Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt and Retire Early

Today I was lounging in bed, scrolling, and redeeming hundreds in business credit card rewards for being smart with the spending I’m doing anyway to grow my business, and I’m here to share how. 

Your business already spends money. Make big banks pay YOU. Before you chase another client or launch, look at the value hiding in the business expenses you’re already paying.

In this episode of the Unicorn Millionaire Podcast, I share how I earned $575 from Bank of America and $603 from Wells Fargo Signify Business Cash on a $10,000 coaching investment I was already planning.

We’re talking about business credit card welcome bonuses, choosing cash versus statement credits, getting more value from rewards, and using introductory 0% APR offers with a payoff plan. These were one-time welcome bonuses, not my everyday earning rate, and the $1,227 in combined potential value includes cash, gift cards, and remaining rewards.

You’ll also hear how I’m using these perks for food, movies, and a future Roth IRA contribution. Your business isn’t just where you make money. It can help fund your early retirement AND your present-day pleasure without buying random sh*t just to earn a bonus.

🤑 Listening before November 10, 2026? Join my free live webinar, Business Owners: Find $10K+ in Hidden Business Benefits Before 2027, on Tuesday, November 10 at 1 PM PT / 4 PM ET. We’ll explore business perks, points, eligible write-offs, and retirement accounts, with live Q&A. No replay.

Register here: https://calendly.com/travelercharly/bizfinances/

💸 Whether you’re listening before or after the webinar, explore six-month money coaching, join my Dom Your Dinero emails, and find my current resources here: https://linktr.ee/travelercharly

I’m @travelercharly (they/he), a nonbinary Latinx money coach and former stockbroker. In my six-month private money coaching, I help LGBTQ+, BIPOC, first-gen, and neurodivergent folks optimize their cash, credit, and investments with their current income so they can be their own sugar daddy now and still retire early.

Your business is making money, but chasing invoices, inconsistent sales, and messy finances have you fantasizing about a steady paycheck. You don’t miss the commute, code-switching, or condescending boss. You miss financial stability, so here is how you build your own.

In this episode of the Unicorn Millionaire Podcast, I share how I create stability as a business owner earning around $45K–$62K a year while investing for retirement, taking time off, and making room for present-day pleasure.

We’re talking about pricing your services to support your life, funding a Roth IRA and solo 401(k), getting more value from planned business spending, and scheduling self-care instead of waiting until every email is answered.

You’ll also hear about a client who went from a burnt-out workhorse mentality to maxing out her retirement accounts and spending more time gardening instead of reacting to her inbox out of scarcity. Because building wealth should give you breathing room, not just another reason to work harder.

🤑 Listening before November 10, 2026? Join my free live webinar, Business Owners: Find $10K+ in Hidden Business Benefits Before 2027, on Tuesday, November 10 at 1 PM PT / 4 PM ET. We’ll explore business perks, points, eligible write-offs, and retirement accounts, with live Q&A. No replay.

Register here: https://calendly.com/travelercharly/bizfinances/

💸 Whether you’re listening before or after the webinar, explore six-month money coaching, join my Dom Your Dinero emails, and find my current resources here: https://linktr.ee/travelercharly

I’m @travelercharly(they/he), a nonbinary Latinx money coach and former stockbroker. In my six-month private money coaching, I help LGBTQ+, BIPOC, first-gen, and neurodivergent folks optimize their cash, credit, and investments with their current income so they can be their own sugar daddy now and still retire early.

If you're self-employed, understanding the Roth IRA and Solo 401(k) 2026 contribution limits, tax benefits, and deadlines could make a major difference in how much wealth you build before retirement.

As a certified Roth Freak and low income earner who has never made more than $45k in a single year. I've been maxing out my Roth IRA since 2017, and today that account has approximately $41,000 in unrealized investment gains. That’s 45% growth. My Solo Roth 401(k) has also grown by 18%.

In this episode of the Unicorn Millionaire Podcast, I'm sharing my personal retirement investing strategy and explaining why I prioritize my Roth IRA before contributing to my Solo Roth 401(k).

Here's what you'll learn:

• 2026 Roth IRA contribution limits: $7,500 if you're under 50, or $8,600 if you're 50 or older, subject to eligibility.

• 2026 Solo 401(k) contribution limits: Up to $72,000 in combined employee and employer contributions, depending on your eligible business income.

• Retirement contribution deadlines: Why December 31 matters for certain Solo 401(k) elections and why you have until April 15, 2027, to make eligible 2026 Roth IRA contributions.

• Roth vs. traditional retirement accounts: How tax-free qualified Roth withdrawals can help you keep more of your investment growth.

• The power of compound growth: Why consistently investing your money can help you work toward early retirement, even without a six-figure salary.

I've met people in their 60s who regret not taking advantage of Roth accounts earlier. That's why I want business owners to understand these opportunities NOW.

You cannot budget your way to early retirement. You need to optimize your cash, credit, and investments so your money is working for you.

And in the next episode, I'll share how I helped my client KC become confident managing their own investments and avoid $30,000 in financial advisor fees over 10 years.

Ready to optimize your dinero? Join my business finances webinar on Nov 10, learn more about my six-month money coaching program, and join my free Dom Your Dinero emails at https://linktr.ee/travelercharly.

About @Travelercharly: I'm a money coach helping LGBTQ+, BIPOC, first-gen, and neurodivergent folks optimize their cash, credit, and investments so they can grow their wealth and become the rich gay auntie or uncle of their dreams.

Educational content only. Contribution eligibility, tax treatment, and deadlines depend on individual circumstances. Investment returns are not guaranteed.

Don't wait until April to figure out how much your business owes in taxes! 💸

In this episode of the Unicorn Millionaire Podcast, I'm sharing exactly how I prepare my business finances before December 31 so I can keep more money, avoid tax-season surprises, and continue building wealth.

After six years of running my own money coaching business, I've learned that tax planning isn't just about write-offs. It's about knowing your numbers and making the money you're already earning work harder.

You'll learn how I:

💸 Meet with my accountant in October to estimate my taxes BEFORE the year ends

💸 Spend just 20 minutes a month organizing my QuickBooks expenses so I don't need to hire a bookkeeper

💸 Identify potential business write-offs while earning points and cash back on purchases, including $200 back on a new phone

💸 Set aside money for taxes while prioritizing my Roth IRA and Solo Roth 401(k) to build wealth and retire early

Your business shouldn't just be paying your bills. It should be building your personal wealth and funding your retirement!

Listening before November 10, 2026?

Join my FREE webinar, Business Owners: Find $10K+ in Hidden Business Benefits Before 2027, on November 10 at 1 PM PT / 4 PM ET.

We'll uncover overlooked perks, points, write-offs, and retirement opportunities that could be hiding inside your business. Includes live Q&A, a surprise bonus, and NO replay!

Listening after November 10, 2026?

Visit my Linktree to learn about Six-Month Money Coaching, book a clarity call, and join my Dom Your Dinero emails.

💸 Register for the webinar, explore coaching, and join my emails: https://linktr.ee/travelercharly

Disclaimer: I'm a money coach, not a CPA or tax professional. This episode shares my personal experience and is for educational purposes, not individualized tax advice. Consult a qualified tax professional about your business.

Book a call with my accountant, Sainte, here.

About @Travelercharly:

I'm Charly Stoever (they/he), a nonbinary Latinx money coach, former stockbroker, MBA grad, and host of Unicorn Millionaire. I built a $280K net worth without ever making more than $45K a year and have traveled solo to 39 countries as a single income earner.

I help LGBTQ+, BIPOC, first-gen, and neurospicy folks optimize their cash, credit, and investments so they can become the rich gay auntie or uncle of their dreams. My business has let me work from multiple countries and take two months off a year while maxing out my Roth IRA.

I want your dinero to help fund that kind of freedom, too.

Your next $10K might not require another launch, client, or offer. There could be value hiding in the business you’ve already built.

In this episode, I’m previewing my free webinar, Business Owners: Find $10K+ in Hidden Business Benefits Before 2027, and sharing what we’ll explore across business perks, points, eligible write-offs, and retirement accounts.

If you’re an LGBTQ+, BIPOC, first-gen, or neurospicy business owner, I want your business to help fund your freedom, your early retirement, and the impact you want to make. Your financial well-being belongs in the mission, too.

Listening before November 10, 2026? Click here to register for the free webinar on November 10th at 1 PM PT / 4 PM ET. Includes live Q&A, a surprise bonus at the end, and no replay.

Listening after November 10, 2026? Head here to learn more about Six-Month Money Coaching, book a clarity call to get started, and join my Dom Your Dinero emails.

About @Travelercharly

I’m Charly Stoever (they/he), a nonbinary Latinx money coach, former stockbroker, MBA grad, and host of Unicorn Millionaire. I built a $280K net worth without ever making more than $45K a year and have traveled solo to 39 countries as a single income earner.

I help LGBTQ+, BIPOC, first-gen, and neurospicy folks optimize their cash, credit, and investments so they can become the rich gay auntie or uncle of their dreams. My business has let me work from multiple countries and take two months off a year while maxing out my Roth IRA. I want your dinero to help fund that kind of freedom, too.

In this episode of the Unicorn Millionaire Podcast, I’m breaking down four money questions every business owner should be asking if you want your business to create wealth, freedom, and an early retirement, not just another paycheck.

We’re talking about:

💸 Whether you’re actually tracking your revenue and knowing how much your business makes

💸 How to use business credit cards to earn points, cash back, and bonuses on expenses you’re already paying

💸 Why your business cash should be making money instead of sitting around doing nothing

💸 How to use your business to fund your investments and retirement, not just your life today

I’m also sharing how I’m turning a $5K business coaching investment into a $500 credit card bonus, and why I’m constantly asking: What else can this dollar do for me?

You don’t always need another client, launch, or offer to make more money. Sometimes you need to optimize the money your business is already making.

Want to know when my upcoming FREE business-owner webinar drops? Join my Dom Your Dinero email list to be the first to know, and learn about 6 month coaching here: https://linktr.ee/travelercharly

In this episode of the Unicorn Millionaire Podcast, I take you behind the scenes of why I'm strategically carrying $18,000 in business debt, why I'm not paying a penny in interest, and how that decision allows me to invest more, grow my net worth, and take three-week vacations every quarter, nearly two months off every year, without sacrificing my business.

You’ll learn:

• Why I'm intentionally carrying $18,000 in business debt, and why paying it off immediately isn't always the smartest financial move.
• How I use an Employer Identification Number (EIN), business credit cards, and 0% APR offers to improve cash flow, build wealth, and avoid unnecessary interest.
• How to separate your business and personal finances so you can make financial decisions like a CEO, not from fear.
• How to build a business that gives you more time, freedom, and peace of mind, while continuing to grow your wealth.

If you're a business owner with money in the bank, but you're not sure whether to invest, pay off debt, or keep cash on hand, this episode will help you think strategically so your money creates more freedom today, not just someday.

🎙️ I'm Charly Stoever, a queer Latinx money coach, former stockbroker, and founder of @Travelercharly Money Coaching. I help LGBTQ+, BIPOC, first-gen, neurodivergent people, and business owners optimize their cash, credit, debt, and investments so they can build wealth, retire early, and create more freedom, without needing to make more money.

Book a 1:1 money coaching call, subscribe to my Dom Your Dinero emails, and hire me for public speaking here: https://linktr.ee/travelercharly

Your choice of partner(s) can shape far more than your love life; it can influence your money, mental health, confidence, boundaries, and the future you build together.

In this episode of the Unicorn Millionaire Podcast, I sit down with Jo Westwood, aka The Codependency Coach, to talk about one of the biggest investments you'll ever make: the people you choose to build your life with.

We explore how codependency, people-pleasing, and a lack of boundaries can quietly affect your relationships, finances, and overall well-being—and what it takes to build healthy, lasting love instead.

Whether you're dating, partnered, healing from a breakup, or simply want healthier relationships, this conversation will help you make more intentional decisions about who you invest your time, energy, and heart in.

• How to choose the right partner(s) for a healthy, lasting relationship
• Why self-trust is the foundation of every great relationship
• How codependency and people-pleasing show up in dating
• The red flags and green flags to look for early on
• How healthy boundaries lead to healthier relationships
• Why the right partner can positively impact your money, health, and happiness
• How to build relationships that feel peaceful instead of exhausting

Jo Westwood aka The Codependency Coach helps Millennial and Gen X women and AFAB babes to build unshakeable self trust and bulletproof boundaries, so they never end up in another toxic relationship and can finally find healthy, lasting love.

Website: http://jowestwood.com/

Instagram: http://instagram.com/jowestwood

Podcast: https://jowestwood.com/podcast

🦄 Want to work with Charly? To book 1:1 money coaching, subscribe to my Dom Your Dinero emails, listen to the podcast, and find everything else I'm up to, head here: https://linktr.ee/travelercharly

Got $10K, $20K, $50K or more sitting in savings and wondering what the h*ll you're supposed to do with it?

Once you've built your emergency fund, keeping more and more money in cash isn't necessarily helping you build wealth faster. At some point, you need to decide how much cash is enough, and how to make the rest of your money work harder.

In this episode of the Unicorn Millionaire Podcast, I'm breaking down how I think about optimizing extra cash and what I look at before deciding where to invest it.

I personally don't like keeping much more than $10K–$20K in cash. When I have an influx of money beyond what I need, I look for ways to put it to work. That mindset has helped me grow my net worth to more than $250K without ever paying myself more than $45K a year.

In this episode, you'll learn:

• How much cash to keep before investing the rest — and why your emergency fund doesn't need to become a giant pile of money you're afraid to touch.
• Where to invest your extra cash — including how I think about Roth accounts, old 401(k)s, rollovers, fees, and choosing the right accounts for your money.
• How to make the money you already have work harder, instead of waiting for a bigger salary before you start seriously building wealth.

Building wealth is about knowing when you've saved enough and what to do with the rest.

🌈 Ready to figure out exactly where YOUR cash, credit, and investments should go?

Join my free webinar, book 1:1 money coaching, subscribe to my Dom Your Dinero emails, and find everything else here: https://linktr.ee/travelercharly

What if the income ceiling you keep hitting isn’t actually about your skills, your work ethic, or how hard you’re trying?

In this episode, I’m joined by Pam Covarrubias, host of the Café con Pam Podcast, to talk about how first-gen high achievers can break through the invisible ceilings that keep us from earning, charging, building, and living at our next level.

Pam shares how she went from being a corporate executive to quitting her job without savings or a plan, taking a job at a coffee shop to pay her bills while she built her business, and eventually going all-in on coaching. Along the way, she had to work through her own money wounds, recognize her expertise, and learn to charge enough to actually make a living from her work.

We talk about:

• How to recognize when you’ve created an invisible ceiling around how much you can earn
• Why making more money can feel unfamiliar, even when you consciously KNOW you’re capable of more
• How Pam quit corporate America and built her own business
• Why first-gen entrepreneurs may struggle to charge more for their expertise
• How loyalty to your family and lineage can quietly influence your money decisions
• Why visibility and success can feel unsafe
• How to stop waiting for other people’s validation before going after what you want

• Using somatic work and subconscious reprogramming to change the patterns that strategy alone hasn’t fixed
• Why investing in coaching and support can help you keep growing instead of trying to figure everything out alone

Pam also shares one of my favorite examples from the episode: a client who kept hitting the same money threshold. When they dug deeper, Pam discovered that the women in her family had never earned beyond that level. Breaking the income ceiling meant addressing her loyalty to her lineage, not simply finding another business strategy.

You need to figure out what's making your next level feel impossible, unsafe, or like something people like you aren't supposed to have.

Pam Covarrubias is a leadership coach, media founder, and somatic practitioner helping first-gen high-achievers break up with performance culture and lead from their Certainty. She is the creator of Calladita Culture®, a framework for women ready to stop silencing themselves, betraying their bodies, and burning out to belong.

Through coaching and consulting, she partners with organizations to build leaders rooted in wholeness, not hustle. She is also the host of the globally acclaimed Café con Pam, where she amplifies first-gen voices and challenges the narratives that keep us playing small.

Pam's work draws on somatic and trauma-informed practices, including clinical EFT, and her broader body of work focuses on helping first-gen leaders move beyond the ceilings that strategy alone can't necessarily solve.

Find Pam at Café con Pam and Pam Covarrubias, or follow @cafeconpampodcast.

🦄 Want to work with Charly? To book 1:1 money coaching, join my free webinar, subscribe to my Dom Your Dinero emails, listen to the podcast, and find everything else I'm up to, head here: https://linktr.ee/travelercharly