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

10 Stages of Financial Security Handout 

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

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino shares her personal journey from shame-based financial practices to a joy-filled and sustainable approach to wealth building. Soledad recounts her experience of paying off $23,000 of student loan debt in four months using a punishing internal dialogue fueled by shame, a mindset she later realized was harmful. She offers insights into how shame and rigid financial goals can disrupt self-trust and emphasizes the importance of self-compassion and community support in financial planning.

Key lessons from this episode include rejecting shame as a motivator, practicing self-discipline with self-love, and leaning on community for encouragement. Soledad concludes by inviting listeners to build wealth with patience, joy, and self-care.

00:00 Introduction to Wealth Para Todos

01:04 A Scary Time in My Financial Journey

01:39 The Impact of Shame-Based Financial Approaches 04:09 The Rigid Debt Payoff Plan

08:00 The Consequences of Extreme Frugality

14:34 Shifting to a Compassionate Financial Approach

16:34 Key Lessons and Final Thoughts

In this episode of Wealth Para Todos, host Soledad, a queer Mexican American money and self-care coach, dives into the common limiting beliefs many people, especially from marginalized communities, hold about money.

Soledad shares personal stories and insights on how beliefs like 'some people are born with money,' 'avoid credit cards,' and 'trading time for money is the only way to earn' have shaped her financial journey. They emphasizes the importance of shifting these mindsets to build financial security and offers actionable steps for listeners to reframe their beliefs and enhance their financial literacy. Soledad also touches on the value of interdependence, the downsides of extreme frugality, and the misconceptions around home ownership.

Tune in to learn how to start shifting your mindset to achieve financial freedom without compromising your wellness.

00:00 Welcome to Wealth Para Todos

00:29 Common Limiting Beliefs About Money

00:55 Beliefs Before 2019

01:55 Born with Money vs. Creating Financial Security

04:05 Fear of Credit Cards and Debt

06:17 Trading Time for Money

07:56 Independence and Financial Reliance

09:31 Homeownership and Financial Security

11:28 Keeping Expenses Low vs. Wellness

13:50 Money is Meant to be Spent

15:05 Changing Money Beliefs

18:56 Conclusion and Next Steps

In this episode, Soledad reflects on their journey from believing that saving $30,000 was impossible to now having $80,000 in savings, purchasing a million-dollar home with a significant down payment, and running a successful money and self-care business. The episode dives into the motivations and mission behind the Wealth Para Todos platform, emphasizing community support and self-care, and outlines what listeners can expect from the podcast moving forward.

List of personal finance books from POC authors.