Wealth Para Todos: Financial Security through Self-Care

Rita Soledad Fernandez Paulino
  • 5.0 (22)
  • Self-Improvement
  • Weekly

On this weekly podcast, I’ll teach you how to practice D.I.V.E.R.S.E. self-care daily, build financial literacy, review your finances with ease, and grow your income. Poco a poco, we’ll build financial security through self-care juntos!

  1. 3d ago

    #91: How to Make More Money Without Financial Anxiety or Burnout

    Can you make six figures in your business and still feel financially insecure? Absolutely. And sometimes, the pressure you're using to make more money is the very thing preventing you from enjoying your financial success. In this episode of Wealth Para Todos, host Rita Soledad Fernández Paulino (they/them), a queer Mexican-American money and self-care coach, shares how they built their first six-figure business using pressure, shame, and financial anxiety—and why they eventually had to change their approach. Soledad explains how financial anxiety can lead entrepreneurs to overwork, avoid marketing their services, struggle with work-life boundaries, and constantly worry about money, even when their finances are stable. You'll learn why feeling financially insecure isn't always the same as being financially insecure, how a weekly money routine can help you make more informed financial decisions, and how intentional self-care can support your capacity to grow a business without sacrificing your wellness. Soledad also introduces the SCORE Framework, a 90-day approach to increasing business income through financial goal-setting, strategic planning, consistent outreach, reflection, and evaluation. In This Episode, You'll Learn: Why pressure, shame, and anxiety can help you make more money but also contribute to business burnout. How to distinguish financial anxiety from actual financial problems by knowing your numbers. How physical, spiritual, and time-focused self-care can help you develop more patience, neutrality, and peace. Why patience isn't the same as avoidance when you're trying to increase your business income. How to set income goals, market your services consistently, and hold yourself accountable without relying on shame or urgency. Whether you're a first-generation entrepreneur, therapist, educator, consultant, or coach, this episode will help you rethink your relationship with money, financial success, and business growth. You deserve to increase your income, build wealth, and work toward early retirement without sacrificing your wellness. Poco a poco, todo con tiempo. Work With Soledad Ready to increase your income, build financial security, and create a plan to retire early? Through four-month, one-on-one financial coaching, Soledad helps first-generation business owners understand their finances, develop a positive money mindset, improve their financial literacy, and increase their income—all while practicing D.I.V.E.R.S.E. Self-Care. Apply for one-on-one coaching: https://calendly.com/talkdinero/learn-more-about-working-with-soledad  Subscribe to Todo Con Tiempo: https://mail.wealthparatodos.com/first-gen-business-owners  Join Soledad's email list for financial education, business growth strategies, and self-care practices created for first-gen business owners who want to build wealth without burning out. Episode Chapters 00:00 – Welcome to Wealth Para Todos 00:21 – How I Made Six Figures Using Financial Anxiety 01:08 – The Pressure to Succeed in My First Year of Business 02:42 – Feeling Financially Insecure vs. Being Financially Insecure 03:27 – How a Weekly Money Routine Helps Reduce Financial Uncertainty 04:51 – Physical Self-Care, Energy, and Business Growth 06:52 – Spiritual Self-Care: Developing Trust and Letting Go of Control 09:09 – Overcoming Time Scarcity and Financial Urgency 10:22 – Grief, Health Challenges, and the Zone of Resilience 12:38 – The SCORE Framework: How to Increase Business Income With Patience 14:57 – Financial Pressure vs. Accountability 16:58 – Five Lessons for Making More Money Without Burnout 18:09 – One-on-One Financial Coaching and Todo Con Tiempo 18:57 – Closing Thoughts and Disclaimer Connect with Soledad Website: www.wealthparatodos.com  Email: https://mail.wealthparatodos.com/first-gen-business-owners  Instagram: https://www.instagram.com/wealthparatodos LinkedIn: https://www.linkedin.com/in/wealthparatodos Threads: https://www.threads.com/@wealthparatodos

  2. Oct 25

    #90: How to Grow a Side Business While Working a 9-to-5 Without Burning Out (Nathalia's Story)

    Can you grow a successful side business while working a full-time job, raising a family, and still having time to enjoy your life? In this episode of Wealth Para Todos, money and self-care coach Rita Soledad Fernández Paulino welcomes back Natalia, a senior paralegal, financial coach, wife, and mom who is building a business alongside her 9-to-5 without sacrificing her wellness. Natalia loves her full-time job. It provides a steady paycheck, health insurance, retirement benefits, and a pension. But with a salary cap limiting her earning potential, she turned to entrepreneurship to increase her income, build financial security, and create more opportunities for her family. After experiencing burnout from trying to do everything herself, Natalia learned how to grow her financial coaching business by setting boundaries, delegating tasks, and focusing on revenue-generating activities that actually bring in clients. Together, Soledad and Natalia discuss what it takes to balance a full-time job and a side business, manage inconsistent business income, and redefine what business success looks like when your wellness is a priority. In this episode, you'll learn: How to start and grow a side business while keeping the financial security of your 9-to-5. Why you don't have to quit your full-time job to become a successful entrepreneur. How to manage business income that fluctuates from month to month. When to hire a virtual assistant and how to delegate without losing control of your business. Which revenue-generating activities have helped Natalia consistently attract coaching clients. How to set boundaries around your business hours to prevent burnout. Why growing your business doesn't have to mean working more hours, gaining more followers, or constantly scaling. How to stop comparing your business growth to entrepreneurs who work on their businesses full-time. Whether you're thinking about starting a side hustle or already balancing a 9-to-5 and a business, this conversation is a reminder that you can increase your income, build wealth, and pursue your entrepreneurial dreams con tiempo. You don't have to sacrifice your financial security or your wellness to build a business that supports the life you want. Episode Chapters 00:00 – Welcome to Wealth Para Todos00:21 – Meet Natalia: Returning to the Podcast00:53 – Balancing a 9-to-5, Business, and Family01:42 – How Natalia Started Her Financial Coaching Business02:52 – Why Keeping a Full-Time Job Provides Financial Security04:41 – Using a Side Business to Increase Income05:58 – Managing Business Cash Flow and Paying Yourself06:56 – Hiring a Virtual Assistant and Learning to Delegate10:07 – Business Hiring Mistakes and Lessons Learned13:05 – Setting Business Hours and Protecting Personal Time16:22 – Revenue-Generating Activities That Bring In Clients18:40 – Growing a Business Without Burnout or Workaholism20:54 – Advice for Starting a Business While Working Full-Time23:42 – Final Thoughts and Disclaimer Ready to become work-optional without sacrificing your wellness? Join me for a FREE webinar: Become Work Optional Without Sacrificing Your Wellness. I'm joining empowerment coach Jasmine from Liberated Wellness to discuss how you can start making intentional financial decisions that move you closer to financial independence and having more freedom over your time. Register for the free webinar here. Work with me: 1:1 money and self-care coaching I currently have two spots available for my four-month one-on-one coaching program. If you're earning money but want to be more intentional about saving, paying off debt, investing, or increasing your income, I'd love to support you. Together, we'll work on your financial plan, money mindset, self-care routines, and the systems that can help you increase your financial security without sacrificing your wellness. Book a discovery call here.  Connect with Soledad Website: www.wealthparatodos.com  Email: https://mail.wealthparatodos.com/first-gen-business-owners  Instagram: https://www.instagram.com/wealthparatodos LinkedIn: https://www.linkedin.com/in/wealthparatodos Threads: https://www.threads.com/@wealthparatodos

  3. Oct 18

    #89: I Made $100K but Only Paid Myself $10K: 5 Lessons From 5 Years in Business

    What happens when you build a six-figure business but barely pay yourself? In my first year running Wealth Para Todos, I generated $100,000 in revenue in approximately 10 months. But despite making six figures, I only paid myself about $10,500. Five years later, I've learned that building a profitable business and increasing your financial security requires more than making more money. In this episode, I'm sharing five of the biggest lessons I've learned from running my coaching business, from understanding business profitability and managing inconsistent income to creating marketing systems and setting boundaries that protect my wellness. If you're a first-gen business owner who wants to grow your business, make more money, and have time to actually enjoy your life, this episode is for you. In this episode, you'll learn: Why revenue isn't the same as profit: How I made six figures in business revenue but paid myself only $10,500, and what I learned about business expenses, paying yourself, and evaluating return on investment (ROI). How to create a work schedule that supports your life: Why I stopped letting financial scarcity dictate my availability and started building my business around a 20-hour workweek. Why consistent marketing matters: How I use repeatable outreach systems, social media, podcast interviews, and 90-day marketing cycles to help potential clients discover my services. How to manage inconsistent business income: What I've learned about navigating unpredictable revenue, managing money anxiety, and avoiding catastrophic thinking during slower sales periods. Why you need to stop comparing your business to others: How setting 90-day goals, embracing being a beginner, and focusing on your own progress can help you build a sustainable business. Episode timestamps 00:00 – Welcome to Wealth Para Todos 00:21 – Making six figures but barely paying myself 01:25 – How I started my money coaching business 03:10 – Lesson 1: Revenue vs. profitability and business ROI 06:05 – Lesson 2: Setting work boundaries and protecting your wellness 08:42 – Lesson 3: Building consistent marketing and outreach systems 11:12 – Lesson 4: Managing inconsistent income and money anxiety 14:32 – Lesson 5: Stop comparing yourself to other business owners 18:09 – Five entrepreneurship lessons to remember 19:09 – Free webinar and one-on-one financial coaching 20:57 – Disclaimer Ready to become work-optional without sacrificing your wellness? Join me for a FREE webinar: Become Work Optional Without Sacrificing Your Wellness. I'm joining empowerment coach Jasmine from Liberated Wellness to discuss how you can start making intentional financial decisions that move you closer to financial independence and having more freedom over your time. Register for the free webinar here. Work with me: 1:1 money and self-care coaching I currently have two spots available for my four-month one-on-one coaching program. If you're earning money but want to be more intentional about saving, paying off debt, investing, or increasing your income, I'd love to support you. Together, we'll work on your financial plan, money mindset, self-care routines, and the systems that can help you increase your financial security without sacrificing your wellness. Book a discovery call here.  Connect with Soledad Website: www.wealthparatodos.com  Email: https://mail.wealthparatodos.com/first-gen-business-owners  Instagram: https://www.instagram.com/wealthparatodos LinkedIn: https://www.linkedin.com/in/wealthparatodos Threads: https://www.threads.com/@wealthparatodos

  4. Oct 11

    #88: How Fed Interest Rates Affect Your Mortgage, Credit Cards, and Savings—and How to Prepare

    What do Federal Reserve interest rate changes mean for your mortgage, credit cards, and savings—and how can you prepare your finances? In this episode of the Wealth Para Todos Podcast, money and self-care coach Rita Soledad Fernández Paulino (they/them) explains why the Fed raises, lowers, or holds interest rates and how those decisions affect everyday borrowing and saving. Requested by a client, this conversation makes financial literacy accessible for first-gen wealth builders and business owners. Soledad also shares their homebuying experience, how paying mortgage discount points lowered their monthly payment, and the financial habits they prioritize instead of trying to predict interest rates. In this episode, you’ll learn: How the Federal Open Market Committee (FOMC) sets the federal funds target range at eight regularly scheduled meetings each year. How inflation and employment influence Federal Reserve rate decisions. How changing interest rates affect variable-rate credit cards, new auto loans, mortgage offers, and savings account yields. Why a Fed rate cut doesn’t guarantee lower mortgage rates—and why existing fixed-rate loans keep their contractual rate. How mortgage discount points work, including Soledad’s approximately $28,000 buydown from 7.23% to 5.999%, saving about $745 per month in principal and interest. How credit utilization, credit limits, and weekly credit-card payments can support your credit. Why emergency savings, sinking funds, automated investments, and a Weekly Money Routine help you build financial security con tiempo. Soledad reflects on growing their household’s investments and account balances to approximately $1 million, excluding home equity, and the role of income, contributions, investment growth, and consistent financial habits. Episode chapters 00:00 Welcome to Wealth Para Todos00:21 Why Federal Reserve Interest Rates Matter01:40 What Is the Federal Funds Rate?03:00 The Fed’s Goals: Employment and Inflation05:05 Why the Fed Raises or Lowers Interest Rates06:01 How Rates Affect Credit Cards, Loans, Mortgages, and Savings08:05 How I Knew I Was Ready to Buy a Home09:36 Mortgage Discount Points: Buying Down Our Interest Rate11:39 Preparing for Car Costs and Auto Loans12:50 Credit Scores, Credit Utilization, and Weekly Payments15:05 Building a Financial Plan Without Predicting Rates15:43 Financial Habits That Support Long-Term Wealth17:20 Five Financial Takeaways to Remember18:24 Coaching, Next Steps, and Disclaimer Keep building your financial security If this episode helped you, please rate and review the podcast and share it with someone preparing for a major purchase. First-gen business owners: join Soledad’s email list for conversations about growing your financial security without sacrificing your wellness. For personalized support, explore one-on-one money and self-care coaching and schedule a 45-minute discovery conversation.  Connect with Soledad Website: www.wealthparatodos.com  Email: https://mail.wealthparatodos.com/first-gen-business-owners  Instagram: https://www.instagram.com/wealthparatodos LinkedIn: https://www.linkedin.com/in/wealthparatodos Threads: https://www.threads.com/@wealthparatodos

  5. Oct 4

    #87: How to Build Financial Security as a Stay-at-Home Mom - Violeta's Story

    How can you build financial security as a stay-at-home mom when you’re not currently earning a paycheck? In this episode of Wealth Para Todos, host Rita Soledad Fernández Paulino (they/them), a queer Mexican-American money and self-care coach, talks with Wealth Para Todos Academy member Violeta Garcia about managing money, investing for retirement, and building financial security as a stay-at-home mom of three daughters. Violeta shares how becoming a stay-at-home mom challenged the way she thought about money and her contribution to her family. She discusses learning to recognize the financial value of unpaid labor, including childcare, cooking, and managing her family’s finances, while letting go of the belief that earning an income is the only way to contribute financially. Soledad and Violeta also discuss practical strategies for managing stay-at-home mom finances, including knowing your numbers, using sinking funds and emergency savings, automating household bills, having money conversations with your partner, and preparing for future expenses. Violeta also shares how she continues investing for retirement even though she is not currently employed. Through spousal IRA rules, she contributes to her Roth IRA using household earned income and invests for the long term using index funds and ETFs. As the first person in her family to have a Roth IRA, Violeta reflects on what it means to learn about investing and retirement as a first-generation wealth builder. They also talk about self-care, motherhood, financial partnership, and why building wealth can look different during seasons of caregiving. In this episode, you’ll learn: How a stay-at-home mom can contribute financially without earning a paycheck Why unpaid childcare and household labor have financial value How Violeta manages checking, savings, sinking funds, and emergency savings How couples can approach household finances as a partnership How stay-at-home spouses may be able to contribute to an IRA using spousal IRA rules How Violeta invests in her Roth IRA for long-term retirement goals What it’s like to be the first person in your family to invest through a Roth IRA How financial security and self-care can support each other during a season of caregiving If you’re a stay-at-home mom or parent wondering how to save, invest, prepare for retirement, or feel more financially secure without your own paycheck, this conversation is for you. Timestamps 00:00 — Welcome and Mission00:21 — Meet Violeta Garcia01:04 — Why She Renewed Wealth Para Todos Academy02:12 — Stay-at-Home Mom Mindset and the Value of Unpaid Labor05:19 — Knowing Your Numbers and Building Financial Security06:40 — Household Accounts, Savings, and Automated Bills08:36 — Money Dates, Partnership, and Shared Financial Values10:50 — Roth IRA and Spousal IRA Rules for Stay-at-Home Moms12:54 — Choosing Long-Term Investments13:33 — Becoming a First-Generation Investor14:16 — Self-Care as a Stay-at-Home Mom of Three16:47 — Podcast Education vs. Personalized Financial Coaching17:54 — Money, Motherhood, and Investing in Yourself19:36 — Wrap-Up and Disclaimer Connect with Soledad Website: www.wealthparatodos.com  Instagram: https://www.instagram.com/wealthparatodos LinkedIn: https://www.linkedin.com/in/wealthparatodos Threads: https://www.threads.com/@wealthparatodos  Join the Wealth Para Todos email community here.

  6. Sep 27

    #86: What to Do When Buying a Home Doesn’t Feel Like You Imagined

    You bought the house you worked so hard for. So why do you feel less financially secure? In this episode of Wealth Para Todos, host Rita Soledad Fernández Paulino (they/them), a queer Mexican-American money and self-care coach, shares what happened after they bought a $1.1 million fixer-upper in California. Before the purchase, Soledad was debt-free, at stage nine of financial security, and investing $32,500 a year toward early retirement. A $916,000 mortgage raised their monthly housing costs by about $2,000 and moved them to stage eight. The adjustment involved more than a new budget. Soledad shares how a wildfire evacuation days after moving in, grief, renovation delays, and feeling out of place in their new neighborhood affected their relationship with the home. It took about 15 months to adapt to a dream they had wanted for years. If you’re experiencing homebuyer’s regret or wondering how to rebuild savings after buying a house, this conversation will help you: Understand why homeownership can feel like a financial setback Review your new housing costs and monthly cash flow Plan for repairs with a home maintenance sinking fund Rebuild your savings one milestone at a time Make room for fear, grief, and gratitude while you adjust Chapters 00:00 Welcome to Wealth Para Todos00:21 Why buying a dream home can feel like going backward00:59 Family beliefs about homeownership and early saving02:18 Becoming debt-free and reaching stage nine03:29 The cost of buying a home in California05:29 Wildfire evacuation and homebuyer’s regret06:52 Grief, renovation delays, and feeling out of place08:08 A limpia and reconnecting with home09:30 Both-and thinking during a financial transition12:39 How to review your new homeownership costs and cash flow13:53 Rebuilding savings one milestone at a time16:16 Financial security after buying a house17:15 Rate or review the podcast Connect with Soledad Website: www.wealthparatodos.com  Instagram: https://www.instagram.com/wealthparatodos LinkedIn: https://www.linkedin.com/in/wealthparatodos Threads: https://www.threads.com/@wealthparatodos  Join the Wealth Para Todos email community here.

  7. Sep 20

    #85: How to Choose a Financial Professional: Financial Advisors, Brokers, CFPs, Money Coaches, Fees, and Red Flags

    How do you choose a financial professional—and what does the title “financial advisor” actually mean? In this episode, Rita Soledad Fernández Paulino, founder of Wealth Para Todos, explains how to find and vet a financial advisor as a first-gen wealth builder. They break down the differences between brokers, investment advisers, Certified Financial Planner™ professionals, and money coaches so you can determine which type of support fits your needs. You’ll learn: The difference between a broker and an investment adviser What fiduciary duty means and when it applies What a CFP® professional can—and cannot—do When to work with a financial planner versus a money coach How commissions, assets-under-management fees, and other compensation models can create conflicts of interest The difference between fee-only and fee-based financial professionals How to calculate the total cost of financial advice What to consider before working with an advisor through your employer or bank How to verify credentials, registrations, employment history, and disciplinary records Five questions to ask before hiring a financial professional Common financial advisor red flags to watch for Soledad recommends interviewing at least three professionals and independently researching every referral. A trusted friend, employer, or bank may introduce you to someone, but you still need to understand their qualifications, scope of services, compensation, and potential conflicts of interest. This episode also explores what first-gen wealth builders may need from a culturally responsive financial professional—including respect for family responsibilities, caregiving, financial trauma, wealth guilt, neurodivergence, and changing capacity. Enrollment for Wealth Para Todos Academy is open. Attend the open house on September 22 to explore the program, ask questions, and determine whether it is the right fit for you. Timestamps 00:00 Welcome and Mission00:21 What Does “Financial Advisor” Mean?01:25 Broker vs. Investment Adviser02:27 Fiduciary Duty Explained04:01 What Does a CFP® Professional Do?06:01 CFP® Professional vs. Money Coach07:10 The Scope and Limitations of Money Coaching09:13 Finding a Financial Professional Who Understands You11:02 Where to Find and Verify Financial Professionals12:03 Advisors Through Your Employer or Bank15:05 Financial Advisor Fees and Conflicts of Interest17:28 Five Questions to Ask Before Hiring an Advisor18:24 Financial Advisor Red Flags19:50 Key Takeaways20:36 Wealth Para Todos Academy Invitation21:29 Closing and Educational Disclaimer Disclaimer: This podcast is for educational and informational purposes only. It does not provide individualized investment, tax, insurance, or legal advice. Connect with Soledad Website: www.wealthparatodos.com  Instagram: https://www.instagram.com/wealthparatodos LinkedIn: https://www.linkedin.com/in/wealthparatodos Threads: https://www.threads.com/@wealthparatodos  Join the Wealth Para Todos email community here.

  8. Sep 13

    #84: How to Build a Self-Care Routine That Actually Changes Your Life

    What if self-care wasn’t just something you turned to when you were already overwhelmed? For years, I practiced mostly reactive self-care. I waited until my house was intolerably messy to clean it, until my body hurt to get a massage, until my marriage was struggling to communicate my needs, and until I was worried about my spending to pay attention to my dinero. Con tiempo, I realized I didn’t want to wait until something became a problem to take care of myself. In this episode of the Wealth Para Todos Podcast, I’m sharing how my understanding of self-care evolved from face masks and massages to the D.I.V.E.R.S.E. Self-Care framework I use today: dinero, interpersonal, vocational, emotional, restorative body, spiritual, and environmental self-care. We’ll talk about the difference between reactive and proactive self-care, how I use quarterly intentions, monthly outcomes, and daily practices to build self-care habits, and why some of the things that feel completely natural to me today once had to be written on a freaking checklist. I also break down the difference between comfort-oriented and growth-oriented self-care, how perfectionism can turn self-care into another thing you feel like you’re failing at, and why I now treat my self-care practices as data instead of something I need to do perfectly. Because self-care isn’t only about helping yourself feel better when you’re overwhelmed. It can also be a way to intentionally practice becoming the person you want to be—poco a poco. In this episode, you’ll learn: The seven types of D.I.V.E.R.S.E. Self-Care The difference between proactive and reactive self-care How to identify which type of self-care you need in your current season How I turn 90-day intentions into monthly experiments and daily habits The difference between comfort-oriented and growth-oriented self-care How self-care helped me change the way I show up as a parent, spouse, business owner, and person How to build a self-care routine without turning it into another perfectionist checklist Ready to stop starting over with money? Join me for my free webinar, How to Stop Starting Over With Money, on Tuesday, September 15th. I’ll help you figure out where you currently are in your financial security journey and what to focus on during the final months of 2026 so you can work toward saving, paying off debt, or investing $5,000 in 90 days. Immediately after the webinar, doors open to Wealth Para Todos Academy. If you know what you want to change with your money but want support actually following through, the Academy will help you build the financial planning skills, systems, habits, and self-care practices to do it. Register for How to Stop Starting Over With Money Here. Timestamps 00:00 Welcome to Wealth Para Todos00:21 How Self-Care Can Shape Who You Become01:26 Self-Care Is More Than Face Masks and Massages02:45 Anxiety, Caregiving, and Putting Yourself Last03:29 What Money Coaching Taught Me About Self-Care04:31 The 7 Types of D.I.V.E.R.S.E. Self-Care04:47 Reactive vs. Proactive Self-Care07:17 My 90-Day Self-Care Intentions08:29 Practicing the Person You Want to Become10:27 Comfort-Oriented vs. Growth-Oriented Self-Care11:37 When Perfectionism Takes Over Your Self-Care Routine13:35 Stay Cute and Curious: Self-Care Is Data14:00 How to Choose the Self-Care You Need Right Now15:02 How to Stop Starting Over With Money + WPT Academy16:01 Closing + Disclaimer Connect with Soledad Website: www.wealthparatodos.com  Instagram: https://www.instagram.com/wealthparatodos LinkedIn: https://www.linkedin.com/in/wealthparatodos Threads: https://www.threads.com/@wealthparatodos  Join the Wealth Para Todos email community here.

See All (92)

Trailer

5
out of 5
22 Ratings

About

On this weekly podcast, I’ll teach you how to practice D.I.V.E.R.S.E. self-care daily, build financial literacy, review your finances with ease, and grow your income. Poco a poco, we’ll build financial security through self-care juntos!

Information

You Might Also Like