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. 124. How to Get Out of Debt Fast (Without Hating Your Life)

    MAR 31

    124. How to Get Out of Debt Fast (Without Hating Your Life)

    Share Your Thoughts! If you’ve ever felt like you should be further ahead with money — even after earning more or having opportunities — this episode brings clarity to why that happens and how to move forward. Violeta sits down with Justin Brown-Woods, an accredited financial counselor who shares how he went from receiving a $600,000 inheritance to falling into over $220,000 of debt — and how he turned things around by paying off more than $130,000 in just 18 months. They dive into how lack of financial education, lifestyle inflation, and emotional habits can impact your finances, regardless of income. Justin also shares practical, realistic approaches to budgeting and debt payoff, including how to make budgeting feel less restrictive and more aligned with your values. The conversation also explores the emotional side of money — from shame and avoidance to how debt affects your mental health and relationships — and offers mindset shifts to help you move forward with more confidence and clarity. We cover:  • How lifestyle inflation can lead to debt — even with a large income or payout  • Why financial education matters more than how much you earn  • A more flexible, values-based approach to budgeting  • Practical strategies to stay consistent with your finances  • How to overcome shame and avoidance around money  • Different debt payoff methods and how to choose one  • Tips for navigating money conversations in relationships  • Why your financial situation does not define your worth This episode is a reminder that you’re not behind — you’re learning. And with the right tools and mindset, you can take back control of your finances. Mentioned in this episode: Haley and Justin Brown-Woods’ Financial Counseling 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.

    34 min

  2. MAR 24

    123. 10 Financial Truths That Will Change How You Think About Money

    Share Your Thoughts! If you’ve been doing all the “right” things with money — building a career, earning more, saving consistently — but still feel unsure about your financial future, this episode puts language to that feeling and shows you what might be missing. Violeta speaks directly to first-gen Latinas who are navigating money without a blueprint, balancing ambition, family responsibilities, and the pressure to “figure it out” on their own.  In this episode, Violeta breaks down 10 essential mindset shifts every Latina wealth builder needs to understand. From redefining what it actually means to be “good with money” to unpacking the emotional side of financial decisions, she highlights the gaps that traditional money advice often overlooks. She dives into the key difference between income and wealth, and why earning more doesn’t automatically translate to financial freedom. Instead, she emphasizes the importance of building assets — the things that continue to grow and generate income even when you’re not working. Most importantly, this episode is a reminder that wealth isn’t about status or luxury — it’s about freedom. The freedom to make choices, support your family, and live life on your own terms. We cover:  • Why feeling “behind” with money is more common than you think  • The difference between earning income and building true wealth  • Why many Latinas were taught survival money skills — not wealth strategies  • How your emotional relationship with money impacts your decisions  • Why perfectionism and overthinking can delay financial progress  • The power of starting before you feel fully ready  • How time and consistency build wealth more than hustle alone  • Why your network and environment shape your financial future  • The truth about wealth vs. status and lifestyle inflation  • How real estate can be used to build cash flow, equity, and long-term freedom  • Why generational wealth starts with one decision This episode is your reminder that you’re not behind — you’re just learning a new game. And the moment you start thinking differently about money, you open the door to building a future rooted in freedom, stability, and choice. Mentioned in this episode: Free 5-Day Rental Property Investing Crash Course Join the Real Estate Community for Latinas (Skool) 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. MAR 17

    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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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
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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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