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.⁠⁠

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!