gina shares how she walked away from her six figure job in tech, gave a TED Talk, and built a business that empowers first-gen Latinas and women of color to own their worth, share their stories, and create financial freedom on their own terms.

If you’ve ever wondered how to quit corporate America, make yourself visible as a first-gen entrepreneur, and actually build wealth without burning out, this episode is for you. 

You’ll also hear:

• Why visibility is the biggest act of audacity for first-gen Latinas
  

• How Gina transitioned from her six-figure tech job into full-time entrepreneurship
  

• The mindset shifts first-gen entrepreneurs need to get paid without guilt
  

• Why telling your story is the most powerful tool for building a business
  

• How to charge for your gifts instead of working for free
  

Gina Moreno is a coach, speaker, and content creator dedicated to holding space for first-generation Latine individuals navigating personal growth, healing, and success. With a background in engineering and six years in Big Tech, Gina broke generational cycles by rising from a low-income upbringing to becoming the first in her family to achieve social mobility. Her journey of overcoming barriers and reclaiming her voice now fuels her mission: helping others break through self-doubt, advocate for themselves, and lead lives rooted in purpose.

As the founder of Empowermente Collective and creator of the Next Level Latina Empowerment Circle, Gina supports ambitious first-generation Latinas who are ready to turn their ideas, stories, and unique gifts into impact-driven brands and income streams. Through her group coaching, transformative retreats, and digital content, she helps women move past self-doubt, embrace their visibility, and take bold action to align with a life—and business—that reflects who they truly are.

Gina’s work has been featured on TEDx, Business Insider, NBC, and Univision, and she’s collaborated with organizations like MTV and spoken at Harvard University. With a growing audience of over 95,000 followers, she is passionate about helping others alchemize their lived experiences into power, resilience, and lasting impact.

🔗 Website: soygina.com

🎙️ Podcast: Empowermente Podcast

📲 Instagram: @soyginamoreno

📲 TikTok: @soyginamoreno

Charly Stoever (@travelercharly, they/he/papi) is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even without a six-figure salary. They’re a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is a full-time international pet sitter.

Book a call here to start six-month one-on-one money coaching with Charly.⁠ Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100.

Sign up for Charly’s Crush Debt, Retire Early Emails here.

In this instagram live episode of the Unicorn Millionaire podcast, I share how I’m intentionally paying off $12,000 in credit card debt—and why I don’t regret it for a second. Taking on this debt helped me grow my business to $260K in revenue, invest for retirement without sacrificing my future, and prove that credit cards can be a tool when used with intention.

If you’ve ever wondered whether credit cards are holding you back—or how they might actually help you build wealth—this conversation will help you see what’s truly possible.

You’ll also hear:

• How I used a 0% APR card to invest in my business and scale to $260K in sales

• The mindset shifts that helped me release shame around debt

• Why debt payoff is part of your retirement plan

• How credit cards can actually support wealth-building when used intentionally

⁠⁠Book a call here to start six-month one-on-one coaching. Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100.
⁠⁠Sign up for my Crush Debt, Retire Early Emails here.

Charly Stoever, or @travelercharly (they/he/papi), is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even without a six-figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is a full-time international pet sitter.

In this live class and episode of the Unicorn Millionaire podcast, I teach you how to pay off debt without shame—and why selling stock from your taxable brokerage account is often a smarter move than touching your 401(k).

Even if you're debt free, you should stil listen to learn about what it takes to sell stock in the right accounts and without penalties.

If you’re scared to sell stock, think of your investments as “savings,” or you’ve ever asked “should I open a travel card while still in debt?”—this episode is for you.

I share how I used a business credit card to hire my first coach, sold stock to fund my business and early retirement plan, and helped clients pay off 5-figure debt without derailing their long-term goals.

You’ll also hear:

• What to do instead of cashing out your retirement

• How to sell stock without guilt or scarcity

• Why your credit score doesn’t have to be perfect to build wealth

• How my clients—from $50K to $300K incomes—are crushing debt and building six-figure retirement plans

⁠Book a call here to start six-month one-on-one coaching. Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100.
⁠Sign up for my Crush Debt, Retire Early Emails here.

Charly Stoever, or @travelercharly (they/he/papi), is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even without a six-figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is a full-time international pet sitter.

In this instagram live Q&A and episode of the Unicorn Millionaire podcast, @travelercharly breaks down how to use credit cards and debt to retire early, without shame and without sabotaging your future.

Whether you’re sitting on $30K in credit card debt or just anxious about opening a new card, this episode will help you reframe debt as a strategic tool, not a moral failure.

I talk about how I used business credit cards to grow my coaching business, fund investments like my Roth IRA and Solo 401(k), and still pay myself while traveling the world and planning for early retirement.

I also answer live audience questions and share how my clients of all income levels—from $50K to $300K—are crushing debt, healing money wounds, and building six-figure retirement plans.

If you’ve ever wondered:

• Should I open a travel card if I still have debt?
  

• When is it actually worth it to go into credit card debt?
  

• Is it better to use savings or sell stock to pay off coaching or business expenses?
  

• How do I invest while I still owe money?
  

This episode is for you. Listen now and learn how to crush debt while building wealth.

Book a call here to start six-month one-on-one coaching. Coaching Includes bi-weekly coaching calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 paid in full or two payments of $3,100.

Sign up for my Crush Debt, Retire Early Emails here. 

Charly Stoever (they/he/papi) is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement, without needing a six figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is full time international pet sitter. 

Michelle Sanchez is a first-gen eldest daughter who built six figures in wealth before turning 30—while navigating chronic illness, moving states for her wellbeing, and finally giving herself permission to want more than just survival.

In this episode, I walk you through how my coaching helped Michelle shift from uncertainty to clarity, from saving-only to strategic investing. You'll hear how our work together helped her max out her retirement accounts, centralize her money, and collapse her retirement timeline—all while living with chronic illness and reclaiming joy. She now knows exactly how to grow her money and enjoy it—like treating her sisters to drinks on the beach in Italy, knowing her investments are compounding while she sips.

If you want support getting on track to making $30K+ a year in passive income through savings and investing, book a call here to start six-month one-on-one coaching.
At the time of this episode, coaching is $6,000 for six months and includes:— Bi-weekly coaching calls— Daily messaging support— Access to my full curriculum with lessons on savings, investing, credit cards, mindset, and diversifying income streams

📩 Click here to join Charly's Roth Freak Fridays email list
🦄 Read Charly’s blog
📸 Connect with Charly on Instagram: @travelercharly

Michelle Sanchez is a first-gen eldest daughter, sharing Health and Wealth Tips while working towards financial freedom and healing and living with a chronic Illness.
IG: @healthtowealthconmichelle