Latina Investors

Andrea Ramos
  • 5.0 (21)
  • EDUCATION
  • UPDATED WEEKLY

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

  1. 3D AGO

    169. Credit Scores + That One Time I Got Sent To Collections

    Have you ever felt the anxiety of discovering a collection on your credit report? Join me as I walk you through my eye-opening journey of navigating a surprise bill sent to collections, and the lessons learned about maintaining a healthy credit score. For first-gen WOC, understanding credit is crucial, yet often overwhelming. Let's demystify the process and empower you with the practical steps to take charge of your financial health. In this episode, you’ll learn: ✅ How to pull and understand your credit report to ensure all information is accurate and belongs to you. ✅ Steps to take if you find unexpected charges or collections impacting your credit score. ✅ Tips for proactively managing your credit to build confidence and security for your financial future. . . . Let's stay connected: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

    27 min

  2. MAR 5

    167. How to Confidently Navigate Your First 401k Setup

    Navigating your first 401 (k) can feel like uncharted territory, especially when you're the first in your family to secure a salaried position with benefits. As first-gen WOC, many of us have not been exposed to conversations about a 401 (k), employer matches, or retirement planning. It's a lot, but here's the good news: you don't have to do it alone. Join me as we break down the essentials of setting up your 401 (k), so you can confidently put your money to work and secure your future. In this episode, I’ll guide you through the basics of a 401 (k) and why it's a game-changer for your financial journey. Together, we'll explore the importance of employer matches and how they can instantly double your investment. No more hesitation—let's get your retirement savings on track today. As you listen, you’ll learn: ✅ The difference between traditional and Roth 401 (k) and which might be right for you ✅ How to set up your 401 (k) to take full advantage of employer matches ✅ Simple steps to start investing with confidence and avoid costly delays . . . Let's stay connected: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

    29 min

  3. FEB 26

    166. Why You Should Become Financial Literate Before Getting Married

    In this episode we explore why becoming financially literate pre-marriage is a game-changer for first gen WOC. You'll learn how understanding your own money habits can empower you and set a solid foundation for your relationship. Whether you're flying solo or deeply committed, this conversation is your invitation to embrace financial independence and bring your best self to the table. In this episode, you’ll learn: ✅ The benefits of mastering money management before marriage ✅ How personal finance literacy empowers you in relationships ✅ Strategies to merge finances while honoring your financial perspective . . . Let's stay connected: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

    21 min

  4. FEB 19

    165. How Childhood Money Lessons Shape Our Money Mindset

    What you experienced in your childhood and the money lessons you heard can shape your money mindset In this episode, I’m sharing a childhood story that shaped how I viewed saving and spending, and how I had to unlearn the idea that “spending is bad” and “saving is good.” As first-gen WOC, so many of our money beliefs were formed through survival, scarcity, and subtle messages from our families.But at some point, we have to ask: What do I actually believe about money now? In this episode, you’ll learn: ✅ How early childhood messages shape your saving, spending, and investing habits ✅ Why first-gen women often swing between extreme frugality and spending eras ✅ How to build a healthy, empowered relationship with money that balances present joy and future security . . . Let's stay connected: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

    18 min

  5. FEB 18

    164. How Eva Paid Off $52K in Debt and Rebuilt Her Financial Life [1:1 Money Coaching Client Interview]

    What does financial freedom actually mean? In this episode, I’m sitting down with one of my 1:1 Money Coaching clients, Eva — a life coach who once identified as a “YOLO spender” and had a negative net worth of -$32,000 We talk about what it really looks like to go from financial chaos and shame… to calm, grounded confidence with money. And why it isn't about becoming cheap or restrictive and instead, redefining freedom. She share her story of building safety, and learning how to trust herself with your finances & well as pass on better money lessons to her son. In this episode, you’ll learn: ✅ How Eva paid off $52,000 in debt and went from negative net worth to +$48,000 in one year ✅ Why “abundance” without a grounded plan can keep you stuck in financial stress ✅ How redefining freedom (from “I can buy whatever I want” to “I know I’m covered”) changes your entire relationship with money . . . Let's stay connected: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

    41 min

  6. FEB 12

    163. Interest Tolerance (And How It Can Break The Debt Cycle)

    Does the idea of paying interest make your skin crawl? In this episode, we’re diving into interest: what it is, why most of us were raised to avoid it at all costs, and how that mindset might be keeping you stuck in a never-ending debt cycle. We're breaking down why tolerating interest (for a little while) can actually help you build real financial safety and get ahead faster — without panic paying your credit card every payday or throwing money at debt. In this episode, you’ll learn: ✅ Why paying some interest on purpose can actually move you forward ✅ How to break the cycle of paying off credit cards and then needing them again ✅ The money strategy I teach clients to pause debt, grow savings, and reset their system Learn more about 1:1 money coaching here: https://www.buildinggenwealth.com/moneycoaching

    22 min

  7. FEB 5

    162. Savings First, Retirement Second, Debt Third

    What should you do first when you get a big chunk of money? In this episode, I walk you through my 3-step money prioritization method and the exact framework I teach my 1:1 clients when they get a bonus, settlement, tax refund, or any kind of windfall. We’re breaking down how to make your money work now and for your future self — without falling into the trap of panic-paying debt at the expense of your financial safety net. In this episode, you’ll learn: ✅ Why “saving first” protects you better than a $0 credit card balance ✅ How to prioritize retirement without ignoring debt ✅ Why throwing all your money at debt could leave you more vulnerable later Interested in 1:1 money coaching, book a call here.

    26 min

  8. JAN 29

    161. What do I invest in my Roth IRA? (3 Fund Portfolio)

    You opened a Roth IRA… but now what? In this episode, I’m breaking down exactly what to do after you open a Roth IRA — including how to actually buy investments inside of it (and why just funding the account isn’t enough). I’ll walk you through the process using a shopping analogy, introduce the 3-Fund Portfolio strategy, and help you avoid the biggest first-time investing mistakes I see. In this episode, you’ll learn: ✅ Why your Roth IRA won’t grow unless you buy investments ✅ How to use the “shopping cart method” to search for and purchase index funds ✅ What a 3-Fund Portfolio is and how it simplifies long-term investing Ready to set up a cash flow system that actually builds wealth? Learn more about 1:1 Money Coaching Want 2026 to be the year you start investing? Register for my free training — How to Build an Investing Portfolio as First Gen 👉🏽 https://calendly.com/buildinggenwealth/first-gen-training

    19 min
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Trailer

5
out of 5
21 Ratings

About

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

Information

  • Creator
    Andrea Ramos
  • Years Active
    2021 - 2026
  • Episodes
    175
  • Rating
    Clean
  • Copyright
    © Andrea Ramos
  • Show Website
    Latina Investors

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