Latina Financial Education, Investing & Wealth Building: MoneyChisme

Violeta Sandoval
  • 5.0 (4)
  • Entrepreneurship
  • Updated Weekly

Welcome to Money Chisme, the go-to show for Latinas ready to take control of their financial future! Whether you're learning about investing for beginners, building generational wealth, or launching a side hustle, this podcast is designed to empower our comunidad with the tools and strategies to thrive. I break down the essentials of personal finance, real estate investing, and entrepreneurship in the Latina community, helping you grow your money while staying connected to your roots. My mission is to close the racial wealth gap by sharing relatable success stories, practical advice, and wealth-building tips tailored for Latinas. Whether you're dreaming of financial independence or growing your business, we’ve got you covered. Tune in, level up, and let’s build the future we deserve—together!

  1. 3d ago

    136. Stop Taking Money Advice From People Who Aren't Building Wealth

    Share Your Thoughts! If you've been working hard on your financial goals but still feel like you're doing it alone, it may be time to take a closer look at the people you're surrounding yourself with. In this solo episode, Violeta explores how your relationships, friendships, and community can have a powerful impact on your financial journey. She explains why building intentional friendships with people who share your goals, values, and mindset can help you grow faster, stay motivated, and make decisions with greater confidence. Drawing from her own experiences—from hearing well-meaning but fear-driven advice from family members to intentionally seeking out like-minded Latinas and entrepreneurs—Violeta shares how expanding her circle expanded her vision. She discusses the difference between networking and building genuine relationships, why not every friend has to fill the same role, and how finding the right community can be the catalyst for your next financial breakthrough. Throughout the episode, she encourages listeners to audit their current circle, seek out communities that align with their goals, and remember that sometimes the biggest shift in your finances comes from changing your environment—not just your budget. We cover: Why your financial growth is influenced by the people you spend the most time withHow friends and family can unintentionally keep you in survival modeThe difference between networking and building meaningful friendshipsWhy expanding your circle can expand your financial mindsetHow financial anxiety from loved ones can impact your decision-makingWhy it's okay to have different friend groups for different seasons and goalsHow finding like-minded people helped Violeta grow as an investor, entrepreneur, and content creatorThe importance of seeking communities that encourage growth instead of fearHow intentional friendships can provide accountability, motivation, and valuable resourcesWhy your next financial breakthrough may come from being in a different room, not creating a better budgetQuestions to ask yourself when auditing your current circle and support systemHow to start building relationships with people who align with the future you're creatingThis episode is a reminder that you don't have to build wealth alone. The right community won't just cheer you on—they'll challenge you, inspire you, and help you see opportunities you may never have discovered on your own. Sometimes the fastest way to level up your finances is to surround yourself with people who already believe in the life you're trying to build. Mentioned in this episode: Free Latinas in Real Estate CommunityReal Estate Chisme PodcastBranding episode featuring Gabby Support the show Sign Up for the MoneyChisme & Raíces Newsletter Resources: Start Investing with M1Finance or Fidelity Finance Books to Start Your Journey Open a High Yields Account Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    17 min

  2. Jun 30

    135. Break Up With Your Financial Tóxicos: Money Habits That Are Keeping You Broke

    Share Your Thoughts! If you've been wondering why your financial goals always seem just out of reach, it might be time to identify the financial tóxico that's quietly holding you back. In this solo episode, Violeta introduces the concept of the "financial tóxico"—the habits, debts, subscriptions, mindsets, or even careers that drain your money, energy, and progress without you fully realizing it. Through personal stories and practical examples, she explains how identifying these hidden obstacles can help you make financial decisions that align with your goals instead of keeping you stuck. Drawing from her own experience of leaving the military, selling underperforming rental properties, letting go of unnecessary expenses, and redefining what wealth truly means, Violeta shares how removing financial tóxicos allowed her to build a life centered around freedom, purpose, and intentional living. She also discusses why the "best" financial strategy isn't always the one you'll stick with—and why your personal journey matters more than following someone else's formula. Throughout the episode, she encourages listeners to perform a financial audit, recognize emotional money drains, celebrate small wins, and define success on their own terms instead of chasing society's version of wealth. We cover: • What a financial tóxico is and how to identify the hidden money drains in your life • Why avoiding your finances can become one of your biggest financial obstacles • How conducting a financial audit can uncover subscriptions and expenses you forgot about • Why emotional stress—not just interest rates—should influence how you tackle debt • The importance of building momentum through small financial wins • Why keeping an investment that no longer serves your goals can become a financial tóxico • How Violeta decided to sell rental properties that were costing her money instead of building wealth • Why leaving a high-paying job was the right financial decision for her long-term goals • How to create an exit strategy if your career is negatively impacting your well-being • Why redefining wealth can transform your relationship with money • How consumerism and social media can create unrealistic expectations about financial success • Why owning your time can be a greater measure of wealth than owning luxury items • The importance of making financial decisions based on your values instead of other people's opinions • Why there is no one-size-fits-all financial strategy—only the one that helps you stay consistent This episode is a reminder that financial freedom isn't just about earning more money—it's about removing the things that keep you from reaching your goals. Whether it's debt, an expensive lifestyle, a limiting mindset, or a career that no longer serves you, letting go of your financial tóxicos can create space for the life and future you truly want to build. Mentioned in this episode: • Episode with Justin from The Price of Avocado Toast on paying off debt • Financial Audit episode walkthrough Support the show Sign Up for the MoneyChisme & Raíces Newsletter Resources: Start Investing with M1Finance or Fidelity Finance Books to Start Your Journey Open a High Yields Account Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    28 min

  3. Jun 23

    134. Personal Finance for Beginners: 5 Essential Money Habits to Build Wealth Faster

    Share Your Thoughts! If you've ever felt overwhelmed by your finances and wondered where to even begin, this episode will help you build a strong foundation for long-term financial success. In this solo episode, Violeta breaks down five essential money skills that every beginner should develop in order to gain control of their finances, reduce financial stress, and start building wealth. Whether you're earning a stable income but still feel like your money disappears every month, or you're ready to take the first steps toward financial freedom, this episode provides a practical roadmap to get started. Drawing from her own journey as a first-generation Latina investor, Violeta shares the foundational habits that helped her go from financial confusion to confidently managing money, investing, and building wealth through real estate. She explains why financial success isn't about being perfect with money—it's about developing the right skills and consistently taking action. Throughout the episode, she discusses how to build awareness around your spending, create a realistic spending plan, establish an emergency fund, understand debt and credit, and make financial decisions based on your goals rather than guilt or fear. We cover: • Why money management is one of the most important wealth-building skills you can develop • How tracking your spending creates awareness and helps you take control of your finances • The benefits of using budgeting and expense-tracking apps • Why a spending plan feels more empowering than a traditional budget • How to give every dollar a purpose and align spending with your goals • The key steps to creating a realistic spending plan that works for your lifestyle • Why emergency funds provide financial stability and peace of mind • How much you may want to save for unexpected expenses and emergencies • Understanding debt and credit without fear or shame • The basics of how credit scores and credit cards work • How strategic use of debt can support wealth-building goals • Why learning the rules of money helps you make more confident financial decisions • The importance of making money decisions based on goals instead of guilt • How financial confidence grows through education, practice, and consistency • Why building wealth starts with mastering the fundamentals This episode is a reminder that you don't need to have everything figured out to improve your finances. Building wealth starts with learning the basics, creating simple habits, and developing the confidence to manage your money intentionally. The sooner you begin building these foundational skills, the stronger your financial future can become. Mentioned in this episode: • Monarch Money Budgeting App • NerdWallet Budgeting Tools • Annual Credit Report (free yearly credit reports) • Episode with Justin from Price of Avocado Toast on paying off debt • Previous episode on financial anxiety and financial trauma • Episodes on budgeting, spending plans, and money mindset       - How to Manage Your Money: 3 Budgeting Methods That Actually Work       - Financial Reset for 2026: Audit Your Money, Set Smarter Goals Support the show Sign Up for the MoneyChisme & Raíces Newsletter Resources: Start Investing with M1Finance or Fidelity Finance Books to Start Your Journey Open a High Yields Account Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    26 min

  4. Jun 16

    133. Are You Feeling Fear or Intuition? The Money Mindset Shift Every Investor Needs

    Share Your Thoughts! If you’ve ever wondered whether that uneasy feeling about a financial decision is a warning sign or simply fear holding you back, this episode will help you understand the difference. In this solo episode, Violeta shares a powerful clip from her Real Estate Chisme podcast featuring Heather Enciso, a real estate investor and licensed clinical social worker who specializes in helping women navigate financial anxiety and wealth-building. Together, they explore how fear, financial trauma, and scarcity mindsets can impact the decisions we make around investing, entrepreneurship, and building long-term wealth. Violeta reflects on her own journey as a first-generation Latina investor and discusses how childhood experiences, financial insecurity, and money-related anxiety can make it difficult to take action—even when we know what we want to achieve. She explains how learning to distinguish fear from intuition has helped her make better financial decisions and avoid both paralysis and impulsive choices. Throughout the episode, she shares practical strategies for recognizing financial anxiety, understanding your personal risk tolerance, and building the confidence needed to move forward with wealth-building goals. She also discusses the role of therapy, community, education, and exposure in overcoming financial trauma and developing a healthier relationship with money. We cover: • How to tell the difference between fear and intuition when making financial decisions • Why financial anxiety and trauma often show up for first-generation Latinas • The connection between scarcity mindset and wealth-building challenges • Common fear responses that keep people from investing or taking action • How anxiety can lead to financial avoidance and analysis paralysis • Why intuition often feels grounded while fear feels urgent and catastrophic • The importance of addressing financial trauma before it holds you back • How therapy and self-awareness can improve financial decision-making • Understanding your personal risk tolerance and financial comfort zone • The role of community, mentorship, and support in building confidence • Practical ways to move from research mode into action • The framework of education, exposure, and execution for overcoming financial fears This episode is a reminder that building wealth is not just about learning financial strategies—it’s also about understanding yourself. When you learn to recognize the difference between fear and intuition, you can make more confident decisions and take meaningful steps toward your financial goals. Mentioned in this episode: • Free Latinas in Real Estate Community • Overcoming Financial Trauma by Rakim Sabree • Episode featuring Rakim Sabree discussing financial trauma and mindset • Full episode with Heather Enciso on Real Estate Chisme Podcast Support the show Sign Up for the MoneyChisme & Raíces Newsletter Resources: Start Investing with M1Finance or Fidelity Finance Books to Start Your Journey Open a High Yields Account Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    23 min

  5. Jun 2

    132. Stop Waiting for the Perfect Time to Invest & Build Wealth

    Share Your Thoughts! If you’ve ever felt stuck in “research mode” when it comes to investing, building wealth, or making big financial decisions, this episode is the reminder you need that you do not have to feel fully ready before you start. In this solo episode, Violeta breaks down how analysis paralysis and financial anxiety can keep first-generation Latinas from taking action — even when they’ve done all the research. She opens up about growing up around financial scarcity, the pressure of being the “responsible one,” and how fear of making mistakes can quietly delay wealth-building opportunities. Violeta shares the mindset shifts that helped her stop overthinking and start investing in both the stock market and real estate. She explains why imperfect action is not irresponsible, how to reduce risk without waiting for perfection, and the exact framework she uses to move forward even when she feels nervous or uncertain. She also walks through practical examples of how to get started with investing, real estate, and saving money without falling into endless researching, comparing, and  overcomplicating every decision. We cover: • Why first-generation Latinas often struggle with financial anxiety and perfectionism • The difference between being prepared and hiding behind preparation • How analysis paralysis keeps you stuck from building wealth • Why wealth-building requires calculated risk and imperfect action • The mindset shift that helps you move from fear into problem-solving • How to stop over-researching and start taking action • The “3 resource rule” to avoid getting stuck in learning mode • Beginner-friendly examples of starting with stock investing and real estate • Why confidence comes from experience, not endless preparation • The importance of community, mentorship, and support while building wealth • A simple 3-step framework to help you take your first wealth-building step This episode is your reminder that you are allowed to be a beginner. You do not need to know everything before you start building wealth — you just need to take the next small step. Mentioned in this episode: • Free Latinas in Real Estate community  • Episode with Stephanie Olano on financial anxiety and money trauma • Episode featuring Rakim and discussions around financial trauma and mindset Support the show Sign Up for the MoneyChisme & Raíces Newsletter Resources: Start Investing with M1Finance or Fidelity Finance Books to Start Your Journey Open a High Yields Account Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    30 min

  6. May 26

    131. How to Build Generational Wealth for Your Kids | 529 Plans, Real Estate & Trust Funds

    Share Your Thoughts! If you’ve ever wondered how to build real generational wealth for your children — beyond just saving money — this episode breaks down practical ways to create financial stability, opportunity, and long-term security for the next generation. In this solo episode, Violeta shares the exact strategies she’s using to build wealth for her daughter, from investing accounts and college funds to real estate investing, financial literacy, and estate planning. She opens up about growing up around financial struggle, why she’s determined to break those cycles, and how intentional wealth-building can create more options and freedom for future generations. She also explains beginner-friendly concepts like 529 plans, UTMA accounts, house hacking, rental properties, and trust funds — while emphasizing the importance of financial education and protecting the assets you build. We cover: • Building intentional generational wealth and breaking financial cycles • How first-generation experiences shape money mindset and financial anxiety • Beginner-friendly wealth-building tools like 529 plans, UTMA accounts, and house hacking • The role of financial literacy in preparing kids for long-term success • How real estate investing can create income, stability, and future opportunities • Combining college planning, investing, and estate planning to protect wealth • Why community, representation, and education matter for Latina investors • Creating systems that help preserve wealth for future generations This episode is a reminder that building wealth isn’t just about making more money — it’s about creating stability, expanding opportunities, protecting your assets, and giving the next generation a stronger financial foundation than the one you started with. Mentioned in this episode: • Free Latina real estate investing community  Real Estate Jefas Community • Fidelity UTMA https://fidelity.app.link/e/2jr9fB2eUWb • Episode 129 with Andrea from Building Gen Wealth and the Latina Investors https://www.podcast.moneychisme.com/2042300/episodes/19138418-129-the-3-best-ways-to-build-wealth-even-if-you-re-starting-from-scratch  Support the show Sign Up for the MoneyChisme & Raíces Newsletter Resources: Start Investing with M1Finance or Fidelity Finance Books to Start Your Journey Open a High Yields Account Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    23 min

  7. May 19

    130. Why More Latinas Need to Invest in Real Estate | Building Wealth & Affordable Housing

    Share Your Thoughts! If you’ve ever felt like real estate investing was out of reach — or struggled with the idea of investors contributing to the housing crisis — this episode offers a different perspective on how real estate can be used as a tool for both financial stability and community impact.  Violeta shares how she accidentally started investing through house hacking, how real estate helped her break out of financial struggle, and why she’s now focused on ethical investing and affordable housing. She also breaks down beginner-friendly strategies for buying your first property, reducing housing costs, creating additional income, and building generational wealth — even without a huge amount of money upfront.  We cover: • How Violeta got started in real estate through house hacking • Beginner-friendly ways to use real estate to reduce expenses and build income • FHA, VA, USDA, and low down payment loan options • Why duplexes, triplexes, and fourplexes can be powerful first investments • The financial benefits of rental income and tax strategies • How ethical landlords can help improve housing affordability • Why more Latinas need representation in real estate investing • Common fears around investing — and why they shouldn’t stop you • Creative financing options beyond traditional mortgages • The importance of community, networking, and financial education This episode is a reminder that real estate investing can be about more than profit — it can also be a pathway to stability, generational wealth, and positive change within our communities.  Mentioned in this episode: • How to Use Hard Money Loans • How to Pay Less Taxes • Free Latina real estate investing community  Support the show Sign Up for the MoneyChisme & Raíces Newsletter Resources: Start Investing with M1Finance or Fidelity Finance Books to Start Your Journey Open a High Yields Account Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    25 min

  8. May 12

    129. The 3 Best Ways to Build Wealth (Even If You’re Starting From Scratch)

    Share Your Thoughts! If you’ve been working, saving, and doing everything “right” with money but still feel stuck, this episode breaks down what might be missing. Violeta and Andrea Ramos discuss the three main ways to build wealth — the stock market, real estate, and entrepreneurship — and how to use them based on your current season of life. Andrea shares her journey from financial instability to building a six-figure business and investment portfolio, while Violeta shares how she got started in real estate through house hacking and grew from there. They highlight why the stock market is often the easiest place to start, how to approach investing without a 401(k), and how each wealth strategy can eventually support the next. We cover: • The three core wealth-building vehicles and how they differ • Why the stock market is the most accessible starting point • How to begin investing without a 401(k) • Real estate strategies like house hacking and multifamily investing • How to know when it’s the right time to buy property • Using one wealth strategy to fund another • The role of entrepreneurship in building wealth faster • Overcoming fear and confusion around money Mentioned in this episode: Andrea’s Financial Coaching Services This episode is a reminder that you don’t have to do everything at once — start with one strategy, stay consistent, and build from there. Support the show Sign Up for the MoneyChisme & Raíces Newsletter Resources: Start Investing with M1Finance or Fidelity Finance Books to Start Your Journey Open a High Yields Account Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    42 min
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5
out of 5
4 Ratings

About

Welcome to Money Chisme, the go-to show for Latinas ready to take control of their financial future! Whether you're learning about investing for beginners, building generational wealth, or launching a side hustle, this podcast is designed to empower our comunidad with the tools and strategies to thrive. I break down the essentials of personal finance, real estate investing, and entrepreneurship in the Latina community, helping you grow your money while staying connected to your roots. My mission is to close the racial wealth gap by sharing relatable success stories, practical advice, and wealth-building tips tailored for Latinas. Whether you're dreaming of financial independence or growing your business, we’ve got you covered. Tune in, level up, and let’s build the future we deserve—together!

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