I'm not another white guy in a suit giving a boring finance talk – I’m a queer, trans, ex stock broker turned money coach here to empower your team - and, let's be real, keep them productive 😈🏳️‍🌈

Listen to this episode to learn about my latest DEI class and how I got the corporate chat to pop off way more than it normally does.

Or, if you're a future client, learn for all the ways I can help you retire early in my 1:1 coaching.

I’m an ex stock broker who’s here to make money joyful and sexy. Whether it’s LGBTQ, First Gen, or BIPOC employees – I love delivering DEI-focused corporate workshops that blow up the chat.

I’m not just throwing jargon around – I’m here to create Roth FREAKS and empower your team to take control of their financial futures.

This won’t be another boring PowerPoint session.

What Topics Can I Teach Your Team?

I can cover a wide range of topics, like:

I'm also happy to design a topic specific to your team.

Credentials: I have a BA from Wellesley College and a Social Impact MBA from The Heller School at Brandeis University.

Can't wait to talk sprinkle some queer joy into your next zoom room! Click here to hire me for your next speaking engagement.

To work 1:1 with me to invest your way to early retirement, and to join my Roth Freak Fridays emails, click here.

To Join Kirsten Roldan's Million Dollar email course, which helped me make $18.5k in sales in November via email, click here.

In this episode, Maribel Francisco, founder of Our Wealth Matters, shares her expertise in empowering immigrant communities through financial education and coaching. Maribel dives deep into the financial challenges faced by ITIN holders and undocumented individuals, sharing tips on building credit, growing savings, and investing for long-term wealth.

She explains the protections of IRS code 6103, which safeguards ITIN holders’ information, and recommends top financial institutions like Fidelity, Charles Schwab, and TD Ameritrade for their ITIN-friendly services. Maribel also emphasizes the importance of high-yield savings accounts and highlights platforms like Bask Bank for securing emergency funds.

Drawing from her own first gen journey , Maribel shares the need for financial literacy, especially within immigrant and Latinx communities, and how understanding the rules of the U.S. financial system lead to financial freedom.

Tune in to learn how to overcome financial barriers, take small but meaningful steps toward wealth, and build a financial legacy for future generations.

Maribel, is founder of @OurWealthMatters AKA Your Favorite Immigrant-Money Coach. She is the daughter of Mexican, indigenous, immigrants. She leverages her first-hand life experience, bilingual capabilities, & knowledge in taxes and corporate finance, to serve USA-based immigrants – because she believes more immigrants need to know they can legally earn, save, and invest their money while in the USA - irrelevant of their immigration status.

She has been featured in The New York Times, Univision, & NerdWallet.

Website: www.ourwealthmatters.com/freebie

Instagram: @OurWealthMatters

Tiktok: @OurWealthMatters

In this episode, we're getting spicy. We're getting political. Listen to how Bernadette Joy Cruz Maulion, a money coach and author, crushed $300k in debt to founding Crush Your Money Goals®.

In 2016, she was faced with so much debt that she couldn't feel like she could make an impact in politics. Now, as a multimillionaire, she used her financial freedom to get involved AF in the 2024 election and educate herself and her audience on what was at stake.

Hear about her impactful work on the Kamala Harris campaign in North Carolina, as well as the hard conversations she had with white women, many of whom were in the closest proximity to white male Trump supporters, and how so many of her clients are deciding to leave their Trumps supporting partners. Bye!

We also talk self-advocacy as a woman of color, especially in the world of publishing, where she fought to have her own image as an Asian woman featured on the cover of her book.

As the 8th child in her father's brood of nine and a first-gen Filipina-American, Bernadette understands those who feel like they missed the money memo.

She's also the CEO of Crush Your Money Goals®, a personal finance training company serving up education with a side of pizzazz. She's featured monthly in Forbes, CNBC, and CNET and appeared on more than 30 podcasts, radio and television shows. 

Now she works 20 hours a week to focus her financial freedom on joy: K-Pop, yoga, karaoke and spoiling her nieces and nephews as their traveling rich auntie.

Her highly anticipated 1st book, Crush Your Money Goals

You can find her as

To join Charly's newsletter and learn about 1:1 coaching, click here.

In this episode, I answer: should you rent or buy a home? It’s not about following the crowd or what society expects—it’s about making the best financial decision for YOU. Many Latinx families see real estate as the only path to building wealth, but is it really?

I break this down and explore smart wealth-building strategies, and show you client examples of how renting is a better choice than buying and vice versa. Tune in to gain clarity on whether homeownership is truly your goal—or just what you've been told you should want.

There are much easier, more passive ways to build wealth than buying a house. Buying a house is a strong move because you can sell it and build equity. I’ll help you gain this clarity in my 1:1 coaching. To get a taste of what it’s like working with me, the next step is to sign up for my class THIS THURSDAY, 12/12. Can't make it? I'll send out a recording.

🚨Class price is going up the closer we get to the 12th—get in before it goes up again AT RANDOM🚨

To sign up for @travelercharly's class on 12/12 to cut your time to home ownership in half, ⁠save your spot here.

This class is for everyone who wants to build better savings, credit, and investing strategies-buying a home is not required!

For customized help with investing your year end bonus and starting off the New Year with a bang, join private coaching with me.

I’ll help you eliminate the stress of not knowing if you're doing the right thing with your money. I know exactly how to help you during each call and give you small, concrete steps you can follow to make $10k+ in passive income a year.

I'll work one on one with you for 6 months. You get whatsapp access to ask me questions to keep the learning going in between our biweekly calls, and you get access to all my classes to watch on demand. You get big results without the classes, but better results with them.

⁠To learn more about 1:1 money coaching and to join @travelercharly's Roth Freak Fridays Emails, click here!

Listen to this episode to learn how LGBT/BIPOC can use Credit Card Points to Travel the World. I met Rachel at Fincon recently and we talked all about points transfers, which websites to use, credit cards, and simple ways to level up your points game!

Thomas Life is an Affordable Travel Strategist + Planner. Find her on:

YouTube: https://www.youtube.com/@RachelThomasLife

Instagram: https://www.instagram.com/rachelthomaslife/

TikTok: https://www.tiktok.com/@rachelthomaslife

Website: https://www.thomastravelconcierge.com

To sign up for @travelercharly's class on 12/12 to cut your time to home ownership in half, save your spot here. Prices are going up the closer the class date gets, so save your spot now!

To learn more about 1:1 money coaching and to join @travelrcharly's Roth Freak Fridays Emails, click here!

Are you ready to join the 800+ credit score club? In this episode, we dive into why boosting your credit score is more urgent than ever—and how to make it happen. Building a strong credit score isn't just about securing loans for a home or car. It's about unlocking financial freedom and creating opportunities in every aspect of life. Here’s what you’ll learn:

How to help loved ones build their credit by adding them as an authorized user

The benefits of lower interest rates on credit cards

Getting approved to rent an apartment with a high credit score

How your personal credit can impact business loans and opening business credit cards

If you’re part of the LGBT or BIPOC community, this episode provides key strategies for overcoming systemic financial barriers and achieving the credit score you deserve.

🚨The Cost of The Class Is Going Up The Closer We Get to The Class Date—Get In Before It Goes Up Again AT RANDOM🚨

Can't make it? I'll send out a recording so lock in your price now. 

SAVE YOUR SPOT HERE TO SIGN UP FOR MY CLASS ON 12/12: FINANCIALLY PREP FOR A HOME!

Need tailored help with buying a home? I have helped my clients close on their homes in just a few months while helping them generate $10k+ in passive income a year.

Inside of my 6 month coaching, I will walk you through how much cash you should save and WHERE, as well as how to set up your investments so you're not stressing out about your finances and closing on a home with ease.

Book a call here to start my 6 month money coaching program!

To join my Roth Freak Fridays emails, click here.

In this episode, Charly gives their thoughts on the duality of your net worth being the highest with stocks being up while also grappling with the election results. They also interview financial mentor and scholarship expert Ms. Chika, who shares her insider tips on unlocking scholarships for adults—beyond higher education. Whether you’re looking for funding for conferences, professional development programs, travel opportunities, or skill-building workshops, Ms. Chika reveals how to access these valuable resources. With over $200k in scholarships won and a passion for empowering marginalized communities, Ms. Chika gives actionable advice to help you overcome financial barriers and seize opportunities for growth.

Tok: https://www.tiktok.com/@askmschika

IG: https://www.instagram.com/askmschika

YouTube: https://youtube.com/@askmschika

To work with Charly and get your money makeover, click here: https://linktr.ee/travelercharly

Election day is a HUGE day for the stock market. Listen to this timely episode to learn all about how to navigate stock market fluctuations in intentional ways, with the election tomorrow as just one example. I share how I borrowed $16,000 of stock in a risky day trade the last election and what I'm doing with my stocks this time around. I also share how I'm practicing self care as this is an extremely stressful time for a lot of us, and how I navigated an awkward AF interaction as a queer person with a trump supporting Uber driver recently in Atlanta.

If you want to give every dollar a purpose so you can take advantage of certain times of the year, like open enrollment, AND easily make an extra $10K+ a year in passive income from savings and investments, that’s exactly what I can help you with inside of my Unicorn Millionaire money coaching program.

I work one on one with clients for 6 months. You get a money makeover with me from the jump, where we talk about what every dollar is doing for you now vs how much it could grow in the right accounts. I also help uncover your mindset blocks that are holding you back from taking action on building wealth.

You get whatsapp access to ask me questions to keep the learning going in between our biweekly calls. You access my investing curriculum so that investing goes from being overwhelming to being fun. The investment is $6,000, or 2 payments of $3,100.

⁠Book a call here to get started with my 6 month money coaching program.⁠

*NOVEMBER 2024 ONLY*: I'm offering a one-off call with you to give your money a makeover. The last time I offered these types of calls was 3 YEARS AGO. I don't plan on doing them again anytime soon, so get it while it's hot! ;)

During this Money Makeover call, I will do an intake of your money, from cash, to credit, to investments, and help you tweak your accounts to make so that your money can work for you before 2025 even starts.

*BONUS*

If you sign up for my 6 month money coaching program by November 30th, you can use the $297 payment for this call as a credit for my $6,000 private money coaching program, which brings the cost down to $5,703!

⁠BOOK YOUR NOVEMBER MAKEOVER CALL HERE⁠

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⁠Want juicy investing updates straight to your inbox? Join my Roth Freak Fridays Email Series here.

Listen to this episode to learn why November is the BEST time to start money coaching with me! November is when open enrollment for Employer benefits starts, and in particular, Health Savings Accounts (HSAs)! This lasts from November 1- January 15. This is the time when you can enroll in, renew, or change your health plan through the Marketplace. HSAs are sexy because they're TRIPLE tax-advantaged savings accounts specifically designed for medical expenses. Most people don't know how to fully maximize this tax free growth because they don't understand how to invest it. When I got a blood clot in 2020, I sold off of my investments in my HSA to pay for the hospital bills. I'm so glad I understood how to do this intentionally so I didn't deplete my emergency savings. I also share how to maximize your year end bonus.

If you want to give every dollar a purpose so you can take advantage of certain times of the year, like open enrollment, AND easily make an extra $10K+ a year in passive income from savings and investments, that’s exactly what I can help you with inside of my Unicorn Millionaire money coaching program.

I work one on one with clients for 6 months. You get a money makeover with me from the jump, where we talk about what every dollar is doing for you now vs how much it could grow in the right accounts. I also help uncover your mindset blocks that are holding you back from taking action on building wealth.

You get whatsapp access to ask me questions to keep the learning going in between our biweekly calls. You access my investing curriculum so that investing goes from being overwhelming to being fun. The investment is $6,000, or 2 payments of $3,100.

Book a call here to get started with my 6 month money coaching program.

*NOVEMBER 2024 ONLY*: I'm offering a one-off call with you to give your money a makeover. The last time I offered these types of calls was 3 YEARS AGO. I don't plan on doing them again anytime soon, so get it while it's hot! ;)

During this Money Makeover call, I will do an intake of your money, from cash, to credit, to investments, and help you tweak your accounts to make so that your money can work for you before 2025 even starts.

*BONUS*

If you sign up for my 6 month money coaching program by November 30th, you can use the $297 payment for this call as a credit for my $6,000 private money coaching program, which brings the cost down to $5,703!

BOOK YOUR NOVEMBER MAKEOVER CALL HERE

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Want juicy investing updates straight to your inbox? Join my Roth Freak Fridays Email Series here.

I've worked on removing the shame I had around pet sitting for the past DECADE as an additional revenue stream, and I'm sharing more about it! Listen to this episode to learn how to destigmatize your income sources and retire sooner. Pet sitting is part of my early retirement plan. 've made thousands of dollars pet sitting and saved tens of thousands of dollars on rent that I'm investing instead. I also share how having 31 five star reviews on Rover helped me jump right into getting booked out on Trusted Housesitters profile with ZERO references. I've always loved animals and will still pet sit at the millionaire level. Money is money, and when I reach a million net worth, I'll look back at this moment and be grateful that I removed the shame so that I could move through love more freely and inspire others to do the same.

To join my ROTH FREAK FRIDAYS email series and hire me as your money coach, click here.