Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt and Retire Early

@travelercharly
  • 4.9 (33)
  • Investing
  • Updated Weekly

This personal finance podcast is hosted by @TravelerCharly, a nonbinary latinx money coach & DEI speaker. I help LGBTQ+, BIPOC, and first-gen professionals crush debt, boost credit scores, and build a six figure retirement—without needing a six-figure salary. Start 6 month private coaching, which includes biweekly calls, daily messaging support, and exclusive curriculum: https://calendly.com/travelercharly/clarity Join my email list: https://www.subscribepage.com/rothfreak Instagram: @Travelercharly Website: www.unicornmillionaire.com

  1. May 13

    146. How Anti-Capitalist Shame Keeps Marginalized Folks Vulnerable

    You are NOT greedy for wanting financial security. Marginalized people deserve safety, options, rest, joy, and long-term wealth, too. Unfortunately, we’re taught that talking about money is greedy. That investing makes you a bad anti-capitalist. That wanting financial security somehow makes you selfish. But staying financially stuck does not protect you from capitalism, it usually makes you more vulnerable to it! In this episode, I break down the anti-capitalist shame and survivor’s guilt I see so many LGBTQ+, BIPOC, first-gen, immigrant, and neurodivergent folks carry around money. I share what I learned working as a stockbroker, why so many people delay investing out of fear or guilt, and how that delay quietly costs people decades of financial freedom. Because the people building wealth are not always the people making the most money. They’re the people who understand where their money is, what it’s doing, and how to make it grow intentionally. I also talk about:🤑Why “del dinero no se habla” keeps marginalized communities financially stuck 🤑How big banks and financial shame profit off your avoidance 🤑Why building wealth as a marginalized person is not greedy, it’s protective 🤑How my clients go from scattered and anxious about money to finally feeling calm and intentional This episode is for anyone who: 🤑Feels guilty wanting financial security 🤑Has avoided investing because it feels overwhelming or “too capitalist” 🤑Feels behind with money and doesn’t know where to start 🤑Wants to build wealth without becoming a finance bro stereotype Work With Me If you're LGBTQ+, BIPOC, first-gen, immigrant, or neurodivergent and you’re ready to stop feeling ashamed about money and finally get intentional with your finances, I help you do exactly that inside my six-month one-on-one coaching. Together, we organize your cash, optimize your credit, and build an investment strategy that helps you grow wealth without burnout or shame. And if you want a taste of what coaching is like, I’m teaching a FREE live webinar on May 27th all about where your money should actually be sitting and how to make it grow. There will NOT be a replay, so you have to join live. You can sign up for the webinar, book a sales call for 6 month coaching, , or join my “Dom Your Dinero” email list here: https://linktr.ee/travelercharly

    25 min

  2. Apr 30

    145. Cómo Manejar Tu Dinero en Tiempos Caóticos

    El mundo se siente caótico. La economía cambia cada semana, hay miedo político, incertidumbre laboral, inflación, y muchas personas sienten que no importa cuánto trabajen… nunca terminan de sentirse seguras con su dinero. Pero vivir con miedo no puede ser tu estrategia financiera. En este episodio, te comparto cómo he manejado mi propio dinero durante meses de ingresos inconstantes, volatilidad en la bolsa, ventas lentas en mi negocio, y noticias mundiales que generan ansiedad. Porque aunque todo afuera se sienta inestable, sí es posible sentirte más en control de tu dinero. Te cuento cómo tomé decisiones intencionales con mis ahorros, mis inversiones, mis acciones, mis impuestos y mis ingresos para no entrar en pánico—y cómo este mismo trabajo es el que hago con mis clientes LGBTQ+, BIPOC, inmigrantes, first-gen y neurodivergentes. No se trata de esperar a que el mundo se calme. Se trata de aprender a manejar el dinero que ya tienes para que te sostenga en tiempos difíciles. En este episodio hablamos de: • cómo tomar decisiones financieras sin apanicarte• por qué tener miedo no puede seguir guiando tu dinero• cómo crear más seguridad financiera aunque tus ingresos suban y bajen Si últimamente sientes ansiedad con el dinero, con el gobierno, con la economía o con el futuro, este episodio te va a aterrizar. Trabaja Conmigo Si quieres ayuda práctica para crecer tu efectivo, mejorar tu aceso al crédito, entender tus inversiones y empezar a construir una jubilación fuerte sin esperar a ganar más dinero, te ayudo dentro de mi coaching privado de 6 meses. Trabajo con personas LGBTQ+, BIPOC, first-gen y neurodivergentes que están listas para dejar de sobrevivir y empezar a sentirse seguras con su dinero. Aprende mas de mi coaching e inscribete a mi newsletter aquí:https://linktr.ee/travelercharly

    1h 3m

  3. Apr 22

    144. How to Kick Inflation in the Face Without Waiting for a Raise

    You’ve been told to save more money to feel financially secure and to cut back on spending. But with inflation rising, saving and cutting back isn’t cutting it anymore. Your money is sitting in checking or savings accounts earning almost nothing while everything around you is getting more expensive. So even if you’re doing what you’re “supposed” to do, it can still feel like you’re falling behind. In this episode, I break down why saving money isn’t enough in this economy, and what to do instead if you want your money to actually grow. The goal isn’t to wait for a raise. It’s to make the money you already have work harder for you. I walk you through the shift my clients make when they stop avoiding their money and start giving every dollar a job. Instead of wondering where their money is going, they know exactly what it’s doing. Instead of letting their cash lose value to inflation, they move it into accounts that actually grow. Instead of feeling behind, they start seeing their money build momentum—without needing to make more first. And that’s where the real relief comes in. Not from earning more, but from finally feeling in control. In this episode, we cover: • Why saving money alone isn’t keeping up with inflation• Where your money might be losing value without you realizing it• How to start making your money work for you—right now If you’ve been waiting to make more money before getting your finances together, this episode will show you why you don’t have to wait—and what to do instead. Work With Me If you're LGBTQ+, BIPOC, or first-gen and you’re ready to stop avoiding your money and start building a six-figure retirement—even if you don’t make six figures—I help you do exactly that inside my six-month one-on-one money coaching. Together, we organize your accounts, optimize your credit, and teach you how to manage your own investments so every dollar is working toward your future—and you finally stop living paycheck-to-paycheck in your mind. To learn more about coaching and get my crush debt, retire early emails, click here :https://linktr.ee/travelercharly

    27 min

  4. Apr 15

    143. AI, the Economy, and ICE: How to Grow Your Money When Things Feel Scary

    AI is replacing jobs, and ICE raids and kidnappings are freaking you out. The economy feeling unstable because we have an unhinged president deciding to invade countries on random weekends.  Of COURSE you feel anxious about money and the state of the world! You’re wondering: Should I be saving more? Should I stop investing? Will the entire system crumble? In this episode, I break down what’s actually going on, and what to do with your money when everything feels scary. This isn’t random. The capitalist system we live in is doing EXACTLY what it wants to do: keep marginalized folks fearful. They WANT us to feel scared so that we don’t feel like financial liberation isn’t possible.  While everyone else is panicking about AI, ICE, and the economy, now is THE time to start organizing your  money, move  cash to the right places, and investing with intention. In this episode, I walk you through how to: • stop freezing when things feel unstable • optimize the money you already have • start building wealth without waiting for things to calm down If you’ve been feeling behind, overwhelmed, or unsure what to do next, this episode will show you exactly where to start. If you’re ready to stop guessing and actually see what your money is doing, I invite you to learn about my 6 month coaching. I help you boost your cash, credit, and investments so that you can confidently save for retirement, no matter what’s going on in the world. There will always be something going on, but it’s up to you to decide how you respond.  BONUS: Booking for 1 hour money makeovers closes April 22 and spots are first come, first served. If you upgrade to 6 month coaching in April, you get the makeover for free! 👉 Explore coaching and get my crush debt, retire early emails here: https://linktr.ee/travelercharly

    45 min

  5. Apr 8

    142. Trump’s Nuke Threats to Ceasefire: Recover the 5K–100K You’re Losing to Money Fear

    With all the nuke threats, threats to trans rights, political chaos and daily news headlines, we are in STRESSFULL times.  And even if you’re not thinking about it directly, your body is. Your nervous system is on edge. You feel like you need to “wait and see.” You stop making moves with your money. That fear is exactly what this regime wants. They WANT you to feel scared and stuck, and it's costing you $5K–$100K+ every year in lost growth, missed opportunities, and money sitting in the wrong places. When things feel unstable, you stop creating, stop advocating for yourself, and stop wanting to feel the expansiveness wealth brings. Your cash stays rotting in crappy checking and savings accounts, and your investments stay stagnant because you don’t understand how to really make them take off.  In this episode, I break down what’s actually happening when global instability (like Trump’s nuke threats and ceasefire headlines) impacts your financial behavior, and how to take your power back. Inside this episode, you’ll learn: • Why not optimizing your money NOW and waiting to make more is is costing you the most right now • How fear keeps your money sitting still while inflation keeps eating away at your savings • What to do with your cash, credit, and investments when things feel unstable This is about going from reactive to intentional, frozen to in control, stressed to clear—so your money keeps growing no matter what’s happening in the world. If you're LGBTQ+, BIPOC, first-gen, or neurospicy and you’re ready to stop losing money to stress and start making every dollar work for you, this is exactly what I help you do inside my 6-month one-on-one coaching. We organize your money so you know exactly where everything is, build a debt payoff and investing strategy that works together, boost your credit score (clients have seen 100+ point increases), and teach you how to manage your own investments with confidence—so you can stop feeling behind and start building a six-figure retirement even if you don’t make six figures. If you’re not ready for full coaching yet, start with a Money Makeover. BONUS: For a limited time only, I’m offering Money Leak Makeoever calls. In one hour, we audit your cash, debt, credit, and investments and identify $5K–$100K+ in annual money loss together. You’ll walk away knowing what’s costing you the most, what to fix first, and how much you’re losing by waiting. Your last day to book a money makeover is April 22. Spots are first come, first served into May. The longer you wait, the more you lose. To learn more about 6 month money coaching join my crush debt retire early emails, and grab a Money Makeover, click here:⁠⁠ https://linktr.ee/travelercharly⁠⁠ P.S. If you book 6-month coaching after your Money Makeover in April, you get the full $297 applied toward the $6,000 coaching investment. This is the fastest way to go from knowing what to do to actually having it done.

    46 min

  6. Apr 1

    141. How to Stop Living Paycheck-to-Paycheck in Your Mind

    You can be making good money and still feel broke AF, behind, anxious about your money not doing what it is supposed to, or like you STILL can't even relax. That’s what it means to live paycheck-to-paycheck in your mind, and it has nothing to do with your income.In this episode, I break down why so many LGBTQ+, BIPOC, first-gen, and neurodivergent folks are earning more than ever, but still feel financially unstable, and what actually needs to change so you can feel calm and in control of your money.Because the problem isn’t that you’re not making enough.It’s that your money doesn’t have a job yet.When your money is scattered in a bunch of random accounts, sitting in low-interest savings, or invested in funds you don’t understand, your brain stays in survival mode, even if you technically “have enough.”That’s why you keep thinking things like:“I should be doing better by now.”“I just need to make more money.”“I can’t slow down yet—it’s not safe.”In this episode, I walk you through the shifts to make when they stop obsessing over earning more and start directing what you already have.You’ll hear how my clients go from:Constantly thinking about money → to feeling calm and clear Avoiding their accounts → to knowing exactly what every dollar is doing Feeling behind → to actually seeing their money grow Once every dollar has a purpose, your money starts working for you—and your nervous system finally gets to relax.We’ll cover:Why a higher income doesn’t automatically make you feel financially secureThe real reason you can’t “relax” yet—even if you’re making more than everHow giving your money direction changes your retirement timeline and your mental healthIf you’ve been making money but still feel stuck, stressed, or behind… this episode shows you what’s actually missing, and what to do about it.Work With Me: 6 Month Money CoachingIf you're LGBTQ+, BIPOC, first-gen, or neurodivergent and you’re ready to stop living paycheck-to-paycheck in your mind, my coaching is the solution.Inside my 6-month 1:1 money coaching, we:Organize your accounts so you know exactly what’s whereCreate a debt payoff plan that actually works for your brainBoost your credit score (clients have seen 100+ point jumps)Set up and manage your own investments (no fancy finance bro required)Give every dollar a purpose so you feel financially safe now and in retirementYou don’t need to pay off all your debt first.You don’t need to “understand” investing before you start.That’s what we do together—live, on calls, step-by-step.Investment: $6,000 paid in full or 2 payments of $3,100.I have 2 coaching spots open for April.Book your sales call and start 6-month 1:1 money coaching:https://unicornmillionaire.com/lgbtq-bipoc-financial-coaching/Get my Crush Debt, Retire Early emails here:https://www.subscribepage.com/rothfreak

    44 min

  7. Mar 12

    140. Stop Waiting for a Raise: Build a Six-Figure Retirement With the Money You Already Have

    Waiting for a raise is one of the biggest things slowing down your retirement timeline. In this episode, I break down how one of my clients stopped waiting for more income and started building toward early retirement by optimizing the money they ALREADY have. When they first came to me, they were doing “okay” with money. They had income, a credit card, bank accounts, and a 401(k) from an old job. But that retirement account was just sitting there in cash, losing value to inflation every single day instead of growing. They also weren't making as much in interest as they could be in the right accounts to make their accessible cash grow for daily expenses. Instead of waiting to make more money, we immediately gave their existing money a boost. We rolled over that dormant 401(k), injected life into it and moved it into investments designed to actually grow. We opened accounts to make them more passive income. Now, they know exactly where their money is and what it’s doing without wondering how they're doing compared to everyone else, and now they have the tools to retire early without depending on just one job. No more money sitting in accounts slowly losing value. Instead, their money now has direction, and the potential to multiply over time so work becomes optional, not mandatory. This is the shift I help my clients make all the time. Wealth doesn’t come from waiting until you make more money. It comes from directing the money you already have so it can start compounding while you sleep. In this episode, we talk about: • The exact questions to ask when comparing investment options so you stop feeling overwhelmed• How to know if your old 401(k) is worth rolling over (and when to leave it alone)• Why small moves now create exponentially bigger outcomes later If you’ve been telling yourself you’ll start investing “once you make more,” this episode will change yo mind. The longer you wait, the more time your money loses the chance to grow. If you're LGBTQ+, BIPOC, or first-gen and ready to crush debt, boost your credit score, and start building a six-figure retirement, even if you don’t make six figures, I help you do exactly that inside my six-month one-on-one money coaching. Together we organize your accounts, optimize your credit, and teach you how to manage your own investments with confidence so every dollar has a purpose and you finally stop living paycheck-to-paycheck in your mind. Every month you wait is another month your money sits in the wrong accounts instead of compounding toward your retirement. I currently have 2 spots open in March. Book a call to start one-on-one coaching here.

    49 min

  8. Mar 4

    139. How To Sell Stock and Still Retire Early

    This week I decided to do something that makes a lot of investors deeply uncomfortable: I sold $5,000 of stock. In this episode, I walk you through exactly why I made that decision, the mental gymnastics that came up while I was doing it, and why selling stock doesn’t mean you’re messing up your retirement. So many people believe that once you invest, you’re never supposed to touch the money until decades later. But the truth is that selling stock can be part of a thoughtful wealth-building strategy when you understand which accounts to sell from, when it makes sense to sell, and how to do it without creating unnecessary taxes or panic. I share the real story behind selling $5,000 of VTI from my taxable brokerage account, how that investment grew by 71% over six years, and how I made the decision calmly and intentionally rather than panic-selling because of market volatility or world events. We talk about: • Why selling stock feels emotionally heavy for so many people• The difference between selling from a taxable brokerage account vs retirement accounts• How I decide when selling stock makes sense• Why long-term investing gives you more flexibility than people realize• The mindset coaching required to trust yourself with big money decisions• Why investing isn’t about hoarding money forever, it’s about building options for your life Selling stock doesn’t mean you’ve failed at investing. It means your investments are doing what they’re supposed to do: growing and giving you choices. If you’ve ever felt like: • You’re scared to sell investments because you might ruin your retirement• You log into your investment accounts and don’t actually understand what you own• You’ve been investing for years but still feel unsure about your decisions• You want to retire early but don’t know if you’re doing things “right” This episode is for you. If you want hands-on support understanding your investments, opening the right accounts, selling out of overpriced or underperforming funds, boosting your credit score, and building toward early retirement, you can learn more about my six-month one-on-one money coaching here. I help LGBTQ+, BIPOC, and first-gen folks crush confusion around money and start building a six-figure retirement, even without a six-figure salary. Get my crush debt, retire early emails here.

    40 min
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About

This personal finance podcast is hosted by @TravelerCharly, a nonbinary latinx money coach & DEI speaker. I help LGBTQ+, BIPOC, and first-gen professionals crush debt, boost credit scores, and build a six figure retirement—without needing a six-figure salary. Start 6 month private coaching, which includes biweekly calls, daily messaging support, and exclusive curriculum: https://calendly.com/travelercharly/clarity Join my email list: https://www.subscribepage.com/rothfreak Instagram: @Travelercharly Website: www.unicornmillionaire.com

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