Yo Quiero Dinero

Jannese Torres
  • 4.8 (615)
  • 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. 3d ago

    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

  2. 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

  3. 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

  4. 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

  5. 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

  6. May 11

    Credit 101: How to Build Credit, Pay Down Debt, and Protect Your Score with Carol Pope

    If the word "credit" makes you want to hide under the covers, this episode is for you, mi gente. I'm sitting down with Carol Pope — personal finance writer and author of Credit 101 — to break down everything you need to know about building credit from scratch, paying down debt, and protecting your score. No shame, no judgment, just an honest conversation. Carol and I have almost identical money origin stories. Neither of us learned a damn thing about credit growing up. Now we're both on a mission to make sure you don't have to learn the hard way like we did. WE GET INTO: 00:02 — Intro + Jannese's credit origin story 01:58 — What Carol's book Credit 101 covers 02:17 — Carol's money story growing up 03:22 — The moment Carol realized she had to figure this out ASAP 05:04 — Cost of living + why this conversation is so timely 06:41 — What is a credit score and why does it matter? 07:59 — How your credit affects your job, apartment, utilities, and more 09:44 — The 5 factors of your credit score, broken down 12:29 — The myth: does carrying a balance help your credit? (Spoiler: no) 13:30 — Building credit from zero: secured credit cards explained 15:19 — Authorized users: pros, cons, and warnings 17:01 — How long does it realistically take to build good credit? 18:09 — Using credit cards as a lifeline vs. as a tool 22:07 — Buy Now Pay Later: what you actually need to know 24:33 — Already in credit card debt? Here's where to start 27:59 — Snowball vs. Avalanche: which debt payoff method wins? 29:05 — Balance transfers: when they work and when they don't 30:10 — The biggest auto loan financing mistakes people make 33:12 — Buy here, pay here car lots — what you need to know 35:22 — The 14-day rate shopping window that protects your credit 36:22 — Credit fraud: the most common scams to watch for 39:51 — Should you freeze your credit? (Yes. 24/7.) 41:45 — You can also freeze your Social Security number — here's how 44:49 — Debt as leverage, not shame 47:08 — Where to find Carol and grab the book KEY TAKEAWAYS:  What your credit score actually is — and why it controls more of your life than you thinkThe 5 factors that make up your score (and which one matters most)How to build credit from scratch the right wayThe big myth about carrying a credit card balance — please stop doing thisBuy Now Pay Later: what nobody's telling you about how it worksWhere to start when you're already drowning in credit card debtThe debt payoff method Carol personally usesHow to shop for auto loans without tanking your scoreWhy Carol says you should have your credit frozen 24/7A credit protection move most people don't know about: you can freeze your Social Security number CONNECT WITH CAROL: LinkedInCarol’s Book: Credit 101 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 4

    The Cost of Being the Good Girl

    You know the good girl. She follows the rules, makes everybody proud, does everything she's supposed to do. She is me, and I have a feeling she might be you too. This episode was inspired by a recent keynote I gave in California, and I'm bringing it to the podcast because we don't talk about this enough: what it actually costs you to keep playing by everyone else's rules. We're going deep on the cultural conditioning that keeps women — especially Latinas — playing small, the moment I got laid off at 27 and felt relief instead of grief, and the solo trip to Puerto Rico that completely rearranged my life. If you've ever felt the tension between who you are and who you've been expected to be, this one is for you. WE GET INTO: The question you need to sit with: has your ambition ever felt like too much? Growing up in a Latino household where stability was the whole plan Getting laid off at 27 — and why it felt like freedom, not failure Why entrepreneurship doesn't fit our cultural script (and why that's okay) The conditioning that keeps women dimming their light The lie we keep getting fed: that wanting more is selfish My solo trip to Puerto Rico and the question that changed everything Choosing alignment over approval — and what that actually looks like Why being the first also means being the blueprint KEY TAKEAWAYS: Security is an illusion. Jobs are not guaranteed — so if nothing's guaranteed anyway, why are you playing small?Your visibility is not arrogance. It is leadership. Full stop.When women make money, everything changes. Ambition isn't selfish — it's the most generous thing you can do.The people questioning you aren't villains. They're just scared. Their definition of success was built around survival.Stop asking "what should I do?" Start asking "what would my life look like if I actually trusted myself?"If you're the first, you're also the blueprint. 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.

    14 min

  8. Apr 27

    Getting You Ready for Power with Alexis Meruelo

    What does it actually take to step into your power? In this episode, I'm sitting down with Alexis Meruelo — second-generation Cuban-American business leader, founder of the Business of Her conference, and author of the brand new book Getting You Ready for Power — to talk about the real, messy, beautiful process of finding your purpose and owning it unapologetically. We're getting into her family's entrepreneurial roots, why she spent six months with a career coach just to answer one question, the concept of "business karma," and why more women need to stop self-rejecting before they even ask. This one is packed, mi gente. Let's get into it. WE GET INTO: 00:00 — Introduction 00:26 — Alexis's background and family entrepreneurial roots 02:01 — La Pizza Loca, Sahara Las Vegas, and the Cuban immigrant hustle 04:02 — Pain, rejection, and hitting a wall in her 20s 05:00 — Hiring her first career coach and betting on herself 07:25 — Redefining success without the ring or the kids 10:03 — How to deal with your Latino family's opinions 12:03 — Living in alignment and the new generation of young women 13:41 — The mentorship gap and why we self-reject before we even ask 19:21 — Business karma explained 22:25 — Her role at the Meruelo Group and CSR work 24:32 — Career reinvention: nothing is ever wasted 27:37 — Launching the Business of Her conference 32:05 — Getting You Ready for Power — the book and the three-phase framework 34:52 — Final message: you are ready, do it scared KEY TAKEAWAYS: The best investment you'll ever make is in yourself. Alexis hired her first career coach at her lowest point and it changed everything.Define success on your own terms. The ring, the kids, the "right" career path — none of it matters if it's not your vision.Your Latino family will have opinions. Let them talk, then go do your thing anyway.We reject ourselves before anyone else gets the chance. Don't say no for a potential mentor — let them say it. Most women never ask, and that's why most women never have one.Business karma is real. Lift other women, support other businesses, and it always comes back. The crabs-in-a-barrel mentality only keeps you small.Nothing is ever wasted. Every year in the wrong job still made you better. You can pivot at any age, any stage.Life goes in phases. Your purpose doesn't have to be your paycheck right now — and "not yet" is not the same as never.Believe in yourself. Build your team. Rise to lead. That's the three-phase framework — and it starts with doing the inner work first.You are already ready. Do it scared, and do it in baby steps. CONNECT WITH ALEXIS: Alexis' Website Business of Her Website Alexis on Instagram Business of Her on 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.

    38 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
    388
  • Rating
    Explicit
  • Copyright
    © Delish Dlites LLC
  • Show Website
    Yo Quiero Dinero

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