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.⁠⁠

In this episode, you'll learn how to make more money with less effort. The point of investing is to make your money grow itself passively, and I'm on a mission to get more LGBT/BIPOC six figure earners to help their money work for them so they can retire early.

In this episode, I break down the 3 client types I consistently attract:

1. The Cash Hoarder

2. The Russian Roulette Investor

3. The 85 Year Old Millennial

I share what mistakes you're making when you're any of these and how to fix your investments so that they're growing for you.

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, click here.⁠⁠

⁠⁠FEBRUARY ONLY: Grab a one hour money makeover with Charly⁠⁠!

In this episode, I'm interviewing my Canadian-Argentinian emotional support buddy and latina badass, Steph Wharton, to talk about how to land paid speaking gigs and build community. Steph is a leadership and visibility coach, who shares how she created the " Whole Damn Vibe" community, which is a free, BIPOC, Neurospicy, and queer online community for creatives and entrepreneurs. Each week we meet online to chat and cowork, and I LOVE IT because I know I'm not the only queer in the room.

Steph emphasize sthe importance of public speaking and visibility, sharing her programs like the 30-day visibility tour and the speaker experience mastermind. Steph highlights the need for entrepreneurs to value their time and expertise, and advocating that we seek out paid speaking engagements.

She also shares her personal experiences and strategies for building a successful speaking career, including the importance of consistent branding and community support.

Steph (she/her/ella) is a Latina Speaker, Coach, and Creator of the Speaker Movement—on a mission to help underrepresented folks confidently embrace their thought leadership and speaker identity to start a movement that creates real change in the world.

Beyond the business, you can find her embracing the small moments in life with a big glass of vino tinto, dancing bachata, and making new memories with her wife and baby boy.

Website: https://stephwharton.com/
Podcast: https://stephwharton.com/podcast
Instagram: https://www.instagram.com/stephwharton_/

To book your February only money makeover with Charly and to get on track to making $30k+ in passive income a year, click here.

A target date fund (TDF) is an investment portfolio that automatically adjusts to convert more and more to cash the closer it gets to a certain date, like 2040 or 2055.

TDFs are designed to help investors meet their retirement goals, but in this episode, I share why I used to invest in target date funds and got rid of ALL of them.

I share how my experience as a stock broker informs how I work with my money coaching clients and empower them to manage their own investments so they can become financially independent.

Target date funds are actually slowing down your early retirement plan rather than accelerating it.

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, click here.⁠

⁠FEBRUARY ONLY: Grab a one hour money makeover with Charly⁠!

When it comes to email, opens and clicks don't matter. Templates don't change industries. Listen to this episode with my coach, Kirsten Roldan (who I lovingly call the Puerto Rican Spice girl we never had),to chat about her program, Million Dollar Email.

This program is disrupting the industry as it goes beyond bro and becky marketing to help you become social media optional.

Email is timeless; the algorithm isn't.

Learn all about how you can reach your first $100k with email marketing and without having to shake it for reels all the time.

Kirsten highlights the importance of owning your community and the power of email in maintaining consistent connections.

She shares her personal journey of overcoming insecurities and leveraging email to scale her business.

Million Dollar Email offers a new curriculum with updated strategies, daily support, and a payment plan, aiming to increase sales by 25% within 30 days.

Kirsten also touches on the importance of mindset and money management in business success.

Kirsten is a Puerto Rican from New York who started her business in 2019 and is most known in the industry for her email marketing program, Million Dollar Email. She is a former OBM who now coaches other coaches and agency owners on their team, systems, and mindset through Million Dollar CEO. Kirsten believes that the key to a peaceful $1M business is email, team, systems and mindset work.

TO JOIN THE MILLION DOLLAR EMAIL WAITLIST, CLICK HERE.

You can learn more about Kirsten on instagram @kirstenroldan, on her website www.kirstenroldan.com or through the podcast, Business without Burnout.

IG : https://www.instagram.com/kirstenroldan/
Podcast: https://kirstenroldan.com/podcast

FEBRUARY ONLY: GRAB A ONE HOUR MONEY MAKEOVER WITH CHARLY

Naihomy with the good skin is in the house!! Her skin is poppin' because her gut and hormone health are on point and we're sharing how she got there!

In this episode of the Unicorn Millionaire podcast, Naihomy Jerez, a Dominican Integrative Nutrition and Hormone Health Coach, talks about why you need to take care of your hormone health, gut health and how to reverse prediabetes.

Naihomy shares her personal journey of reversing prediabetes and how she teaches women of color to heal their bodies using food and lifestyle changes that honor their cultural identity. 

Charly and Naihomy talk about why everyone, including trans and cis people, need to care about their hormone health. They dive into the emotional and systemic aspects of health transformation.

Learn how understanding hormone health—especially insulin and cortisol—can lead to you to living that healthy, wealthy life. They also highlight the importance of gradual changes, such as reducing sweetened beverages and incorporating fiber-rich foods, as essential steps toward long-term health. This episode is a must-listen for anyone looking to make meaningful health changes and invest in their wellness for good!

Naihomy Jerez is a Certified Integrative Nutrition and Hormone Health Coach and the podcast host of WELLthy Generation. She is deeply passionate about teaching women of color how to use food and lifestyle to heal their body and balance their hormones.

Naihomy began her own wellness journey after the birth of her second son, shedding 50 pounds without restrictions, maintaining her progress year after year, while honoring her foodie and cultural identity. Motivated by her transformation, she launched her coaching business, driven by a desire to show women in her community that achieving health goals can be fun, simple, and sustainable. Naihomy is a Bronx raised Dominicana, wife, and mother of two, who loves eating good food, going to gym classes and reggaeton concerts.

To learn more about Naihomy’s work, visit her website: naihomyjerez.com

Follow Naihomy on Instagram for more tips: @naihomyjerez

Listen to Naihomy's podcast, WELLthy Generation on Spotify

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, click here.

FEBRUARY ONLY: Grab a one hour money makeover with Charly!

When you use your high salary to crush your student loans and pay them off in full, your credit score will actually drop! Listen to this episode to understand why this happens and how to grow your credit score while paying off your student loans so that you're not afraid of your credit score dropping.

To work 1:1 with me to on your credit building, savings, and investment strategy, click here.

To hire me to speak at your company's next financial empowerment DEI workshop, click here.

To join my hella good Roth Freak Fridays emails, click here.