In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, guides listeners through the transition from Stage 7 to Stage 8 of financial security.

Soledad explains the importance of building a three to six-month emergency fund, eliminating high-interest debt, and increasing retirement contributions to 15%. The episode addresses common feelings of overwhelm and emphasizes the necessity of patience and nervous system regulation.

Key strategies include engaging in D.I.V.E.R.S.E. self-care, developing a sustainable financial mindset, and continuously working on increasing income. Soledad also discusses the emotional labor involved in wealth building and provides encouragement for maintaining wellness throughout the financial journey.

Tune in to learn actionable steps and mindset shifts necessary for advancing your financial security.

00:00 Introduction to Wealth Para Todos

01:06 Understanding Stage 8 of Financial Security

02:12 Celebrating Stage 7 Achievements

04:23 The Importance of D.I.V.E.R.S.E. Self-Care

06:56 Navigating Emotional and Financial Challenges

09:46 Building Financial Security with Compassion

12:45 Practical Steps for Wealth Building

16:38 Conclusion and Next Steps

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Join host Rita-Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, as they guide BIPOC, women, and LGBTQ+ listeners through stage seven of financial security.

This episode addresses the emotional complexities of reaching financial milestones, the strategic trade-offs between debt payoff and investing, and the importance of sustainable habits.

Soledad emphasizes the need for D.I.V.E.R.S.E. self-care, planning, and compassionate reflection to maintain and grow financial stability.

Tune in to learn how to balance joy and financial goals, and how to navigate setbacks with grace.

00:00 Introduction and Host's Mission

00:37 Understanding Stage Seven of Financial Security

02:07 Emotional Challenges at Stage Seven

07:25 Strategic Choices and Trade-offs

14:07 Systems, Habits, and Sustainability

20:10 Conclusion and Next Steps

In this episode of Wealth Para Todos, host Rita-Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, guides viewers through the emotional and strategic aspects of paying off debt.

Aimed at helping BIPOC, women, and LGBTQ+ communities, the episode emphasizes the importance of emotional readiness and self-trust in tackling debt. It provides actionable steps for prioritizing high-interest debt, maintaining financial stability, and celebrating small wins along the debt payoff journey.

Key takeaways include reframing debt, using the Avalanche method for payments, ensuring safety nets remain untouched, and integrating joy into the financial planning process.

00:00 Introduction to Wealth Para Todos  
01:03 Understanding Emotional Readiness for Debt Payoff  
02:00 Reframing Your Relationship with Debt  
06:31 Strategies for Paying Off High-Interest Debt  
08:08 Maintaining Financial Stability While Paying Off Debt  
10:41 Tracking Progress and Celebrating Wins  
14:30 Final Thoughts and Key Takeaways  

Debt Pay Off Coloring Sheet

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In this episode, Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, explains the importance of sinking funds for Black, Indigenous, People of Color (BIPOC), women, and LGBTQ+ communities aiming for early retirement without compromising wellness.

The host announces a free webinar on May 13th and then dives into the concept of sinking funds, explaining their purpose, how they differ from emergency funds, and the steps to set them up.

Listeners will learn about the emotional benefits of sinking funds, prioritizing joy and long-term planning, and the practicalities of managing multiple funds. The episode covers strategies for staying consistent, avoiding guilt, and making financial decisions that support both personal well-being and community care.

Practical tips include using high-yield savings accounts, calculating contributions, and adjusting plans as needed. The episode concludes with encouraging listeners to take proactive steps towards financial security while ensuring self-care and joy.

00:00 Introduction and Host Welcome

00:21 Upcoming Free Webinar Announcement

00:41 Understanding Sinking Funds

01:23 Personal Experiences with Sinking Funds

02:22 Stages of Financial Security

02:51 Defining Sinking Funds

03:25 Difference Between Sinking Funds and Emergency Funds

09:03 Setting Up Sinking Funds

11:28 Managing and Tracking Sinking Funds

18:22 Using Sinking Funds Without Guilt

26:51 Final Thoughts and Next Steps

28:35 Disclaimer and Closing Remarks

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

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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

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