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In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, addresses the complexities of handling rapid business growth and financial expansion.

Inspired by a coaching call with a client in an 'expansion season,' Soledad offers insights into how to launch initiatives and grow without burning out.

Topics covered include managing nervous system responses to success, understanding and addressing fears around unmet expectations, and developing tools to maintain wellness during high-stress periods. The episode provides practical strategies such as journaling exercises, setting boundaries, financial planning, and prioritizing self-care.

Soledad emphasizes the importance of being kind to oneself and maintaining a balanced pace of growth to avoid burnout and sustain long-term success.

00:00 Introduction to Wealth Para Todos

00:21 Understanding Expansion Seasons

01:32 Navigating Success and Anxiety

02:58 Personal Experiences with Launching

08:07 Managing Expectations and Self-Care

14:34 Practical Tools for Launch Days

18:21 Controlling Your Pace and Final Thoughts

21:57 Conclusion and Next Steps

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In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, addresses a listener's question about the best investment accounts for children, including 529 plans, UGMA, and UTMA accounts.

They emphasize the importance of first ensuring personal financial stability before investing for children, highlighting the emotional, cultural, and ancestral factors that influence these financial decisions in first-gen and second-gen families. Soledad provides detailed explanations of the different types of accounts and steps to open and manage them. They also underscore the significance of financial education, advocating for teaching children money management skills rather than just passing down wealth.

The episode concludes with reminders and encouragement for parents to invest from a place of abundance, not self-sacrifice, while taking care of their own wellness.

00:00 Introduction to Wealth Para Todos

00:23 Understanding the Emotional Weight of Investing for Children

02:07 Prioritizing Your Financial Security

05:22 Exploring 529 Plans

06:29 UGMA and UTMA Accounts Explained

08:47 Steps to Start Investing for Your Child

09:18 Teaching Financial Literacy to Your Children

10:38 Personal Insights and Future Goals

12:51 Final Thoughts and Encouragement

13:39 Podcast Wrap-Up and Call to Action

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In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, discusses how Black, Indigenous people of color, women, and LGBTQ+ folks can build a financial plan to retire early without compromising their well-being.

They introduce the concept of 'financial capacity,' which is determined by the life season one is in, rather than mere willpower. They break down the five life seasons—growth, recovery, expansion, survival, and transition—using personal anecdotes to illustrate each.

Soledad emphasizes the importance of adjusting financial strategies to match one's current capacity, navigating life changes, and building financial security sustainably. Listeners are invited to join their Roth IRA office hours and apply for one-on-one coaching for personalized financial support.

00:00 Introduction to Wealth Para Todos

00:47 Understanding Financial Capacity

02:38 The Five Seasons of Financial Life

03:13 Survival Season: Navigating Crisis

05:02 Recovery Season: Healing and Rebuilding

07:11 Expansion Season: Embracing Growth

08:31 Transition Season: Adapting to Change

10:33 Growth Season: Building Systems and Stability

12:19 Avoiding Season Mismatch

13:43 Conclusion and Next Steps

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In this episode of Wealth Para Todos, host Rita-Soledad Fernández Paulino sits down with longtime client and friend Erika Padilla, founder of Vive Poderosa, to share a grounded and powerful story of rebuilding financial security as an immigrant single mom.

Erika shares what it was like immigrating from Mexico to Los Angeles at nine years old, growing up with financial scarcity, and working as an undocumented teenager to help support her family. She reflects on how those early experiences shaped her relationship with money, responsibility, and survival.

The conversation also explores the turning point that came after leaving a 16-year relationship with no savings, no assets, and two daughters to provide for. Erika walks through how learning her numbers, paying off high-interest debt, building savings, and investing for retirement helped her move from financial instability to long-term security.

Today, Erika is a business owner, consistently saving and investing, and on track to retire early—a reality she once thought was unattainable for someone from her background. This episode highlights what’s possible when first-generation wealth builders have access to education, support, and systems that honor both financial security and wellness.

00:00 Introduction to Wealth Para Todos

00:21 Meet Erika Padilla and her immigration story

01:23 Growing up with scarcity and early money lessons

02:34 Working as an undocumented teen and family responsibility

05:48 Leaving a long-term relationship and starting over financially

08:53 Building financial security: debt payoff, savings, and investing

14:04 Becoming a business owner and planning for early retirement

20:09 Final reflections and encouragement for first-gen wealth builders

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Soledad's Rent the Runway Referral Link 

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino shares their journey of renting clothes since 2017.

As a money and self-care coach dedicated to helping marginalized communities, they discuss the financial and emotional benefits of renting clothes, particularly during significant life changes like pregnancy and the pandemic.

Soledad explains how renting clothes has supported their minimalist lifestyle, provided emotional self-care, and enabled them to dress authentically. They highlight the convenience, cost-effectiveness, and self-affirmation that renting clothes has brought to their life, encouraging listeners to find financial and self-care strategies that work for them.

00:00 Introduction to Wealth Para Todos

00:41 Why I Started Renting Clothes

02:57 Embracing Minimalism and Renting During Pregnancy

04:36 Post-Pregnancy and Continued Clothing Rentals

06:44 Pandemic and Clothing Rentals

08:36 The Emotional and Practical Benefits of Renting Clothes

09:42 How Renting Clothes Works for Me

12:59 Final Thoughts on Renting Clothes

14:59 Podcast Updates and Listener Engagement

17:05 Conclusion and Disclaimer

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In this episode of Wealth Para Todos, host Rita Soledad Fernández Paulino offers invaluable insights for first gen wealth builders on how to navigate their employer retirement accounts. They share personal stories and essential tips to help listeners understand account access, plan options, contribution evaluations, and investment choices.

Soledad explains the complexities of 401(k), 403(b), 457, and TSP plans, including traditional vs. Roth options, contribution limits, and the significance of employer matches and vesting periods.

By following their four-stage roadmap to investing in the stock market, listeners will gain confidence to take control of their financial futures.

00:00 Introduction to Wealth Para Todos

00:21 The Cost of Not Understanding Employer Retirement Accounts

01:01 My Personal Journey with Employer Retirement Accounts

02:34 Understanding Employer Retirement Accounts

03:32 The Four Stages of Investing in the Stock Market

03:58 Navigating Employer Retirement Systems

08:27 Choosing Your Employer Retirement Account Type

11:31 Contribution Limits and Personal Contributions

15:28 Choosing Your Investment Assets

19:37 Employer Matches, Vesting, and Loans

22:44 Handling Employer Retirement Accounts When Leaving a Job

24:51 Final Thoughts and Additional Resources

More Information About WPT Academy 

In this episode, host Rita-Soledad Fernandez Paulino speaks with Ruby Oluoch, a creative public speaker and narrative strategist, about her experiences in coaching and financial management.

Ruby shares her journey from feeling uncomfortable with a significant salary increase to developing financial systems and resilience through the Wealth Para Todos Academy. The conversation delves into the importance of using money as a tool for wellness, dealing with systemic barriers, and the emotional impact of financial stability.

Ruby emphasizes the importance of self-care and the supportive environment of the academy for marginalized communities.

00:00 Welcome and Important Announcement

00:45 Meet Your Host: Rita-Soledad Fernandez Paulino

01:06 Introducing Ruby Oluch: Storytelling as Resistance

01:49 Ruby's Journey to Coaching

03:09 Financial Goals and Money Management

04:47 Transformations Through Coaching

06:51 Navigating Life Events and Building Resilience

10:52 Using Money to Support Wellness

18:33 Encouragement and Final Thoughts

22:43 Disclaimer and Closing Remarks

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In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino is joined by Nathalia from @chapina.buildingwealth, a Guatemalan immigrant and first-generation wealth builder, who shares her journey of overcoming $18,000 in credit card debt and her transformation into a money coach.

Nathalia discusses the pivotal role of self-care in her life, the challenges of balancing work, family, and personal well-being, and the importance of establishing boundaries. She details how hiring Soledad as her self-care coach helped her reclaim joy, implement healthy habits, and improve her financial coaching practice.

Nathalia provides insights into the D.I.V.E.R.S.E. Self-care framework and shares practical tips for those struggling to find time for self-care amidst their busy lives.

00:00 Introduction to Wealth Para Todos

00:21 Meet Nathalia: A Financial Transformation

01:07 The Journey to Self-Care

02:21 Recognizing and Addressing Burnout

07:27 The Impact of Self-Care on Financial Coaching

11:21 Implementing Self-Care Practices

15:25 Balancing Work, Family, and Self-Care

17:54 Choosing the Right Coaching Program

20:17 Conclusion and Final Thoughts

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino breaks down the concept of financial capacity and its impact on relationships. They discuss why some individuals struggle to engage in financial planning and how chronic stress, money trauma, mental health, grief, shame, and overstimulation can affect one's capacity to handle financial matters. 

Soledad provides practical tips for the partner managing finances to cope without becoming resentful and emphasizes the importance of mutual consent, simplified financial systems, and external support. Join the Wealth Para Todos Academy Waitlist  for more personalized guidance.

00:00 Introduction to Wealth Para Todos

00:58 Understanding Capacity in Financial Planning

03:44 Impact of Chronic Stress and Burnout

05:38 Money Trauma and Its Effects

07:06 Mental Health and Neurodivergence

09:02 The Role of Grief in Financial Capacity

10:48 Shame and Self-Protection

12:02 Overstimulation and Decision Fatigue

13:53 Managing Finances in a Relationship

17:53 Tips for Coping Without Resentment

23:53 Conclusion and Invitation to Wealth Para Todos Academy

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In this episode of Wealth Para Todos Podcast, host Rita-Soledad Fernandez Paulino delves into the intricacies of Index Universal Life Insurance (IUL) policies.

Soledad explains what IULs are, why they are marketed as tax-free retirement solutions, and who they might be suitable for. They discuss the high fees, limited growth, and complexities involved with IULs, highlighting the emotional tactics used to sell these products. Soledad also provides guidance on alternative wealth-building tools like Roth IRAs and emphasizes the importance of financial literacy and being wary of fear-based financial decisions.

If you're considering an IUL or already have one, the podcast offers practical advice on managing these policies effectively.

00:00 Introduction to Wealth Para Todos Podcast

01:01 Understanding Index Universal Life Insurance (IUL)

02:12 Why IULs are Popular in Certain Communities

02:54 The Financial Incentives Behind Selling IULs

04:16 The Emotional Appeal of IULs

06:25 The Hidden Costs and Risks of IULs

10:03 When an IUL Might Make Sense

11:05 Alternatives to IULs

13:43 Personal Experiences and Final Thoughts

16:29 Conclusion and Next Episode Preview