Latina Financial Education, Investing & Wealth Building: MoneyChisme

Violeta Sandoval
  • 5.0 (4)
  • ENTREPRENEURSHIP
  • UPDATED WEEKLY

Welcome to Money Chisme, the go-to show for Latinas ready to take control of their financial future! Whether you're learning about investing for beginners, building generational wealth, or launching a side hustle, this podcast is designed to empower our comunidad with the tools and strategies to thrive. I break down the essentials of personal finance, real estate investing, and entrepreneurship in the Latina community, helping you grow your money while staying connected to your roots. My mission is to close the racial wealth gap by sharing relatable success stories, practical advice, and wealth-building tips tailored for Latinas. Whether you're dreaming of financial independence or growing your business, we’ve got you covered. Tune in, level up, and let’s build the future we deserve—together!

  1. 5D AGO

    122. Want to Retire Early? The 5 FIRE Strategies Explained (Financial Independence Guide)

    Share Your Thoughts! If the idea of retiring early sounds appealing but also completely unrealistic, this episode breaks down what financial independence can actually look like in real life — especially for first-gen Latinas balancing career goals, family responsibilities, and rising living costs. Violeta introduces the FIRE movement, which stands for Financial Independence, Retire Early. The core idea is simple: build enough investments so your money can cover your living expenses, giving you the freedom to work because you want to — not because you have to. But retiring early doesn’t always mean having millions in the bank or quitting work forever. In this episode, Violeta explains that there are five different types of FIRE strategies, each designed for different lifestyles, income levels, and goals. We break down how the 4% rule works and how to estimate your “FIRE number” — the amount you would need invested to generate enough income to cover your annual expenses. From there, Violeta walks through the different approaches to financial independence, from minimalist lifestyles to luxury retirements, as well as hybrid options that allow you to work part-time while your investments cover most of your expenses. This episode is a reminder that financial independence isn’t a one-size-fits-all formula. Whether your goal is to retire early, work less, or simply have the freedom to walk away from a job you don’t love, there are multiple paths to buying back your time. We cover: • What the FIRE movement is and how financial independence works • How to calculate your “FIRE number” using the 4% rule • The five different types of FIRE and how they compare • Why Lean FIRE focuses on minimizing expenses • How Fat FIRE allows for a more luxurious retirement lifestyle • What Barista FIRE is and why it offers flexibility with part-time work • How Coast FIRE relies on investing aggressively early in life • Why real estate can accelerate financial independence through cash flow • Important factors to consider like inflation, mortgages, and lifestyle changes This episode is a reminder that building wealth and creating financial freedom is a long-term journey. Even small steps today can move you closer to a future where your time truly belongs to you. Mentioned in this episode: Free 5-Day Rental Property Investing Crash Course Support the show Sign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneychisme.com/rental-property-bootcamp/ Start Investing with M1Finance Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    22 min

  2. MAR 10

    121. How the U.S.–Iran Conflict Could Affect Your Money (And How to Prepare)

    Share Your Thoughts! If the constant headlines about global conflict, rising gas prices, and market uncertainty have you wondering how it all impacts your finances, this episode breaks it down in a practical and grounded way. Violeta explains what’s currently happening with the military escalation between the United States and Iran can affect gas prices, inflation, the stock market, and even real estate. This episode focuses on how to respond financially during uncertain times. Violeta introduces a simple two-step framework: stabilize and optimize. First, strengthen your financial foundation by assessing your finances, building your emergency fund, managing debt, and making sure your situation is stable. Then, once you’re in a secure position, you can look for opportunities to continue investing and growing your wealth. We also talk about why markets tend to become volatile during global conflicts, and why long-term investing strategies tend to outperform short-term hype and trend chasing. For those interested in real estate investing, Violeta also shares how she’s adjusting her strategy in the current environment by running more conservative numbers, increasing cash reserves, and staying disciplined when evaluating deals. We cover: What’s happening with the U.S. and Iran and why it matters financiallyHow rising oil prices can impact inflation, gas, and everyday expensesWhy markets react to global conflictThe two-step strategy: stabilize your finances, then optimizeWhy long-term investing beats chasing trendsHow real estate investors can adjust their strategy during uncertain timesThis episode is a reminder that while global events are unpredictable, the way we manage our money doesn’t have to be. Staying calm, informed, and consistent with your financial strategy can help you navigate uncertainty without panic. Mentioned in this episode: More information about the Iran attacks Breakdown of the Strait of Hormuz and why it matters Episode about doing a financial reset and auditing your finances Open a high-yield savings account with Upgrade and get a $50 bonus Support the show Sign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneychisme.com/rental-property-bootcamp/ Start Investing with M1Finance Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    18 min

  3. FEB 24

    120. 5 Habits Wealthy People Practice Every Day (That Most People Ignore)

    Share Your Thoughts! If you want to build wealth, grow your opportunities, and become more intentional about the way you live and work — but you’re not sure what actually makes the biggest difference — this episode is for you. In this episode, we break down five powerful habits and mindset shifts that many successful and wealthy people consistently practice. After attending a real estate investing conference in Las Vegas, Violeta shares the most impactful lessons she heard from industry leaders and how she’s starting to apply them in her own life and business. This is a practical, honest conversation about what it really takes to move forward — not just learning information, but understanding yourself, managing your time and energy, and creating systems that support your goals. Because success isn’t just about what you know… it’s about how you show up consistently. We talk about why self-awareness is often the missing piece when people feel stuck, how poor time management quietly drains opportunities, and why learning to delegate and build systems can completely change your capacity. We also discuss how to protect your energy, stop trying to force people who aren’t ready to grow, and why life tends to give you more of what you actively engage with. This is a reflective and motivating conversation for anyone who wants to be more disciplined, more focused, and more aligned with the life they’re trying to build — especially if you feel like you know what to do but struggle to stay consistent. We cover: • Why understanding yourself is the foundation of success • How self-awareness helps you take effective action • Why time management is just as important as money management • The power of time blocking and intentional scheduling • How systems and delegation increase efficiency and freedom • Why protecting your energy matters more than you think • The idea that life gives you more of what you engage with • Why action and environment matter just as much as mindset • How to start implementing these habits in your daily life If you’ve been feeling stuck, overwhelmed, or inconsistent this episode offers a grounded and realistic framework for moving forward. You don’t need to change everything overnight. You just need to become more intentional about how you use your time, energy, and attention. Mentioned in this episode: Clifton’s TestIf this episode resonated with yo Support the show Sign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneychisme.com/rental-property-bootcamp/ Start Investing with M1Finance Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    20 min

  4. FEB 17

    119. How to Start Investing for Your Kids - Investment Accounts for Kids Explained

    Share Your Thoughts! If you’re a parent who wants to set your kids up for a more secure financial future but feels overwhelmed or unsure where to start, this episode is for you. In this episode, we break down why investing for your kids matters more than ever, especially in today’s economy, and how starting early can make a powerful difference over time. We talk through the most common investment account options available for kids, the pros and cons of each, and how to decide which one actually makes sense for your family and your goals. This is a judgment-free, practical conversation designed for parents, first-generation professionals, and Latinas who are learning about investing for the first time while also trying to do better for the next generation. You don’t need to be an expert or have everything figured out to get started. You just need clarity and a simple plan. We discuss why investing for your kids doesn’t mean you have to open every account or contribute huge amounts. It’s about understanding your options, choosing what aligns with your goals, and taking small, consistent steps that compound over time. You’ll learn how time in the market works in your child’s favor, how to keep things simple, and how to avoid common mistakes that can cause unnecessary stress. We cover: Why you should invest for your kidWhat is an UGMA account?What is an UTMA accountWhat is a 529 College Savings PlanWhat is a Roth IRA for kidsWhat is a Trump AccountHow to choose an investment account for your kidHow to start investing for your kidIf you’ve been wanting to invest for your kids but felt intimidated, behind, or unsure which path to take, this episode gives you a clear and compassionate framework to start. Even one small step can make a meaningful difference in your child’s future and help break cycles of financial stress and uncertainty. Mentioned in this episode: Info about the kiddy tax: https://www.irs.gov/taxtopics/tc553Open a Kid’s Investment Account with Fidelity - https://fidelity.app.link/e/2jr9fB2eUWbIf this episode was helpful, share it with another parent who might need it. Our community deserves access to this information, and the earlier we start these conversations, the more options we create for the next generation. Support the show Sign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneychisme.com/rental-property-bootcamp/ Start Investing with M1Finance Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    22 min

  5. FEB 10

    118. How to Talk About Money With Your Partner Without Conflict (Step-by-Step Guide)

    Share Your Thoughts! If talking about money with your partner feels uncomfortable, emotional, or like it could turn into an argument — this episode is for you. In this episode, we break down why money conversations in relationships feel so hard, what happens when couples avoid them, and how to start talking about finances in a way that builds trust instead of tension. This is a judgment-free, practical conversation designed to help you and your partner get aligned, reduce financial stress, and create a shared direction without shame or blame. This episode is especially for couples, first-generation professionals, and Latinas who were never shown how to communicate about money in a healthy, collaborative way — and are trying to figure it out together now. We talk about why financial alignment doesn’t mean identical habits or fully merged accounts — it means clarity, honesty, and shared goals. You’ll learn how to create a safe space for money conversations, how to approach your partner with compassion, and how to turn these talks into regular “money dates” that actually strengthen your relationship. We cover: Why money is one of the biggest sources of relationship stress — and how to change thatWhat financial alignment really means (and what it does NOT mean)How to start money conversations without triggering defensivenessWhy you should start with goals — not numbersDifferent ways couples can manage money together (joint, separate, hybrid)How to split expenses fairly based on incomeRules to follow during money talks to avoid blame, score-keeping, and shutdownsHow to create “money dates” to make financial check-ins easier and more effectiveIf you’ve been avoiding money conversations with your partner or feel nervous about bringing finances up, this episode will give you a clear, compassionate framework to start — so money becomes a tool for teamwork, not conflict. Mentioned in this episode: Money Monthly Planner (free budget + tracking template) Episodes on budgeting and creating a money plan Related episodes on financial anxiety and money mindset Mentioned in episode: Money Monthly Planner (free budget + tracking template)Episodes on budgeting and creating a money plan Support the show Sign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneychisme.com/rental-property-bootcamp/ Start Investing with M1Finance Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    23 min

  6. FEB 3

    117. Why You’re Not Hitting Your Money Goals (And How to Create a Money Plan That Actually Works)

    Share Your Thoughts! If you’ve ever wondered why you’re not getting any closer to your money goals — even though you have a decent job and you’re “doing the right things” — this episode is for you. In this episode, we break down why setting financial goals isn’t enough on its own and how creating a realistic, season-aligned money plan is the missing piece. This is a guilt-free, judgment-free conversation designed to help you figure out where you’re getting stuck, why past goals may not have worked, and how to create a clear roadmap that actually moves you forward. This episode is especially for first-generation professionals and Latinas who were never taught how to plan their money beyond “pay your bills, save what you can, and hope for the best.” We talk about how to assess your current financial reality, align your goals with your money season, and build a money plan that includes both strategy and mindset — because your thoughts around money matter just as much as the numbers. We cover: Why you can feel “stuck” financially even with a good incomeHow to identify what’s blocking you from reaching your money goalsHow to use the SMART goal framework to create achievable financial goalsWhat “perfectionism paralysis” is and how it keeps you stuckHow financial anxiety and avoidance impact your progressCommon limiting money beliefs many first-gen professionals and Latinas grow up withWhy a money plan is more than a budget — it’s a personalized roadmap for your lifeIf you’ve ever felt overwhelmed, discouraged, or frustrated by your financial goals, this episode will help you reframe your approach with compassion, clarity, and realism — so your money plan actually works with your life, not against it. Mentioned in episode: Financial Reset Workshop (Episode 115)Budgeting & Money Management (Episode 116)Related episodes on financial anxiety and money mindset (EP 54) & Support the show Sign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneychisme.com/rental-property-bootcamp/ Start Investing with M1Finance Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    24 min

  7. JAN 27

    116. How to Manage Your Money: 3 Budgeting Methods That Actually Work

    Share Your Thoughts! If you want to feel more in control of your money, it starts with having a system — not guessing, avoiding, or hoping it works itself out. In this episode, I break down what money management actually is, why tracking your money matters, and how choosing the right budgeting method can help you stop leaking money and start making intentional financial decisions. This is a practical, judgment-free breakdown designed especially for first-generation professionals and Latinas who were never taught how to manage money beyond “pay your bills and save what’s left.” I walk you through three common budgeting styles, who each one is best for, and how to choose the one that aligns with your current financial season — without feeling restricted or punished. We cover: Why tracking your money is important to reach your financial goalsWhat money management really isWhat budgeting is (and why it feels restrictive)What is the 50/30/20 budgetWhy zero-based budgeting is one of the most effective budgeting methodsWhat is a zero-based budgetWhy you need to give every dollar a jobWhat happens when you don’t plan for every dollar you makeWhat is the pay-yourself-first budgetWhich budget is the best for youIf budgeting has ever felt overwhelming, restrictive, or like a punishment, this episode will help you reframe it as a supportive tool — one that gives your money direction so it can work for you, not against you. Mentioned in episode: Monthly Budget & Yearly Money Tracker - Get the free tracker hereSupport the show Sign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneychisme.com/rental-property-bootcamp/ Start Investing with M1Finance Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    21 min

  8. JAN 20

    115. Financial Reset for 2026: Audit Your Money, Set Smarter Goals

    Share Your Thoughts! Before setting financial goals for 2026, it’s essential to audit your finances. This episode walks through a step-by-step, no-shame financial audit to help you see where your money actually went, understand your current numbers, and set realistic, aligned wealth-building goals. We cover: How to assess your current financial “vital signs” How to track and evaluate your debtUnderstanding your net worthHow to review your spending and create a realistic budget snapshotHow to identify your current financial season (stabilize, grow, or scale)How to set financial goals that actually align with your life and priorities in 2026This episode helps you break the cycle of repeating the same financial goals by slowing down, getting honest with your numbers, and building a solid foundation so your 2026 goals are intentional and achievable. Mentioned in episode: Monthly Money Plan & Yearly Tracker - Get the free tracker hereSupport the show Sign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneychisme.com/rental-property-bootcamp/ Start Investing with M1Finance Support/Apoya MoneyChisme Disclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice. *Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.

    36 min
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5
out of 5
4 Ratings

About

Welcome to Money Chisme, the go-to show for Latinas ready to take control of their financial future! Whether you're learning about investing for beginners, building generational wealth, or launching a side hustle, this podcast is designed to empower our comunidad with the tools and strategies to thrive. I break down the essentials of personal finance, real estate investing, and entrepreneurship in the Latina community, helping you grow your money while staying connected to your roots. My mission is to close the racial wealth gap by sharing relatable success stories, practical advice, and wealth-building tips tailored for Latinas. Whether you're dreaming of financial independence or growing your business, we’ve got you covered. Tune in, level up, and let’s build the future we deserve—together!

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