Yo Quiero Dinero

Jannese Torres
  • 4.8 (610)
  • 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. 10H AGO

    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

  2. MAR 2

    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

  3. FEB 23

    The Credit Card Hacking Strategy That Could Save You Thousands with Jess from The Sugar Daddy Podcast

    What if I told you that you could travel the world without maxing out your credit cards? In this episode, I'm sitting down with Jess from The Sugar Daddy Podcast to talk about something that's been a game changer for me: travel hacking. And no, this isn't some shady scheme. This is about using credit card rewards strategically so you can live your best life without the financial hangover. Jess and her husband run a financial literacy podcast that's all about normalizing money conversations in Black and Brown communities, and she's breaking down exactly how she's been able to travel to places like Aruba without going broke in the process. WE GET INTO: 00:00 Meet Jess from The Sugar Daddy Podcast03:12 Why money is still taboo in Black & Brown communities07:29 The American Dream is dead – now what?15:45 How rich families talk about money differently22:30 Travel hacking 101: The basics28:15 Strategic credit card spending categories35:40 Which credit cards to start with (and avoid)42:20 Credit score mistakes that will tank your strategy49:40 Do you need an emergency fund first?50:32 Getting started: First steps for beginners52:02 Where to find Jess and more travel hacking tips KEY TAKEAWAYS: Money being taboo in our communities is literally keeping us broke – start normalizing financial conversations at homeRich families have quarterly money meetings and family investment funds. These tools are accessible to us tooThe old "work 40 years, retire with a pension" model doesn't work anymore – we need new strategiesTravel hacking works, but ONLY if you can pay off your credit card every monthYou need an emergency fund BEFORE you start travel hacking – life will lifeStart with low annual fee cards like Chase Sapphire or Capital One Venture ($95 or less)Close predatory store credit cards immediately if you're not paying them off monthlyEven small amounts add up – imagine 30 cousins each contributing $150/year to a family investment clubUse referral links for sign-up bonuses to maximize your points from day one RESOURCES MENTIONED: point.meChase Sapphire CardVenture One CardAmerican Express Card CONNECT WITH JESS Website Instagram ​ 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.

    56 min

  4. FEB 16

    Why Bad Bunny's Grammy & Super Bowl Moment Is Everything for Latino Culture Right Now

    At the time of recording this episode, Bad Bunny has just made history—TWICE. First Spanish-language artist to win Album of the Year at the Grammys. Then he delivered the most-watched Super Bowl halftime show of ALL TIME. But this episode isn't just about celebrating Benito's wins (though we're absolutely doing that too). It's about what this moment means for ALL of us—especially right now, when being Latino has been demonized and criminalized in this country. Just a heads up that this episode is a replay of a recent Instagram live I did post-superbowl and the audio reflects that in some parts.  WE GET INTO: 0:00 - Intro: Happy Puerto Rican Month! 2:42 - The Best Halftime Show Ever 4:47 - Why Unity Over Division Matters Right Now 7:12 - Bad Bunny's Cultural Impact & Timing 9:38 - The American Dream Story We Can All Relate To 15:30 - Breaking Down THAT Grammy Win 22:15 - Benito's Activism: From Day One 28:45 - The Super Bowl Performance Analysis 35:20 - Ricky Martin's Powerful Appearance 40:10 - Understanding "El Apagón" & Puerto Rico's Reality 45:02 - Hurricane Maria's Lasting Impact 47:06 - How Non-Puerto Ricans Can Actually Help 48:30 - The Flag Parade & Unity Message 50:48 - Community Growth & Connection 52:50 - Closing: Rock Your Flags & Stay Poderosa KEY TAKEAWAYS: Bad Bunny became the first Spanish-language artist to win Album of the Year at the GrammysHis Super Bowl halftime show was the most-watched of all timeThis moment represents Latino power, visibility, and refusal to stay smallBenito's activism isn't performative—he's been consistent since day oneThe halftime show featured powerful moments like the kid sleeping in the chair, the flag parade, and Ricky Martin's appearancePuerto Rico cannot vote for president and has no voting representation in CongressWe can support Puerto Rico by staying at locally-owned businesses, eating at local restaurants, and voting for representatives who support pro-Puerto Rico policiesReading Puerto Rico's history reveals shocking treatment by the U.S. including birth control testing, military testing, and bombingUnity over division is the path forward—they want us divided to maintain controlWe are taking over the world on our own terms, in our own language, for our own peopleThis is a reminder to rock our flags, tell our stories, and stay loud 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

  5. FEB 9

    The Secret to Creating True Abundance with Rebecca Gitana Torres

    This episode is going to shift how you think about success, abundance, and where you belong. I'm sitting down with my vecina, Rebecca Gitana Torres, a spiritual guide who rematriated to Puerto Rico after realizing the American Dream was never meant for people like us. We're talking about what holistic abundance actually means—and spoiler alert, it has nothing to do with your bank account or where you live. Rebecca shares her journey from working a city job in the Bronx to creating “transformation cocoons” in Puerto Rico, and why so many of us have been taught the colonial lie that we need to leave our homelands to find abundance. We talk about the generational programming that keeps us chasing external validation, why you need to stop clinging to old identities and relationships, and how to tap into your magnetic energy no matter where you are. If you've been feeling stuck, unfulfilled, or like you're chasing someone else's version of success, this episode is going to give you permission to redefine everything. WE GET INTO: 00:00 - Intro: Meeting My Vecina from Puerto Rico02:03 - Rematriation vs. Economic Refugees: Reclaiming Our Roots06:09 - How Rebecca Left Her City Job 20 Years Ago08:27 - Why External Validation Will Always Leave You Empty13:45 - Discovering Your Value in "Regular" Jobs22:30 - The Mothership: Creating Matriarchal Safe Spaces28:40 - Stop Clinging to Old Identities & Relationships35:09 - What Happens in a Transformation Cocoon39:17 - Start Here: Clear the Clutter First KEY TAKEAWAYS: The colonial lie that you must leave your homeland to find abundanceHow to disconnect from external validation and find your internal powerWhy clinging to old identities keeps you stuckThe importance of clearing clutter before anything elseHow to recognize and develop your spiritual gifts in any job CONNECT WITH REBECCA: Website Instagram YouTube  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.

    44 min
  6. Perreo x Power with Rauw Alejandro: Reinvention Is the Strategy

    FEB 5 · BONUS

    Perreo x Power with Rauw Alejandro: Reinvention Is the Strategy

    Welcome To Perreo x Power, a new series brought to you by Yo Quiero Dinero. In this series, we're analyzing the origins of some of the biggest stars in the Latin Urban/Reggaeton genres and pulling out all the gems that you can apply to your money, business and life! In this debut episode, I'm breaking down a 2020 interview of Rauw Alejandro, Puerto Rican singer, songwriter, and performer known for blending reggaetón with R&B, pop, and electronic sounds. Born Raúl Alejandro Ocasio Ruiz in San Juan, he grew up between Puerto Rico and the mainland U.S., with early exposure to music and a strong foundation in dance, which later became a defining part of his artistry. He spent years releasing music and refining his craft before breaking through globally, building a reputation for high-level performance, futuristic visuals, and constant reinvention. Rather than chasing trends, Rauw has focused on skill stacking and evolution, allowing him to remain relevant in a fast-moving industry. Find out how a tragic end to his original career goals inspired Rauw to pursue music, and he went from an unknown musician to a Latin Grammy award-winning artist in less than 5 years! Saturno Playlist: https://youtube.com/playlist?list=OLAK5uy_kIVZbDqHZEqhCdjjEMm-PoYy0l3GpXHto&si=MNm7VFD8ny_DfLn1 Check out the Yo Quiero Dinero Podcast at https://yoquierodineropodcast.com/ Watch the video version of this episode on YouTube. TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemail Hosted on Acast. See acast.com/privacy for more information.

    56 min

  7. FEB 2

    The Hardest Business Decision I’ve Ever Made (An Update from My Sister!)

    This episode is going to be one of the most honest conversations I’ve ever had on Yo Quiero Dinero. It's a raw, unfiltered conversation about what happens when you mix family and business—and spoiler alert: it gets messy as hell. My sister Lianne is back after a year-long hiatus, and we're spilling ALL the tea. From her rapid social media growth that turned into a nightmare with death threats, to being diagnosed with MS at 37, to almost filing for bankruptcy—this episode holds nothing back. We talk about what it was really like when she worked for me while I was a brand new mom, how her personal struggles spilled into the business, and why we ultimately had to make the difficult decision to part ways professionally. This isn't some sanitized "family business success story", it is the real shit that nobody talks about. If you've ever worked with family, hired a family member, or wondered if you should mix business with blood, this episode is required listening. WE GET INTO:  00:00 - Intro: Family, Business & Messy Dynamics 02:03 - From 0 to 100K Followers to Death Threats 05:03 - MS Diagnosis, Hospitalization & Bankruptcy 07:20 - "I Was a Horrible Employee": Taking Accountability 10:58 - The Performance Improvement Plan & Final Warning 30:38 - The Money Problem: 1099 Tax Chaos 37:26 - Digging Out of the Spiral: The Brutal Reality 41:36 - Landing the New Job & Finding Peace 54:56 - The 2026 Comeback: What's Different This Time 58:29 - Should You Work with Family? The Real Answer KEY TAKAWAYS: ​​The gift and curse of rapid social media growthWhy follower counts don't equal moneyHow to navigate difficult conversations with family in businessRecognizing when a business relationship has reached its expiration dateThe importance of boundaries in ALL relationshipsHow to rebuild after burning everything down RESOURCES MENTIONED: Listen: Episode 179: 2 Sisters, 2 Survivors | Lianne Torres | Watch Us Thrive PodcastErica Kramer CONNECT WITH LIANNE: WebsiteInstagram: @watchusthrivepodcast TAKE THE NEXT STEP: Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemail *Content Warning: This episode contains discussions of mental health struggles, financial hardship, and online harassment. This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

    1h 6m

  8. JAN 26

    The State Of Latina Wealth in America with Dr. Marlene Orozco

    In this data-packed episode of Yo Quiero Dinero, Jannese sits down with Dr. Marlene Orozco, founder of Stratified Insights and lead researcher behind one of the most comprehensive studies ever conducted on Latina wealth in America. Together, they break down the receipts real numbers, real stories, and real systems that explain why Latinas continue to earn less, save less, and carry more financial responsibility, despite being one of the fastest-growing economic forces in the country. This conversation goes beyond hot takes and dives into the structural barriers, cultural expectations, and systemic inequities shaping Latina wealth today from entrepreneurship and homeownership to caregiving, education, and retirement. If you’ve ever felt like you’re working twice as hard for half the reward… this episode will make you feel seen and fired up. What We Get Into 00:00 Why this Latina wealth data matters 01:10 Meet Dr. Marlene Orozco 04:25 First-gen roots & entrepreneurship 09:30 Necessity vs opportunity businesses 12:50 The Latina wealth paradox 17:45 The 27% pay gap explained 23:50 Entrepreneurship as a wealth strategy 29:55 Homeownership & credit barriers 34:10 Retirement & investment gaps 37:45 Financial first responders 47:40 The motherhood penalty 56:20 Hope, policy & what’s next Key Takeaways Latinas are not behind because of bad choices — the system is working exactly as designed.Education and entrepreneurship do increase earning potential, but they are not enough without access to capital and policy support.Caregiving, cultural expectations, and family responsibility significantly limit Latinas’ ability to save and invest.Homeownership remains a primary wealth strategy, but affordability, credit access, and insurance risks threaten long-term stability.Real change requires structural solutions, not just individual financial literacy. Resources Mentioned REPORT - Latina Wealth In America: https://latinoprosperity.org/research,Latino AI Summit: https://tinyurl.com/latinoaisummit2026 Stratefied Insights: https://www.stratifiedinsights.com/ Marlene's LinkedIn: https://www.linkedin.com/in/marlene-orozcoFree Download: New Year Dinero Reset GuideMy private membership: https://courses.yoquierodineropodcast.com/foundersHave a question? Leave me a voicemailBook: Financially Lit by Jannese Torres This podcast was produced and edited by Idea to Launch Productions Hosted on Acast. See acast.com/privacy for more information.

    1h 5m
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4.8
out of 5
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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
    374
  • Rating
    Explicit
  • Copyright
    © Delish Dlites LLC
  • Show Website
    Yo Quiero Dinero

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