Yo Quiero Dinero

Jannese Torres

"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. HACE 2 DÍAS

    How Delilah Dee Built a Six-Figure Side Hustle Throwing Parties

    She built a women-only party empire that makes six figures as a side hustle, got herself onto the team that created the Bad Bunny Super Bowl halftime show field team through sheer hustle and genuine relationships, and did it all while juggling a corporate job and navigating a health diagnosis doctors ignored for years. Delilah Dee is back on Yo Quiero Dinero this week and she brought EVERYTHING. We're talking real revenue numbers for her event planning business, the Bad Bunny behind-the-scenes tea, fibroids and fighting for your health as a Black or brown woman, and the financial literacy lesson she wishes someone had taught her earlier. WE GET INTO: 00:29 – What is Jefatona? The elevator pitch 03:02 – Growing up with a hustle mentality (shoutout to mom) 05:27 – How she got hired at iHeart with no corporate background 08:00 – Getting furloughed during COVID and pivoting to virtual events 11:11 – Launching Jefatona & selling out a club in 24 hours 11:32 – Revenue breakdown: how parties actually pay 16:09 – Multiple income streams + negotiating Fridays off 17:15 – The real numbers: $60K year one, six figures by year two 24:12 – Walking away from the startup that didn't align 29:54 – How she got onto the Bad Bunny Super Bowl field team 37:32 – Behind the scenes of halftime show production 43:00 – The dress rehearsal that made her cry 48:07 – The fibroid diagnosis and advocating for your health 54:43 – What she wishes she knew: financial literacy 56:10 – Where to find Delilah + Jefatona KEY TAKEAWAYS:  You don't need the perfect resume to get into the room,  you need to know your value and be able to speak to it with confidence. \Referrals are the most underrated growth strategy in business. Do great work, treat people right, and let the recommendations do the marketing for you.You can make real money in the events business — but you need to understand how the money actually flows.Walking away from money that doesn't align with your values is one of the hardest and most necessary things you'll do as an entrepreneur. Getting onto the Bad Bunny Super Bowl halftime show field team wasn't luck but years of genuine relationship-building paying off at exactly the right moment.Financial literacy isn't just for people who already have money, it's especially critical when the money starts flowing in. If you're building something real, get financially literate before the money arrives, not after.Black and brown women are disproportionately affected by fibroids and disproportionately dismissed when they report symptoms. If something feels off in your body, advocate for yourself.  CONNECT WITH DELILAH: Jefatona Instagram  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.

    1 h 1 min

  2. 13 ABR

    Getting Good With Money (For Real This Time) ft. Tiffany "The Budgetnista" Aliche

    She's back and she brought receipts! Tiffany "The Budgetnista" Aliche is one of the most iconic voices in personal finance, and if you missed her first episode on YQD, it became the highest-watched episode in the show's history. Dead ass. So yeah, we had to bring her back. This time, Tiffany is opening up about EVERYTHING — from the $35,000 scam that left her broke and sleeping on her sister's couch, to building an eight-figure net worth, to why she's still learning how to stop giving her money away to people who didn't even ask for it. She also drops the full framework from her bestselling book Get Good With Money, now available in paperback, and why that book hits differently after everything she's been through personally. If you've ever felt like financial wellness was something that happened to other people, this episode is going to shift that for you. WE GET INTO:  00:00 – Welcome Back, Budgetnista: Why This Episode Is Already a Classic 03:06 – From Stuffed Animals to Preschoolers to Millions: Little Tiffany's Origin Story 06:52 – Tiffany's Financial Fiasco: The $35K Scam (Meet Jake the Thief) 12:25 – Why Shame Has Zero Business Being in Personal Finance 13:20 – The Budgetnista Law: Making Financial Education Mandatory in NJ Schools 15:14 – The "Just Cut Back" Myth: What Getting Good With Money Actually Looks Like 17:09 – Your Budget Is a "Say Yes Plan" — And You Cannot Budget Your Way to Wealth 21:22 – Charging Your Worth: Why Women Leave Millions on the Table 24:35 – Wealth Guilt & Giving: When Generosity Becomes Self-Sabotage 33:08 – The 10 Pillars of Financial Wholeness: From Managing Money to Building Legacy 36:16 – Estate Planning Isn't Morbid — It's Love: What Tiffany Learned After Losing Her Husband 43:04 – Prenups, Partnerships & Building Wealth With the Right Person 49:06 – Dating After Loss: Why Financial Compatibility Is Non-Negotiable 52:38 – Get Good With Money Paperback: Why It Hits Even Harder Now KEY TAKEAWAYS: Your budget isn't a restriction — it's your "say yes plan." It's there to keep you financially safe so you can say yes to the things that matter.You cannot budget your way to wealth. Learning to earn is the single most transformative financial move you can make.Debt freedom is a goal you can pick up along the way. It is NOT the finish line. Wealth is.The 10 pillars of financial wholeness: budgeting, savings, debt, credit, learning to earn (the foundational five) → investing, insurance, financial team, net worth, and estate planning (the growth and protection five).Wealth guilt is real — and giving money away before you've even asked if someone needs it is about you, not them.The right financial partner doesn't have to match your income. They have to know how to provide for someone who doesn't need it in the traditional sense.Estate planning is the ultimate act of love. Don't wait until it's too late. RESOURCES: Website Made Whole  Get Good with Money  CONNECT WITH TIFFANY: InstagramFacebook YouTube  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.

    59 min

  3. 6 ABR

    Is Gold the Secret Investment Your Portfolio's Been Missing? With Brandon Thor

    You've probably seen the late-night gold commercials and immediately changed the channel. Same. But here's the thing — what if that reaction is exactly what the banks, financial advisors, and the government want from you? In this episode, I'm sitting down with Brandon Thor, CEO and founder of Thor Metals Group, to break down why precious metals investing isn't just for doomsday preppers — and why less than half of 1% of people invest in gold despite it being mentioned in the Bible 431 times. The gatekeeping is real, mi gente, and we're pulling back the curtain. We get into what a self-directed IRA actually is, how physical gold is different from buying GLD in your Fidelity account, and why central banks all over the world are hoarding this stuff while the rest of us sleep on it. Whether you have $20K sitting in a savings account doing nothing or you're just curious about diversifying beyond stocks and bonds, this episode is going to break your brain — in the best way. WE GET INTO: 01:46 — What is a precious metals IRA (in plain English)?  02:41 — Self-directed IRA vs. traditional & Roth IRAs 04:05 — Paper gold (GLD) vs. physical gold: the counterparty risk nobody talks about 05:09 — Who should actually be investing in precious metals? 07:25 — Why gold has a bad reputation (hint: it's intentional) 09:19 — How long does the setup process take? 10:26 — Where does the gold actually go? 11:58 — Pros, cons, and the right time horizon for precious metals 13:17 — How to think about returns (spoiler: it's not like dividend stocks) 14:45 — Why gold prices dipped during economic instability 16:04 — Red flags: how to choose a legit precious metals company 17:39 — Yes, Costco sells gold. Is it worth it? 19:46 — Dollar cost averaging vs. lump sum in precious metals 21:22 — Why so few people invest despite gold's 5,000-year track record 24:54 — First steps for the curious but hesitant investor 25:45 — The 10-year outlook for gold and silver 28:12 — Gold: the secret investment hiding in plain sight 32:00 — What financial freedom means to Brandon  34:18 — Where to connect with Thor Metals Group KEY TAKEAWAYS:  A "gold IRA" is really a self-directed IRA — a specific account type that lets you own alternative assets like physical gold, silver, and real estate instead of just stocks and bonds.Physical gold eliminates counterparty risk. When you own GLD or another paper version, you're trusting a bank. If that bank fails? You're holding worthless paper. Physical gold is yours, full stop.The reason most people don't know about precious metals investing isn't an accident. Banks, financial advisors, and the government all benefit from you not having your money in gold. Follow the money.You don't need a ton to get started, but Brandon's sweet spot recommendation is $20,000 — enough to build a diversified metals portfolio and actually feel the market move.The ideal time horizon for precious metals is 3–5 years. This isn't money you'll need liquid in two months — it's money that can sit, grow, and do its thing.Red flags to avoid: anything obscure, anything priced way above spot price, and anything you can't find on a thousand dealer websites. Stick to American Eagles, Maple Leafs, bars, and rounds.Self-directed IRA fees are flat and low — roughly $225/year regardless of account size. Compare that to the AUM fees you're likely paying right now.Central banks worldwide are buying and hoarding gold at record levels. When the biggest institutions are buying something retail investors are ignoring, that's worth paying attention to. RESOURCES: Thor Metals Group CONNECT WITH BRANDON: LinkedInInstagram 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.

    40 min

  4. 30 MAR

    You're More Ready to Buy a Home Than You Think with Josie White of Chase Home Lending

    ¡Hola mi gente! If buying a home has felt like a dream that wasn't built for people like you — this episode is going to change that. Today I'm sitting down with Josie White, Home Lending Advisor at Chase Home Lending, who has spent 15 years helping people navigate the mortgage process and 30 years in banking. She's bilingual, she's been in the trenches with buyers at every income level, and she is here to tell you the truth about what it actually takes to buy a home in 2026. We're busting the biggest myths: the 20% down payment (nope, not required), the "perfect credit score" (also not required), and the idea that being self-employed or having limited savings means it's not possible for you (also not true — with some asterisks). WE GET INTO:  00:00 - Intro: Homeownership for First-Gen Latinos (Sponsored by Chase Home Lending) 01:44 - Josie's Role at Chase and 15 Years in Home Lending 02:47 - How Today's Buyers Are Different From Your Parents' Generation 04:12 - Jannese's Real Estate Journey: From One Property to Two (and Counting) 05:19 - The Biggest Mistake Buyers Make: Don't Assume Before You Ask 06:38 - What You Actually Need to Know About Qualifying for a Mortgage 07:59 - What If I Don't Have 20% Down? Your Real Options 09:04 - Pre-Qualification vs. Pre-Approval: What's the Difference? 11:16 - Buy Based on Your Current Finances, Not What You Hope For 12:16 - How Chase Helps Buyers Who Feel Intimidated By the Process 14:29 - DreaMaker Mortgage and Low-to-Moderate Income Lending Programs 15:51 - The Free Credit Journey Tool and the Perfect Credit Score Myth 17:10 - A Cautionary Tale for Self-Employed Buyers 19:13 - Fixed Rate vs. Adjustable Rate Mortgages Explained 21:05 - FHA vs. VA vs. Conventional Loans: What's the Difference? 23:13 - How Jannese's Dad Bought His Home With a VA Loan 24:01 - Multi-Generational and Co-Buying Arrangements 25:19 - How to Strengthen Your Financial Profile Before You Buy 26:44 - Mindset for Navigating Today's Housing Market 28:42 - How to Take the First Step With Chase Home Lending 29:59 - Outro and Final Thoughts KEY TAKEAWAYS: The real difference between pre-qualification and pre-approval (and why it matters)Chase's DreamMaker Mortgage and homebuyer grants of up to $5,000 that don't have to be repaidHow your credit score actually affects your interest rate — and Chase's free Credit Journey tool to help you improve itDocumentation you need to have ready (especially if you're self-employed)Fixed rate vs. adjustable rate mortgages — and which one is right for your situationFHA, VA, and conventional loans broken down simplyMulti-generational and co-buying arrangements that more families are using to get into the market EPISODE RESOURCES: Connect with Josie and explore home buying options  TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemail This episode of Yo Quiero Dinero is sponsored by Chase Home Lending and produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    34 min

  5. 23 MAR

    Why Latinas Need to Stop Climbing the Corporate Ladder and Build Their Own with Stephanie Pimentel

    She was literally born the day her mother landed in the US — and that energy of showing up and figuring it out has followed Steph Michelle Pimentel her entire life. In this episode, I'm sitting down with Stephanie Pimentel, a Dominican American executive and the founder of Lumena Global, whose work sits at the intersection of cross-border leadership, people strategy, and cultural intelligence. She spent 17 years in corporate — starting as an HR coordinator at $11.75 an hour and climbing all the way to the executive level — only to discover that being invited into the room is not the same thing as having real power in it. We are talking about the "fake seat at the table," what it actually means to be an asset that companies exploit without compensating, why US businesses keep fumbling Latino and Latam markets, and why with AI handing you every tool you need, there has never been a better time to say f*ck corporate and build your own table. Stephanie is also giving YQD listeners a free 15-minute strategy call — no charge, no catch. You need to take her up on it. WE GET INTO: 0:00 - Intro: Born the Day Her Mother Landed in the US 1:06 - Growing Up Dominican & the "Work, Work, Work" Mentality 2:31 - 17 Years in Corporate Starting at $11.75/Hour 4:19 - The Fake Seat at the Table Explained 9:00 - Battling Imposter Syndrome When You're Losing Your Job 10:41 - Why AI Makes Right Now the Best Time to Ditch Corporate 11:44 - The $4.1 Trillion Latino Market (We Are Not a Niche) 15:02 - How US Companies Fumble Latin American Expansion 24:31 - Stephanie's Entrepreneurial Journey: Failures, LLCs & Rock Bottom 34:57 - Free Strategy Call + How to Work With Stephanie KEY TAKEAWAYS: Being invited into the room is not the same as having real power in itCultural intelligence isn't a soft skill — it's risk managementThe US Latino GDP is $4.1 trillion. We are not a niche. We are the market.US companies lose money in Latam because they treat it as cheap labor instead of a talent engineYou don't need to wait until you hit rock bottom to start building — start before you're ready RESOURCES MENTIONED: Lumena GlobalBook Your FREE Strategy Call CONNECT WITH STEPHANIE: Instagram  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.

    39 min

  6. 16 MAR

    Burn the American Dream Down & Build Abroad with Vanessa Wachtmeister

    She was one of the baddies who showed up on this show back in 2021 — and four years later, Vanessa Wachtmeister is back and she is NOT the same woman. She's paid off $130,000 in debt, earned her German passport, and is about to launch her second tech startup. And she did all of it from Europe, where blueberries cost a dollar and a minor surgery runs you 300 euro — total. In this episode, Vanessa and I are getting into ALL of it: what it actually looks like to build a career, a business, and a life abroad. How she navigated work visas, taxes, and even burning down a GmbH to the tune of $100K of her own money to rebuild her startup in the US. We're talking passport diversification as the new financial strategy, why the American dream was always a lie, and how her new job platform Go Onwards is coming for LinkedIn's neck. If you've been thinking about leaving, this is your sign to stop playing and start moving. WE GET INTO: 00:00 - Intro: The Baddie Who Left America in 2013 and Never Looked Back 02:51 - Why Vanessa Said "Bye, America" at 21 with $2,000 and a Dream 04:20 - The World Tour: China, London, Syria & Germany 05:42 - What Her Life Would Have Looked Like If She'd Stayed 08:42 - How to Actually Get a Job Abroad: Visas, Work Permits & What Nobody Tells You 10:22 - How to Choose Where to Move 13:20 - Grocery Bills, Free Healthcare & Why She Can Never Come Back 16:16 - From Masterclass Girlie to Tech Founder: Her Creator Evolution 18:57 - The Gap in the Market That Built Go Onwards 21:55 - Why LinkedIn Doesn't Give a F*ck About Job Hunters (and She Does) 23:33 - Pricing, Features & What You Get with Go Onwards 24:44 - The $100K Founder Mistake She Made in Germany 28:36 - The Real Tea on European Taxes 31:33 - Digital Nomads, Remote Work & What 100% Remote Actually Means Abroad 32:03 - How She Made $310K and Paid $26 in Federal Tax 35:22 - Passports Are the New Insurance Policy 36:03 - The (Very Legal, Slightly Gray) Way She's Bringing Her Family to Europe 38:08 - How to Financially Prepare to Move Abroad KEY TAKEAWAYS: Getting a job in Europe as a US passport holder is more doable than you think — but you need to understand how work permits and visa sponsorship actually workThe Foreign Earned Income Exclusion lets you exclude up to $130K of foreign income from US federal taxes — stack it with tax credits and you'll be shocked at your billPassport diversification is the new financial strategy — multiple citizenships give you options that no investment account canGo Onwards filters out ghost posts, non-English jobs, and low-paying roles so you only see high-quality opportunities with visa sponsorship across all 30 EU economic areas + the UKYou don't need to fundraise to fund a startup — Vanessa liquidated part of her stock portfolio at peak to self-fund, treating it as diversification into a revenue-generating assetLiving abroad doesn't have to be expensive — Vanessa's all-in monthly budget in Berlin (including rent, health insurance, CrossFit, and Ubers home) is $2,500 RESOURCES MENTIONED: Listen to Vanessa’s past episode of the podGo Onwards (Vanessa's job platform) CONNECT WITH VANESSA: 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.

    45 min

  7. 9 MAR

    How to Build a Money System That Actually Works for Your Family with Sahirenys Pierce

    What if having the right money system meant that when your family faced a crisis, finances were the last thing on your mind? In this episode, I'm sitting down with Sahirenys Pierce of Poised Finance and Lifestyle — one of the OG Latinas of personal finance on the internet — and she's sharing the story behind her High 5 Banking Method. Spoiler: it was born out of one of the scariest moments of her life, when her son needed open heart surgery and she realized that having organized finances meant she could focus entirely on him instead of scrambling for money. That's the real power of a system that works. We break down the full High 5 Banking Method — the five purpose-driven accounts, how to set them up without starting from scratch, when high-yield savings actually matters, and how to handle the very Latina reality of your family treating your emergency fund like a group savings account. We also get into her four household game changers that eliminate the mental load of running a home without losing your damn mind. Her book, The High 5 Banking Method: A Money System You Can Count On, drops March 3rd, 2026. Grab your copy — and one for someone you love too, because we're not out here building little rich silos.  WE GET INTO: 00:42 - Meet Sahirenys: Creator of the High 5 Banking Method02:14 - Growing Up Watching Her Parents Lose Everything in 200805:33 - From Pharmacy School to Financial Planning07:03 - Why Less Than 4% of CFPs Are People of Color09:04 - How Her Son's Heart Defect Inspired a Money System11:14 - Saving with Confidence: The Surgery Fund Story13:10 - How the System Held Up When Everything Went Wrong at Once14:42 - Breaking Down the 5 Accounts (2 Checking, 3 Savings)17:46 - Bills Checking vs. Lifestyle Checking: What Goes Where19:21 - Do All Your Accounts Have to Be at the Same Bank?20:25 - High-Yield Savings Accounts: Do You Actually Need Them?21:18 - Ally Bank's Savings Buckets Feature (Not Sponsored, Just Good)27:00 - Managing Family Financial Pressure the Cultural Way30:29 - The SOP: How to Cut, Keep, or Reduce Any Expense34:37 - The Four Game Changers for Running Your Household41:28 - Can Free-Spirited People Actually Use Systems?44:10 - What's Inside the Book KEY TAKEAWAYS: Why one checking and one savings account is keeping you stuckHow to set up five purpose-driven accounts without starting from scratchWhen to use high-yield savings — and when it doesn't actually matterHow to build an SOP so you're never scrambling financially in a crisisThe four household systems that eliminate the mental load of running a homeWhy financial systems aren't just about money — they're about protecting your family CONNECT WITH SAHIRENYS: Instagram: @poisedfinanceandlifestyleWebsite: poisedlifestyle.comBook: The High 5 Banking Method — available at Barnes & Noble, Target, Walmart, and everywhere books are sold TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave 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

  8. 2 MAR

    The Lazy Way to Build Wealth with Chloe Daniels

    Honestly, I don't know why it took me this long to get Chloe Daniels — aka Clo Bare Money Coach — on the show, because she is a whole badass and we have been living parallel lives for years. She went from a torrential relationship with money (including being financially trapped in a dangerous situation abroad) to becoming one of the most refreshing voices in personal finance. Her approach is called lazy investing — and before you scroll past that, hear her out. Because when BlackRock ran 100 years of market data, the results backed it up. We're getting into all of it: the mindset blocks keeping women out of the market, why Wall Street jargon is gatekeeping on purpose, the truth about financial advisors, and the simple strategy that actually builds wealth long term. WE GET INTO: 00:00 - Intro: Why It Took Us This Long to Do This Episode00:46 - Meet Chloe Daniels: From Side Hustle to Full-Time Finance Coach04:05 - The Childhood Money Belief That Held Her Back05:03 - Financially Trapped in an Abusive Relationship Abroad07:31 - Rebuilding Self-Trust and Becoming Your Own Hero09:05 - Wall Street Gatekeeping and the Paralysis of Conflicting Info11:47 - The Real Stats on Diversity in Financial Advising14:35 - What "Lazy Investing" Actually Is (and Why It Works)18:42 - ETFs vs. Index Funds vs. Mutual Funds: What You Need to Know20:45 - How to Figure Out Your Investor Type and Build Your Portfolio24:21 - The Common Mistake: Money Sitting Uninvested in a Brokerage27:11 - How to Calculate Your Retirement Number Using the 4% Rule36:16 - The One Thing to Do If You're Not Investing Yet38:46 - Lightning Round: Roth vs. 401k, DIY vs. Advisor, and More KEY TAKEAWAYS: Why investing feels hard on purpose — and how to cut through itThe difference between investing and trading (and why most people confuse them)How to determine your investor type before picking a single fundWhy your 401k money might be sitting uninvested without you knowingHow to use the 4% rule to calculate your actual retirement numberWhy the compound interest calculator is the mindset shift you didn't know you neededWhy the answer isn't cutting back — it's making more money CONNECT WITH CHLOE: Instagram: @clobaremoneycoachWebsite: https://www.thelazyinvestorscourse.com/  TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave 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.

    43 min
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"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.

Información

  • Creador
    Jannese Torres
  • Años de actividad
    2019 - 2026
  • Episodios
    380
  • Clasificación
    Explícito
  • Copyright
    © Delish Dlites LLC
  • Mostrar sitio web
    Yo Quiero Dinero

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