In this episode, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, focuses on helping first-generation wealth builders achieve stage four of financial security which entails saving one month of expenses.  

Soledad discusses overcoming guilt, fear, or shame around saving, developing key beliefs necessary for financial progress, identifying essential financial literacy skills, and cultivating habits that support ongoing savings and financial stability.  

Soledad also celebrates the podcast reaching 1,000 downloads and sets a personal goal of 25,000 downloads within the first year. Listeners are encouraged to share the podcast and join an upcoming free webinar for a chance to win 12-month access to Wealth Para Todos Academy.  

00:00 Webinar Announcement and Introduction

01:17 Celebrating Podcast Milestones

02:35 Understanding Stage Four of Financial Security

04:06 Beliefs First Gen Wealth Builders Need to Save

09:53 Essential Financial Skills

13:46 Habits for Maintaining Financial Security

17:57 Conclusion and Next Steps

Link to Register for the Free Webinar 
   

In this episode, host Rita-Soledad Fernandez Paulino discusses the importance of maintaining a checking account buffer as a form of financial self-care. They explain what a checking account buffer is, why it's crucial for financial wellness, and provides practical advice on how to create and maintain one—even for those with inconsistent incomes.

Soledad shares their personal journey and offers insights into common mindset blocks that can hinder maintaining a buffer. They also provide a comprehensive formula for determining the right amount for your buffer and emphasizes the significance of reviewing your finances regularly to ensure financial stability and reduce anxiety.

The end goal is to help first-generation wealth builders, Black, Indigenous, People of Color (BIPOC), women, and LGBTQ+ communities achieve financial security without sacrificing their well-being.

00:00 Introduction and Webinar Announcement

00:19 Meet Your Host: Rita-Soledad Fernandez Paulino

00:41 The Importance of a Checking Account Buffer

01:16 Personal Journey to Building a Buffer

02:32 Defining a Checking Account Buffer

07:44 Mindset Blocks and Overcoming Guilt

13:07 Building and Protecting Your Buffer

19:38 Key Takeaways and Final Thoughts

21:50 Conclusion and Next Steps

Link to Register for the Free Webinar 

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino dives into the importance of dinero self-care for couples. They discuss how regular money dates can build financial trust, reduce anxiety, and enhance emotional intimacy.

Soledad highlights the common challenges couples face in engaging in financial conversations and provides strategies to overcome them. They introduce the concept of dream dates to foster motivation and connection, and offers practical tips for conducting effective weekly money dates.

The episode emphasizes that consistent financial check-ins are crucial for building a secure and joyful future together.

00:00 Introduction to Wealth Para Todos

00:21 The Importance of Money Conversations in Relationships

01:01 Personal Anecdotes and Setting the Scene

02:14 Why Dinero Self-Care Should Be a Priority

06:11 Challenges in Practicing Dinero Self-Care

15:33 Introducing Dream Dates

19:21 Weekly Money Date Routine

24:08 Final Thoughts and Encouragement

25:33 Closing Remarks and Disclaimers

In this episode, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, delves into the concept of Dinero Self-Care and its importance for financial security, especially for Black, Indigenous, people of color, women, and LGBTQ+ communities.

Soledad explains the 10 stages of financial security and highlights practical steps to enhance financial wellness without sacrificing emotional well-being.

Listeners learn about overcoming barriers such as money avoidance, financial shame, internalized beliefs, and societal pressures, and are guided on creating a sustainable Dinero Self-care routine.

The episode also underscores the significance of financial literacy and offers strategies for incorporating financial check-ins and goal setting to build wealth intentionally.

00:00 Introduction to Dinero Self-Care
01:13 Understanding Financial Security
02:32 Barriers to Dinero Self-Care
08:50 Stages of Financial Security
17:26 Building a Dinero Self-Care Routine
20:11 Conclusion and Final Thoughts

In this episode of Wealth Para Todos, host Rita Soledad Fernandez Paulino introduces the wealth building cycle, designed to help marginalized groups achieve financial security without compromising their wellness.

The four essential components discussed are nurturing a positive money mindset, developing financial literacy, knowing your numbers, and increasing your income. 

Soledad shares personal stories and strategies to illustrate how each component contributes to the cycle and stresses the importance of integrating politics into finance discussions. They conclude with actionable advice and an invitation to join them for personalized coaching.

00:00 Introduction to Wealth Para Todos
00:58 Personal Reflections and Political Context
03:43 Understanding the Wealth Building Cycle
04:09 Nurturing a Positive Money Mindset
05:57 Developing Financial Literacy
08:11 Knowing Your Numbers
09:57 Increasing Your Income
13:11 Real-Life Examples of Wealth Building
25:58 Key Lessons and Final Thoughts

CNET Article with House Savings Google Sheet

In this episode, host Rita-Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, shares a deeply personal account of navigating self-care and financial planning during a season of grief.

Following the passing of her grandmother, Soledad departs from the planned topic of the wealth building cycle to discuss how they have adjusted their D.I.V.E.R.S.E. self-care routines. They emphasizes the importance of emotional expression, leaning on support systems, and adapting her financial care routine to manage the heavy emotional load.

The episode serves as a guide for listeners to balance self-care and financial resilience in times of sorrow, with practical strategies for maintaining wellness and productivity. Soledad concludes with a reminder that grief will impact routines and self-care may look different in challenging times.

00:00 Introduction and Host Welcome

00:21 A Change in Plans: Grieving and Self-Care

01:19 Personal Reflections on Loss

02:54 Navigating Diverse Self-Care During Grief

05:50 Dinero Self-Care Amidst Grief

07:44 Interpersonal Self-Care: Seeking Support

09:27 Vocational Self-Care: Delegating and Adjusting

11:43 Emotional Self-Care: Allowing Emotions

13:29 Restorative Body Self-Care: Physical Health Challenges

15:39 Spiritual Self-Care: Connecting with Ancestors

17:12 Environmental Self-Care: Creating Comforting Spaces

18:31 Conclusion: Embracing Grief and Self-Care

Link to Asha B. Wilkerson's Joy Activation Challenge

In this episode of Wealth Para Todos, host Rita Soledad Fernandez Paulino, a queer Mexican American money and self-care coach, explores the deep connection between self-care and financial security. Stress and burnout can impede financial planning, making budgeting and saving difficult.

Soledad introduces their concept of 'D.I.V.E.R.S.E. self-care,' an acronym for the seven types of self-care that support wealth building: dinero, interpersonal, vocational, emotional, restorative body, spiritual, and environmental self-care.

They emphasize that self-care is essential for mental clarity, emotional regulation, and overall wellness, all of which are crucial for achieving financial goals. The episode concludes with practical advice on integrating D.I.V.E.R.S.E. self-care into daily routines and highlights the importance of compassion and flexibility in the journey toward financial security.

00:00 Introduction to Wealth Para Todos

00:26 The Connection Between Self Care and Financial Security

02:15 Understanding the Brain's Role in Financial Planning

10:30 The Seven Types of Rest and Self Care

12:47 Creating a Personalized Self Care Plan

18:06 The Impact of Diverse Self Care on Financial Goals

24:01 Key Takeaways and Next Steps

Click here to take Module 1 of "How to Engage in D.I.V.E.R.S.E. Self-care Daily" for free

In this episode of Wealth Para Todos, Rita-Soledad Fernandez Paulino, a queer Mexican American money and self-care coach, addresses the struggle many face in sticking to their financial plans.

Soledad shares insights from a follower's story of falling into debt despite taking significant steps to improve their finances and mental health. They discuss why hiding credit cards isn't a solution and highlights the importance of understanding the root causes of spending habits. The episode delves into practical strategies such as setting up sinking funds, maintaining a checking account buffer, and leveraging debt strategically.

Soledad encourages listeners to build financial habits that factor in self-care and joy, rather than just focusing on food and shelter. They emphasizes the need for a shift in mindset about debt, viewing it as a neutral tool that, when managed properly, can be part of a healthy financial journey.

00:00 Introduction to Wealth Para Todos
00:21 A Personal Story of Financial Struggles
01:02 The Problem with Hiding Credit Cards
02:06 Building Trust and Sinking Funds
05:02 Proactive Budgeting for Joy
08:21 The Importance of Sinking Funds
13:54 Rethinking Debt and Financial Planning
16:20 Conclusion and Final Thoughts

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino shares their journey to achieving a significant investment milestone.

Broadcasting from downtown LA, Soledad recounts their early struggles with budgeting after a medical leave and their husband's job loss, and how these challenges catalyzed their financial planning. The episode delves into their strategic steps to reach 100K in investments, including aggressive 401k contributions and the importance of retirement calculators.

Soledad emphasizes the value of starting small, planning backwards, and being persistent and curious about investing. Soledad also highlights the emotional dynamics involved in convincing a partner to invest and how they learned to approach financial goals with less chaos and more joy.

Listeners are encouraged to explore their retirement accounts, use retirement calculators, and consider working one-on-one with a money and self-care coach to achieve their financial plans.

00:00 Introduction to Wealth Para Todos
00:21 Personal Background and Setting
00:56 The Magic of Investing 01:37 Our Financial Journey Begins
02:15 Discovering Hidden Investments
04:00 Maxing Out Retirement Accounts
10:29 Lessons from Financial Milestones
17:18 Planning for Early Retirement
22:05 Key Takeaways and Final Thoughts
23:43 Disclaimer and Closing Remarks

In this episode of Wealth Para Todos, host Rita Soledad Fernandez Paulino, a queer Mexican American money and self-care coach, shares their personal journey of achieving financial security.

Focusing on the emotional and practical aspects, Soledad discusses her experience of saving $30,000 for an emergency fund, overcoming fears of investing to open a Roth IRA, and the importance of setting clear financial goals. They emphasize the need to create sinking funds for expected expenses and offers practical tips for others embarking on their financial journeys.

By the end of the episode, listeners will gain insights on managing emotions in financial planning and taking actionable steps towards early retirement without sacrificing wellness.

00:00 Introduction to Wealth Para Todos
00:21 Personal Financial Journey Begins
01:03 Creating and Sticking to a Budget
02:43 Building the Emergency Fund 05:56 Overcoming Emotional Barriers
06:58 Preparing for Financial Setbacks
09:47 Investing in a Roth IRA
14:30 Steps to Open a Roth IRA
17:35 Key Takeaways and Final Thoughts
18:47 Call to Action and Conclusion