Latina Investors

Andrea Ramos

Latina Investors is a personal finance & investing podcast for first gen WOC. We cover topics ranging from money management, saving, investing, leveraging debt, side incomes, entrepreneurship & more! The aim of the podcast is to empower more first gen WOC to learn how to make their money work for them...in a ways that specifically caters to their story. My hope is that this podcast helps WOC tap into all that is possible when they have a deep knowledge & understanding of your money.

  1. 3d ago

    202. Passive Income vs. Passive Growth: What First Gen Women Need to Know About Investing

    You've been hearing about passive income for a while now. You want it. You've looked into it. And somewhere between the real estate reels and the digital download courses and the stock tips that promise you monthly cash flow, you got confused about what's actually real.*Is this legit? Is this what I actually have to do? Why does everyone make it sound so easy?*This episode is the honest breakdown you've been looking for.Andrea walks through her own investing knowledge journey, from thinking passive income was just money that showed up every month, to understanding what it actually takes and what she now knows to be true about how wealth is built. IN this episode, you'll learn:✅ The real definition of passive income, and why even the best version of it requires an upfront investment of time, money, or resources✅ Why real estate is glamorized as passive when it actually requires active, ongoing work✅ Why entrepreneurship and digital products carry more effort than the highlight reel suggests✅ Why the stock market is the lowest barrier to entry for first-gen women who want to put their money to work✅ The difference between passive growth and passive income, and why knowing which stage you're in changes everything✅ How index funds and ETFs build a money engine that compounds year after year✅ How much a portfolio actually needs to be worth to generate true monthly passive income, using Andrea's own numbersThis is not about chasing a get rich quick strategy. It is about understanding how wealth is actually built so you can stop being sold something that doesn't work and start building something that does.Let's connect:Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

  2. Sep 17

    201. How I Used $4k Of Investments To Pay for Big Life Expenses (Not Just Retirement)

    You watched your parents work for every dollar. Every single one. And somewhere along the way, that became the blueprint: work harder, stay longer, pick up the extra shift. That's how you take care of your family. That's how you survive. But what if your money could also be working? In this episode, I'm sharing how in January 2026, my brokerage account sat at $34,000. I didn't add a single dollar to it this year. And by September, it had grown $4,011 on its own. I then sold $4,200 of it to cover half of an $8,000 AC unit. This is the first purchase I have ever made with money I didn't earn! You'll learn: ✅ Why a taxable brokerage account is the tool for funding big life goals outside of retirement✅ How Andrea's account grew $4,000 passively in 2026 without a single new deposit✅ Why "only invest money you can afford to lose" is the wrong framing and what to think instead✅ What it feels like to pay for something with money your money made — and why that changes everythingThis is not about getting rich quick. It is about building something consistent, reliable, and real. Something your parents didn't have access to. Something you can pass down.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

  3. Sep 11

    200. Why Learning How to Spend Is the Real Key to Building Wealth

    📈 Free Training Register Here You have money coming in. Bills are getting paid. And still, at the end of the month, you are confused. The problem is not that you are bad at saving. The problem is that no one ever taught you how to spend.In this episode, Andrea breaks down what do I do when something comes up that I did not plan for? The shift is not cutting everything out. It is building a system that gives you enough feedback to make real, conscious decisions about what is actually worth it to you and what is not.You'll learn:✅ The four buckets your paycheck needs to be split into every single month✅ Why "unexpected" expenses are not actually unexpected and how to stop letting them derail your plan✅ Why feedback and friction in your money system are not punishment, they are the whole point✅ Why spending is the skill that determines whether every other financial goal actually happensLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

  4. Sep 3

    199. How to Start Building Wealth: The 3 Stages Every First Gen Woman Needs to Know

    If you've ever searched how to start building wealth and felt like every answer assumed you already had a foundation you were never given, this episode is the one you've been waiting for.This episode breaks down the 3 stages of wealth building so you can see exactly where you are right now, what skill you need to develop to move forward, and what is actually possible on the other side of getting this right.The reason any of us pursue wealth in the first place is not a number on a screen. It is the security to handle what life throws at you. The options to choose how you spend your time. The freedom to walk away when something is not working. That is what all of this is for.In this episode, you'll learn:✅ Why getting strategic with your paycheck matters more than earning more money✅ What spending well actually means and why it is the skill most people are missing✅ How to know which stage of wealth building you are currently in✅ What investing with purpose looks like when it is tied to a real goal, not just a general intention✅ Why saving alone does not count as wealth building✅ How to use the three stages as a framework to keep moving forward no matter where you are starting fromLet's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

  5. Aug 28

    198 Retirement vs. Investing: What's the Actual Difference (Roth IRA, 401k, Brokerage Accounts Explained)

    "Retirement investing and general investing are not the same thing, even though most of us use the words interchangeably. A Roth IRA and a 401k get you started, but they only cover one branch of a much bigger system — the money you'll need for health expenses, your kids' future, and the goals that hit before retirement, like a house down payment, a sabbatical, or supporting your parents. This episode breaks down the four branches of investing: retirement, health (HSA), kids (529s, custodial accounts), and general/midterm investing through a brokerage account — plus why the taxes on a brokerage account are actually working in your favor, not against you. ✅ Why retirement investing doesn't have to feel until your 40s or 50s ✅ How a brokerage account funds midterm goals (house down payment, sabbaticals, supporting your parents) without touching your retirement accounts ✅ The tax hack that comes with investing in a brokerage account Let's stay connected: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

  6. Aug 20

    197. Upgrading From Survival To Building Wealth with Jelanny Ramirez Pavon [1:1 Client Interview]

    Maybe your money system is working. Bills are paid. You are not in a crisis. But somewhere in the back of your mind, you know it was built to survive — not to build wealth. That is exactly where Jelanny was before she joined 1:1 money coaching. In this episode, Jelanny shares her journey inside 1:1 money coaching where you'll learn: ✅ Why a system built to survive is not the same as one built to grow ✅ What it actually looks like to go from scattered financial information to a full investing portfolio ✅ How Jelani grew her net worth by $13,000 from start to this check-in ✅ Why the identity shift that comes with money coaching matters just as much as the skills Let's connect: Website: www.buildinggenwealth.com Instagram: building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

  7. Aug 18

    197. The Most Powerful Wealth Building Tool

    Register Here: https://calendly.com/buildinggenwealth/100k-portfolio-aug

  8. Aug 13

    196. Invisible Loss

    FREE INVESTING TRAINING: https://www.bgwprograms.com/registration-page You have been meaning to get to it. The Roth IRA, the 401k, the investment account. You know it matters. You have heard it enough times. But somehow, life keeps moving and that thing stays on the list. That is exactly what this episode is about. Andrea opens up about her own experience of invisible loss. Because every day you do not put your money to work is a day of invisible loss. Not dramatic, not obvious, just quietly happening in the background while you tell yourself you will get around to it eventually. In this episode, you'll learn: ✅ What invisible loss is and why it sneaks up on you without a single big decision ✅ Why every day you delay investing is quietly working against your future ✅ How the pain of realizing the loss can actually become the catalyst to start ✅ What momentum builders are and how to use them to get moving with money Let's connect: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

See All (210)

Trailer

5
out of 5
22 Ratings

About

Latina Investors is a personal finance & investing podcast for first gen WOC. We cover topics ranging from money management, saving, investing, leveraging debt, side incomes, entrepreneurship & more! The aim of the podcast is to empower more first gen WOC to learn how to make their money work for them...in a ways that specifically caters to their story. My hope is that this podcast helps WOC tap into all that is possible when they have a deep knowledge & understanding of your money.

Information

  • Creator
    Andrea Ramos
  • Years Active
    2021 - 2026
  • Episodes
    210
  • Rating
    Clean
  • Copyright
    © Andrea Ramos
  • Show Website
    Latina Investors

You Might Also Like