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

No one tells you that building wealth can feel lonely, confusing, even grief-filled—especially when you're the first in your family to do it.

In this episode, I unpack the emotional side of money that rarely gets talked about: the loss, the guilt, and the identity shifts that come with earning more, saving more, and stepping into financial leadership as a first-gen, queer, or BIPOC six-figure earner.

You're not broken. You're just the first. And grief is a natural part of the wealth-building process.

LAST CALL for 60 minute, 401(k) dom sessions. Doors close 5/3.1. Book yours here or jump into 1:1 private coaching here.

Click here to get my Roth Freak Fridays Emails.

Your 401(k) isn't recession-proof — and that's costing you $10k+ a year.

In this episode, I’m breaking down exactly how to recession-proof your 401(k) in 2025 by avoiding the top 3 mistakes I see six-figure earners and $50K+ business owners make every day:

→ Leaving piles of cash sitting there, losing value to inflation
→ Rolling over your old accounts but never actually investing them
→ Trusting overpriced target date funds designed to keep you broke

If you have old 401(k)s you haven’t touched—or you don’t actually know what your money’s invested in—you’re leaking thousands of dollars every single year.

Right now is the best time to recession-proof your money and and grow $100K-$500K more in retirement savings over the next 5-10 years.

Book your limited time only, 60 minute 401(k) Dom Session here — spots are limited and doors close May 31, 2025 (or sooner if they sell out). Actually know how to retire rich without stressing about the stock market every week.

If you book your dom session and meet with me in April or May, your session investment can be applied toward my six-month private coaching program—where I help you get on track to making $30K+ a year in passive income through savings and investing. Click here to book a sales call with me to start 6 month private coaching. 

To get my juicy Roth Freak Fridays emails, click here. 

In this episode, I have my money coaching client, Telesh, on to talk about her money coaching wins after 6 months of working with me.

As a queer latina, she share her journey of working past feeling nervous to have money conversations, including her initial fear and shame around money, and how working with me helped her kick these feelings to the curb so she could help herself AND her immigrant family members make money moves.

She highlights her progress from being a debt-free business owner to investing in stocks and opening high-yield savings accounts and being confident she has a financial plan.

This episode is a must for anyone who needs to hear about how to have more proactive money converstations within your immigrant family so you're not worried about your parents' and loved ones' financial futures.

Telesh Pascual López is Maya, Kanjobal from Guatemala and migrated to Los Angeles where she grew up. She is a Spanish-English interpreter, facilitator for language justice trainings and consultant. 

Telesh has over 15 years of experience as a community interpreter in grassroots settings. She was one of the co-founders and worker-owner of Caracol Language Cooperative, a small business that provided language services to New York City for almost 10yrs.

Her dedication to language justice was inspired by her years as a volunteer interpreter with domestic worker organizing in New York City. She is a trained trauma informed interpreter and completed a medical interpreter intensive course at Memorial Sloan Kettering Cancer Center.

Follow her on IG: @tplbk

To join join Charly's Roth Freak Fridays emails and work with them to get on track to making $30k+ in passive income a year in private, 6 month money coaching, click here.

As a six figure earner, you're worried about the stock market right now. You're worried about losing your money and your job, and you're worried about your investments.

In this episode, I explain how to think about what's going on in the stock market right now so you go from freaking out to feeling empowered during this and every stock market dip that will happen.

I love helping six figure earners twerk their way to early retirement and get on track to making $30k+ in passive income a year through savings and investments.

To work with me for 6 months, book a call here to chat about how I'll help you feel like a boss with your money for the rest of your LIFE.

Whether you're a 9-5 er, a full time business owner, or you know you need to diversify income streams in this economy, this episode is for you. So far this year, I've made $30k in sales in my business, and it's barely March. In February alone, I made $15k in sales.

Listen to this episode to learn about how I'm navigating my mindset and how I'm maxing out my retirement accounts already to set myself up to retire early.

I also share how I've learned from my previous mistakes of overworking myself and burning myself out in my business to create more peace for myself and rest on my wealth building journey.

To work 1:1 with Charly for 6 months to get on track to making $30k+ a year in passive income through savings and investments, and to get their Roth freak Fridays emails, click here.⁠⁠