Yo Quiero Dinero

Jannese Torres
  • 4.3 (6)
  • Business
  • Updated Weekly

"This podcast will leave you feeling inspired to take a more proactive approach to your savings, earnings, & expenses." - BuzzFeed | Yo Quiero Dinero is an award-winning personal finance podcast that empowers listeners on topics like entrepreneurship, investing, financial independence & money mindset. Hosted by Jannese Torres, Latina money expert, award-winning author and serial entrepreneur. Known as “the swaggiest personal finance podcast", each week we drop episodes brimming with POC-friendly personal finance knowledge, served with sazón! Tune in for all the money lessons you never learned. Visit us at YoQuieroDineroPodcast.com. Hosted on Acast. See acast.com/privacy for more information.

  1. 22 hrs ago

    The Real Cost of Cosmetic Surgery: What You Should Know Before Going Under the Knife

    Let's talk about something a lot of us have been quietly researching — cosmetic procedures. Whether you've gone down a TikTok rabbit hole on facelifts or you're seriously considering something, the money side of this decision matters just as much as the medical side. In this episode, I'm joined by Dr. Ruslan Zhuravsky — board-certified facial plastic surgeon and founder of Z Face Plastic Surgery in Aventura, Florida — to break down the real economics of cosmetic surgery. We're talking about why bargain procedures can end up costing you way more in the long run, which procedures are actually worth the investment, and what to look for (and run from) when choosing a provider. This is the informed, empowered conversation you need before spending a single dollar on your face. Let's get into it. WE GET INTO: 00:00 — Introduction: Why plastic surgery belongs on a personal finance podcast 01:22 — Dr. Z's background: from art and architecture to facial surgery 04:03 — Why he chose a boutique practice over high-volume centers 05:23 — Building a practice from scratch: loans, word-of-mouth, and the grind 08:07 — The economics of cosmetic procedures: price vs. value 09:34 — The danger of over-filling: why "cheaper" treatments compound costs 11:05 — Real patient story: years of med spa treatments vs. one surgical solution 13:04 — How to evaluate if a quoted price is fair 15:11 — Going abroad for surgery: real talk on risks and rewards 17:31 — The three pillars of aging: laxity, volume loss, and skin changes 20:48 — Where to invest first if you have a limited aesthetic budget 22:44 — Botox 101: cost, longevity, and what can go wrong 24:46 — Med spas vs. surgical practices: what's actually different 26:52 — Skincare myths and social media trends to be skeptical about 28:22 — Retinol: is it worth the hype? 29:45 — Best long-term value procedures vs. worst investments 36:27 — Facelifts and Ozempic face: what GLP-1 users need to know 36:55 — The honest surgeon test: red flags to watch for in consultations 39:05 — What a good consultation actually looks like 41:13 — When the right answer is NOT to have surgery 43:11 — How to verify credentials and board certifications 46:18 — Dr. Z's money lesson: let your money work for you KEY TAKEAWAYS: – Cheap treatments aren't just less effective — they can make future surgery harder and more expensive – The three pillars of aging are laxity, volume loss, and skin changes — each requires a different solution – Board certification is the bare minimum, not the finish line — do your research beyond that – Rhinoplasty is often the best long-term investment because a quality one is one and done – Neck liposuction and buccal fat removal are frequently bad investments — most patients don't actually need them – Good consultations take time — if a doctor is rushing you out, that's your sign – About 30% of patients Dr. Z sees are told not to have surgery at all — an ethical surgeon will tell you the truth – Skincare basics (sunscreen, moisturizer, microneedling) are the highest ROI foundation before any procedure – Always get multiple consultations — even Dr. Z encourages his own patients to shop around CONNECT WITH DR. Z InstagramWebsite TAKE THE NEXT STEP: Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with Jannese This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    52 min

  2. Jun 29

    From Corporate Finance to 6-Figure Creator: Meghan Lim's Blueprint for Multiple Income Streams

    Today's episode is basically my love language: multiple income streams. I'm joined by Meghan Lim, AKA Meghan Makes Money, who went from a $78K corporate finance job to building a six-figure creator business with 160K+ followers, all in about two and a half years. We're talking side hustles, affiliate marketing, brand deals, pricing your worth, and why "selling" isn't a dirty word. WE GET INTO:  00:00 Intro: Meghan's journey from corporate finance to content creator 00:49 Meghan's origin story: childhood side hustles and the layoff that changed everything 03:48 Money messages from a Filipina immigrant household 05:38 Switching her major to finance (and why it didn't teach her personal finance) 07:30 Stepping into the creator economy as a Gen Z creator 11:47 The viral paycheck breakdown video that changed everything 13:07 Side hustles worth your time (and which ones are a scam) 17:05 How Meghan actually makes money now: affiliates, brand deals, coaching 18:45 The disconnect between followers and revenue 21:45 What to have in place before pitching brands 25:49 Favorite underrated monetization method: affiliate marketing 29:33 How content creation has changed Meghan's life (six figures, comped trips, free LASIK) 32:35 The Cartier ring story: rewarding yourself and abundance mindset 36:48 Navigating the pressure to choose stability over risk 38:18 Redefining success after leaving corporate 39:55 Biggest financial mistake (and the lesson behind it) 42:14 The #1 skill every creator needs to learn 42:46 What's next for Meghan Makes Money 44:20 Final advice: you don't need permission to make money KEY TAKEAWAYS:  Multiple income streams beat relying on one (especially brand deals, which can be inconsistent)You don't need to be "the expert" or already have results to start sharing your journeyDocumenting > performing — people want to follow along, not just see the finished productReframe selling as serving: your product or service genuinely helps someoneIt takes 14-17 touchpoints before someone takes action, so don't be afraid to repeat yourselfAffiliate marketing in the finance niche is one of the most underrated income streamsReward yourself for milestones — it's not just about ROI, it's about breaking scarcity mindsetSurround yourself with people doing what you want to do; proximity changes your mindset CONNECT WITH MEGHAN: Meghan's Instagram: @meghanmakesmoneyMeghan's Website: https://www.skool.com/money-makers-circle-8363 TAKE THE NEXT STEP: Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with Jannese This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    50 min

  3. Jun 22

    I'm So Sick of What Latino Parents Are Doing With Money (And We Need to Talk About It)

    The Guardian recently featured my plan for how I'm raising my toddler to become a millionaire and it got me fired up about something I've been sitting on for a while. Today I'm calling out the financial patterns that Latino parents normalize that are actually keeping our community from building real wealth. I'm not talking about our elders who came here with nothing and survived on grit. I'm talking to us — the millennial parents with smartphones, podcasts, and investing apps at our fingertips — who still aren't doing enough differently. We'll talk about why spending $20K on a quince but skipping the 529 is a problem, why your child is NOT your retirement plan, and the five mindset shifts that need to happen so we can stop breaking generational cycles and start building generational wealth. This is a tough love episode, mi gente, but I think you're ready for it. WE GET INTO: 00:24 The Guardian feature + Jannese's toddler wealth plan 02:53 Who this episode IS (and isn't) for 04:18 Problem #1: Spending on appearances, skipping financial foundations 06:03 Problem #2: Treating your children like a retirement plan 08:01 Problem #3: Preaching education without a financial plan for it 10:30 College vs. retirement — why you must always choose retirement 14:07 Problem #4: Shaming kids for wanting more 16:12 Problem #5: Dismissing financial tools as "too much" for kids 18:30 When it's not that there's no money — it's that there's no mission 19:20 Action steps for Latino parents (talk about money earlier, stop saying you don't know) 20:32 Action step: Open the accounts — 529, brokerage, Roth IRA 20:44 Action step: Redirect family gifts to the college fund 21:50 Action step: Plan for your own retirement + money tools resource 23:45 The $4 trillion spending power problem — and what we need to build instead 24:49 The vision: celebrate AND invest 26:44 Closing + how to get The Guardian article 27:23 Outro — Stay Poderosa KEY TAKEAWAYS: Spending on appearances while skipping financial foundations isn't tradition — it's a decisionYour child is not your 401k, your emergency fund, or your exit strategyPreaching education without a financial plan for it is setting your kids up to drown in student loan debtIf you have to choose between saving for college or retirement, choose retirement — every single timeWanting more does not make you ungrateful. Sometimes it's how you honor where you came fromSilence is the most expensive thing you can give your children when it comes to moneyThe most generous gift you can give your child is a financially free parent Read: A finance podcaster plans to make her daughter a millionaire by 18 – here’s how  TAKE THE NEXT STEP: Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with Jannese This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    31 min

  4. Jun 15

    Why Most People Will Never Build Wealth on a $65K Salary And What High Earners Understand About Money

    Earlier this year, I posted a question on Instagram asking Latinas making over $200K what they do — and the answers revealed something that most people in personal finance aren't willing to say out loud: you cannot build wealth on a median income when the cost of just existing has gone through the roof. In this solo episode, I'm breaking down why traditional money advice keeps failing us, what high earners actually have in common, and why your problem isn't discipline — it's your strategy. WE GET INTO: 00:00 Introduction to Financial Realities 02:42 Understanding Income Limitations 05:58 The Path to High Earnings 08:47 The Disconnect in Personal Finance 11:53 The Rise of Latina Entrepreneurs 14:48 Reevaluating Job Security and Income 17:55 Strategies for Financial Freedom KEY TAKEAWAYS: Most people cannot build financial freedom on $65K/year — not because they're doing something wrong, but because the math literally doesn't work when cost of living is this high.High earners are either in high-level leadership or ownership. That's it.Jobs are tools, not automatic wealth-building vehicles. Your employer controls your ceiling.A paycheck is predictable. Entrepreneurship is scalable.The only difference between a job and a business is the middleman selling your skill set.Your income problem won't be solved by better budgeting — it requires a strategy shift. TAKE THE NEXT STEP: Download the FREE Dinero GuideRead my book, Financially Lit!Book a Call with Jannese This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    24 min

  5. Jun 8

    From Compton to PhD: Breaking Generational Cycles with Dr. Xochilt Alamillo

    What does it actually look like to not become a statistic? Dr. Xochilt Alamillo — Chicana therapist, PhD, business coach, podcast host, and retreat creator — is the living proof. She grew up in Compton, moved to Colorado as a teenager and experienced full-on culture shock, fell into the wrong crowd, and ended up with a criminal record by 20. Fast forward through community college, side hustles, three kids, and a whole lot of tunnel vision: she became the Latina therapist she couldn't find when she needed one most. In this episode, Dr. Xochilt and Jannese get into ALL of it — bicultural stress, emotional neglect in Latino families, what healing actually looks like (spoiler: it's not the cute Instagram version), survivor guilt as a first-gen cycle breaker, and how she built multiple income streams as a therapist while everyone in her field was taking a so-called vow of poverty. WE GET INTO:  00:00 – Welcome and Intro: Meet Dr. Xochilt Alamillo 02:02 – Growing Up in Compton: Not Knowing What You Don't Know 04:22 – Culture Shock, the Wrong Crowd, and a Criminal Record 08:25 – Becoming the Latina Therapist She Couldn't Find 10:24 – First-Gen Resilience and Why It Can Also Hurt You 11:00 – The Biggest Mental Health Struggles Latinas Carry in Silence 12:31 – When "Being Strong" Becomes Self-Abandonment 14:05 – Bicultural Stress: Not Latino Enough, Not American Enough 19:52 – Emotional Neglect: The Harm We Normalize in Latino Families 24:53 – What Healing Actually Looks Like (It's a Process, Not a Glow-Up) 29:04 – Survivor Guilt and the Weight of Being the Enlightened One 34:37 – Navigating Family Expectations vs. Your Ideal Life 36:45 – Why Finding Your People Is Non-Negotiable 37:45 – Debunking Therapy Stigma in the Latino Community 43:32 – Dr. Xochilt's Entrepreneurial Journey as a Therapist 47:46 – Hosting Latina-Only Healing Retreats (Including One in Oaxaca!) 51:22 – The First Step Out of Survival Mode KEY TAKEWAYS: Being rejected by both your culture and mainstream America has serious mental health consequences, and you didn't make it up.Anxiety in Latinas isn't just personal worry. It's your whole family's future sitting on your chest, and the weight is not yours alone to carry.Emotional neglect is one of the most normalized (and damaging) patterns in Latino households. Naming it isn't talking trash on your cultura but the first step to changing it.Healing is not a cute Instagram journey. It hurts. But the goal isn't a pain-free life, it's being equipped to handle whatever comes your way.Survivor guilt is real when you're the first to "make it out." Surrounding yourself with people who get it is how you stay grounded.Therapy doesn't have to look like a couch and a notepad. It's a conversation with someone who has no skin in the game.When therapy isn't accessible, lean into what your cultura already does well: cafecito with amigas, curanderismo, time outside — do more of it with intention.Therapists: you do not have to take a vow of poverty. Retreats, groups, trainings, and coaching are all legitimate income streams.Finding your people — online or off — is one of the most radical acts of self-preservation a first-gen woman can make. CONNECT WITH DR. XOCHILT WebsiteInstagram Podcast: The Chicana Therapist Podcast (all major platforms) TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemail This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    58 min

  6. Jun 1

    The Child-Free Money Playbook: Estate Planning, Legacy, and Financial Freedom

    What does your financial plan look like when the traditional script doesn't apply to you? In this episode, I'm sitting down with Bri Conn, CERTIFIED FINANCIAL PLANNER® and co-host of the Child-Free Life by Design podcast, to break down everything child-free people need to know about building wealth, planning for the future, and defining legacy on their own terms. If you've ever been asked "but who's going to take care of you when you're old?" — this episode is for you. WE GET INTO: 0:00 – Welcome + Jannese's personal journey with child-free financial planning 0:57 – Introducing Bri Conn: CFP® serving the child-free community 1:11 – How Bri accidentally fell into child-free financial planning 4:04 – Who is actually seeking child-free financial planning (hint: it's not who you think) 5:14 – What traditional financial advice gets wrong for child-free people 7:09 – Redefining legacy when children aren't part of the equation 9:06 – Navigating cultural expectations around family obligation and caregiving 11:30 – Estate planning without default heirs — and why Child-Free Trust exists 13:56 – Busting the myth: do child-free people automatically have more money? 17:02 – Long-term care planning: who's actually going to take care of you? 20:42 – Life insurance: do child-free folks even need it? 22:29 – Building your "bench" of decision-makers (healthcare proxy + POA) 24:34 – How to find a financial planner who actually gets it 26:18 – What happens if you die or become incapacitated without an estate plan 29:05 – FIRE vs. FILE: Financial Independence Live Early 34:41 – Myth-busting: the worst financial advice child-free people always get 36:44 – The one traditional money milestone you have permission to skip 40:41 – What wealth actually means when you're child-free 43:01 – Permission to want freedom and happiness — fully and unapologetically KEY TAKEAWAYS:  The single most important question child-free people need to answer: Do you care how much money you leave behind when you die? Your entire financial plan changes based on your answer.Legacy doesn't require children. It can look like a garden that inspires strangers, a community you've poured into, or friendships you've built with intention.You are NOT the default family ATM just because you don't have kids.Long-term care currently costs ~$129,000/year and is rising 5% annually. Women average 3.7 years of care. This is not a plan-later situation.If you don't have estate documents in place, the state decides who makes decisions for you — and that could be someone you're estranged from or have never met.FIRE = grind now, quit later. FILE (Financial Independence Live Early) = redesign work now so you can enjoy life soonerHomeownership is not a mandatory financial milestone, Renting can absolutely be a wealth-building strategyBuild your "bench" early: medical professionals, estate planning decision-makers, and financial advisors who actually understand child-free planning.If your financial planner looks at you like you have three heads when you say you're not having kids — find a new one. CONNECT WITH BRI: InstagramWebsite TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemail This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    51 min

  7. May 25

    How Chef Mia Castro Built a Career from Her Borinquen Culture

    She beat Bobby Flay with her Abuela's Arroz con Pollo. She trained under Wolfgang Puck, Thomas Keller, and José Andrés. She was a Hell's Kitchen finalist. And then she walked away from all of it to build a career entirely on her own terms. Chef Mia Castro is a Puerto Rican chef, cookbook author, food influencer, and TV personality, and her debut cookbook, Cocina Puerto Rico: Recipes from My Abuela's Kitchen to Yours, is already making waves. We're sitting down to talk about her full journey: from her Abuela's kitchen in San Juan to elite restaurant kitchens across Vegas, Miami, and New York, to the 6-year road it took to get this book published. We're talking about first-gen pressure, being the only woman in the room, hiding your identity to fit in, COVID FaceTime calls that accidentally created a cookbook, building a personal brand as a chef, what success actually looks like when you stop chasing the dream someone else gave you — and the dish that beat Bobby Flay.This one hit close to home for me. You know I started my whole digital career as a Puerto Rican food blogger. Having Chef Mia in this conversation was a full circle moment. WE GET INTO: 00:01 — Intro + Chef Mia Castro 00:50 — What makes Puerto Rican cuisine one of a kind 01:57 — The responsibility of writing Cocina Puerto Rico 03:32 — What Abuela taught her that had nothing to do with food 04:26 — Growing up in la cocina (homework could wait) 07:21 — First-gen pressure and choosing passion over the "safe" path 08:06 — Starting as a prep cook: the real culinary hustle 10:27 — Being the only woman in elite kitchens 13:07 — Feeling pressure to hide her Boricua identity in professional spaces 14:51 — Reclaiming Puerto Rican food — all the way to fine dining 16:25 — Leaving restaurants and carving her own lane 18:46 — How COVID + FaceTime with Abuela created Cocina Puerto Rico 22:16 — Beating Bobby Flay with Abuela's Arroz con Pollo 26:30 — Modernizing recipes for the diaspora without losing the soul 29:02 — The 6-year battle to get a Puerto Rican cookbook published 32:39 — The recipe that made her emotional: las cremitas 34:42 — Shooting the entire book at Abuela's house in PR 36:27 — Personal branding advice: treat it like a portfolio 37:54 — There is no luck. There is only preparation. 40:16 — Behind the scenes of Hell's Kitchen + Chopped 43:27 — Success redefined: from Michelin star dreams to time freedom 47:49 — The legacy she hopes Cocina Puerto Rico leaves 49:06 — The first dish to make from the book (and why it beat Bobby Flay) 52:37 — Where to find Chef Mia 53:00 — Outro KEY TAKEAWAYS Staying humble and open to learning, at any age, is what keeps you from going stale. Abuela is still asking Mia how to cook things at 90. That's the growth mindset right there.You don't have to hide where you come from to belong in elite spaces. Mia spent years feeling like she had to stifle the Puerto Rican to fit in — and her biggest wins came when she stopped doing that.There is no such thing as luck. There is opportunity combined with preparation. Build the portfolio, show up consistently, and be ready when the call comes.Pivoting is not failing. Walking away from restaurants was not giving up. It was choosing to build a version of success that actually fit her life.Time is the real flex. Making money is cool. Having the freedom to spend it the way you want? That's the whole point.Getting a book published as a Latina author is NOT a straightforward process. It took Mia 6 years, a writing coach, months to find an agent, and two more years from contract to shelf. Know the process before you romanticize it.Consistency is the brand strategy. Not viral moments. Not follower counts. Showing up so that when the opportunity finds you, you're already prepared. CONNECT WITH MIA: Instagram Website Buy Cocina Puerto Rico TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemail This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    57 min

  8. May 18

    She Quit Corporate, Moved Her Family to Spain & Bought a House in Cash for Under $70K

    If you've ever fantasized about packing up your life, leaving the US, and actually doing the damn thing — this episode is your sign. I'm sitting down with Alicia Sanchez, founder of Felicita & Faustina studio shop, marketing expert with 20+ years in the game (American Express, ESPN, Klaviyo — the girl's got credentials), and now a full-time entrepreneur living her best life in Southern Spain with her wife and six-year-old daughter. She bought a house. In cash. For under $70K. And she wants you to know it's more doable than you think. We get into the real — not the Instagram-filtered version. The financial planning, the digital nomad visa process, what attorneys actually cost (hint: not $10K), the tax reality, and why the thing that changed her life the most wasn't the house or the visa. It was watching her daughter have a childhood. This one's going to make you ask yourself: what's really keeping you? WE GET INTO:  00:38 — Intro: Alicia's back + why this episode exists 03:07 — Who was Alicia before all of this? 05:23 — What her Dominican grandmothers taught her about money 09:03 — Why she said "hell no" to corporate 10:35 — Build your business before you quit 11:13 — Why corporate stability is a lie 15:05 — Why Spain (she lived there before) 17:11 — The decision: February 2025 18:23 — The timeline: pods, visa, house 20:41 — Financial planning behind the move 22:06 — Buying a house in cash under $70K 24:50 — Digital nomad visa explained 27:07 — Biggest misconceptions about Spain 30:08 — What attorneys actually cost (not $10K) 33:07 — Bringing family on your visa 34:25 — Documentation you need to qualify 36:22 — The tax reality 40:50 — How their daughter's life transformed 42:33 — What's really keeping you? KEY TAKEAWAYS: Don't wait to quit before you start building — start now, quietly, while you're still employedCorporate "stability" is a mask. You can be laid off tomorrow. Build income outside your W-2The digital nomad visa: apply in Spain (not the US) and get 3 years instead of 1You do NOT need to spend $10K to get your visa. The government fee is set. Be an educated consumerAs a Latino/a, after 2 years on the digital nomad visa, you can switch to permanent residency through your lineageFor the digital nomad visa, max 20% of your income can come from Spain — the rest must come from outside the countryClean, consistent bookkeeping and invoices are your best friend when applyingA 5-bedroom home in Southern Spain — bought in cash, under $70K. Eliminating a mortgage changes everythingSpain does a quarterly tax system. Know this before you goThe lifestyle shift is real. No active shooter drills. No metal detectors. Their daughter just went on a museum field tripYou are one decision away from a completely different life EPISODE RESOURCES: Episode 269: How To Be A Money Making Mama | Alicia Sanchez Unlock your Puerto Rican Citizenship Relocation & Immigration specialists in Andalucía – tell them YQD sent you! CONNECT WITH ALICIA: InstagramYouTube   TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemail This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    53 min
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About

"This podcast will leave you feeling inspired to take a more proactive approach to your savings, earnings, & expenses." - BuzzFeed | Yo Quiero Dinero is an award-winning personal finance podcast that empowers listeners on topics like entrepreneurship, investing, financial independence & money mindset. Hosted by Jannese Torres, Latina money expert, award-winning author and serial entrepreneur. Known as “the swaggiest personal finance podcast", each week we drop episodes brimming with POC-friendly personal finance knowledge, served with sazón! Tune in for all the money lessons you never learned. Visit us at YoQuieroDineroPodcast.com. Hosted on Acast. See acast.com/privacy for more information.

Information

  • Creator
    Jannese Torres
  • Years Active
    2019 - 2026
  • Episodes
    391
  • Rating
    Explicit
  • Copyright
    © Delish Dlites LLC
  • Show Website
    Yo Quiero Dinero

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