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In our Money Month finale, Doree and Elise speak with Yo Quiero Dinero host Jannese Torres about savings, retirement, and investing — everything from how to find an accountant for your specific financial needs to why you have to be a part of the capitalist system in order to change it.
Mentioned in this Episode
To leave a voicemail or text for a future episode, reach them at 781-591-0390. You can also email the podcast at forever35podcast@gmail.com.
Visit forever35podcast.com for links to everything they mention on the show or shopmyshelf.us/forever35.
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In this episode, Jannese Torres chats with marketing strategist Kar Brulhart, who turned a COVID layoff into a major glow-up story. Kar went from corporate burnout to building her dream business on Instagram and she’s spilling all the tea on how she did it.
They get real about what it takes to show up online with confidence, why networking matters (even if it scares you!), and how to stop scrolling and start using social media to make money. Kar also breaks down her go-to strategies for building a personal brand, growing an audience, and using email marketing to boost sales. If you’ve ever doubted that you can start late, pivot careers, or make money being you, this one’s for you.
You’ll Learn:
💡 How Kar went from corporate life to full-time entrepreneurship after being laid off
💡 Why Instagram is still a powerful tool for business growth
💡 The secret to sharing your story and building trust with your audience
💡 How to network without feeling awkward or fake
💡 Tips for treating your social media presence like a real business
💡 Why email marketing is a must for long-term success
💡 How to stay consistent and show up even when you’re over it
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In this week's episode of Yo Quiero Dinero, host Jannese Torres sits down with Andrea Ramos, founder of Building Gen Wealth, to talk about her journey from a first-gen saver to a full-time entrepreneur and money coach. Born in Peru and raised in the U.S., Andrea shares how her parents’ example of hard work and quiet money lessons sparked her own path toward financial independence—and how a moment of family crisis led her to reimagine what building wealth truly means. Andrea opens up about the challenges of leaving her 9-to-5, becoming a mom, and redefining success on her own terms. From navigating variable income to healing generational scarcity mindsets, she reminds us that wealth isn’t just about numbers—it’s about peace, possibility, and purpose.
💡 You’ll Learn
[07:15] The turning point that changed how she viewed saving, wealth, and security
[09:00] Why representation matters in the personal finance space
[16:30] How she built Building Gen Wealth while working full-time
[20:30] The key lessons she learned transitioning from employee to entrepreneur
[23:30] The “third skill” of money everyone needs to master—how to make more of it
[25:50] Managing money as a business owner and paying yourself with discipline
[34:00] How motherhood reshaped her relationship with money and ambition
[37:20] The mindset and practical steps to go from saver to investor
[42:30] The importance of being a lifelong learner when it comes to money
🔑 Key Takeaways
📲 Connect With Andrea
Follow Andrea at @building.gen.wealth on Instagram for relatable financial education and visual breakdowns of investing, saving, and wealth-building.
❤️ Connect With Yo Quiero Dinero
Follow @YoQuieroDineroPodcast on Instagram and subscribe on YouTube for weekly money convos with Latinas who are owning their financial power.
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On this episode of Yo Quiero Dinero, Jannese chats with Norma Rapko, who proves that creativity and faith can change your life. Norma went from being a high school dropout battling anxiety and depression to becoming a multi-million dollar inventor, author, and creator of the revolutionary Crystiler tool—featured in 1,100+ Michael’s stores and on HSN!
Norma’s story is a masterclass in resilience, self-belief, and breaking cultural expectations. She opens up about growing up as a first-gen Mexican-American in L.A., overcoming mental health struggles, and learning how creativity can literally rewire your brain. We also talk about the power of networking, owning your story, and redefining what success looks like on your own terms.
This convo is your permission slip to chase your wildest ideas — even if no one else believes in them yet. 💡✨
✨ You’ll Learn:
[02:17] Growing up first-gen in L.A. — how Norma’s family business and work ethic shaped her entrepreneurial mindset
[04:40] Turning pain into purpose — how she faced anxiety, depression, and dropping out of high school and still built a new path
[07:03] From crafts to cash — how selling picture frames at a local fair led to $3K in one day and a nationwide business
[11:48] The birth of The Crystiler — how a tedious task became a million-dollar invention 💎
[13:29] “We’re all inventors” — why the best businesses are born from your personal problems
[14:38] Why creativity makes you uncontrollable (and why society tries to silence that power)
[17:33] How art and creativity can rewire your brain and support mental health, backed by neuroscience 🧠
[23:06] The divine $25K connection — how faith and community opened doors for her invention
[27:05] Norma’s real talk: nothing worthwhile happens overnight — consistency is key
[32:34] Networking for introverts — how to show up, give value, and attract the right people
[41:08] The power of storytelling and authenticity in connecting with your audience
[42:06] Only 2% of Latina inventors hold patents — and why Norma is on a mission to change that 🇲🇽
[45:08] Redefining success — what “enough” looks like when you build on your own terms
[53:39] Norma’s message to her younger self: “Love yourself, believe in yourself, and know it’ll all work out.” 💖
👉 Connect with Norma Rapko:
💌 If this episode lit a fire in you, share it with your comadres and tag us @YoQuieroDineroPodcast!
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In this powerful and deeply healing conversation, Jannese sits down with Priscilla María Gutierrez, a certified trauma-informed life coach and keynote speaker known online as The Cycle Breaker Coach. Together, they unpack what it really means to be a cycle breaker — especially as first-gen Latinas navigating cultural expectations, family pressure, and inherited trauma.
Priscilla opens up about her personal journey through childhood abuse, unhealthy relationships, and the moment she chose to reclaim her voice and purpose. She shares how she transformed her pain into her profession, helping others break free from toxic patterns and live authentically aligned lives. From healing your relationship with money to setting boundaries with family and unlearning generational beliefs — this episode is your reminder that it’s possible to break cycles and still love where you come from.
🔑 In This Episode, You’ll Learn:
🔗 Connect with Priscilla María:
📸 Instagram: @cyclebreakercoach
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In this powerful and eye-opening episode, we’re diving into one of the most avoided — yet absolutely essential — conversations in personal finance: estate planning. Host [Your Name] sits down with Alexandra Sepulveda, Head of Legal at Trust & Will, to break down the myths, cultural taboos, and emotional barriers that often keep us from preparing for the inevitable.
Alexandra shares her deeply personal journey that began after a close brush with tragedy in her own family — and how that experience ignited her passion for helping others protect their legacy. Together, they discuss how to start the conversation with loved ones, why estate planning isn’t just for the wealthy, and how digital tools like Trust & Will are breaking down barriers to make legacy planning more accessible than ever.
From defining what an “estate” really is (hint: it’s everything you own!) to understanding the difference between a will and a trust, this episode is your crash course in protecting your hard-earned assets and ensuring your loved ones are cared for — without the financial chaos.
💬 In This Episode, You’ll Learn:
[00:03:25] Why talking about death and money doesn’t have to be scary — it’s an act of love 💛
[00:08:10] How Alejandra’s family story inspired her mission to make estate planning accessible
[00:15:20] The difference between a will and a trust (and why you might need both)
[00:22:45] When to create or update your estate plan (hint: it’s sooner than you think!)
✨ Key Takeaways:
🛠️ Resources Mentioned:
💌 Let’s Keep the Conversation Going:
DM us or tag @YoQuieroDineroPodcast to share your estate planning journey! Your story could inspire someone else to take action.
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This week on Yo Quiero Dinero, Jannese sits down with Cristina Olivarez—award-winning visibility and leadership coach, TEDx speaker, and founder of The Social Butterfly Gal and Hustle + Socialize. Cristina shares her journey from chasing the “perfect” career path in broadcast journalism to building her own platforms that empower Latinas and women of color to step into visibility unapologetically.
From navigating rejection in traditional media to creating her own conference, Cristina opens up about the power of storytelling, embracing pivots in business, and how authenticity builds lasting leadership. If you’ve ever struggled with showing up online, owning your voice, or figuring out how to lead in your community, this episode will inspire you to embrace your visibility as a superpower.
What You’ll Hear in This Episode:
15:49 The “cookie-cutter” script many Latinas are given—and how Cristina rewrote it for herself.
23:52 Giving yourself permission to pivot in business and in life.
24:56 The origin story and impact of the Hustle + Socialize conference.
26:11 Why centering Latinas and women of color in business is both revolutionary and necessary.
28:45 Why visibility is more than marketing—it’s about legacy and leadership.
33:54 Practical first steps to start building your personal brand and showing up online.
Resources & Links:
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In this episode of Yo Quiero Dinero, host Jannese Torres sits down with Elena Gergis, the creator behind Made With Sazón, to talk about the journey from beauty blogging to becoming a viral Puerto Rican food content creator. Elena shares how rediscovering her cultural roots led to explosive growth online, why niching down matters, and how consistency pays off when building a brand. From her viral coquito recipe to monetizing her website and landing brand deals, Elena gives a real look into what it takes to grow as a solo creator while balancing motherhood and entrepreneurship. This conversation is full of practical lessons for anyone thinking about launching their own content brand.
What You’ll Hear in This Episode:
2:01 Elena’s transition from beauty and lifestyle blogging to food content
4:30 The power of embracing your culture and niche to stand out online
7:26 What it feels like to go viral—and how to prepare for it
13:30 Elena’s income streams: ads, brand partnerships, and social media monetization
21:13 What she's accomplished so far
24:34 What Inspired her to build on Youtube
26:21 How she structures her days as a mom and creator
35:00 The role of AI and automation tools in her business
37:46 Elena’s vision for the future—including cookbooks, TV appearances, and more
Resources & Links:
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In this week’s episode of Yo Quiero Dinero, Jannese sits down with economist, author, and changemaker Anna Gifty to unpack the hidden costs women of color face in every stage of life — what Anna calls “The Double Tax.”
From beauty standards and career hurdles to childbirth, caregiving, homeownership, and even retirement, Anna breaks down how racism and sexism compound to leave women of color overcharged and underpaid — and what we can do about it.
You’ll hear:
Anna reminds us that we’re not imagining the struggle, and we’re not alone in it. With empathy, community, and action, we can begin to dismantle the structures that hold us back.
📚 Grab your copy of Anna’s new book, The Double Tax: How Women of Color Are Overcharged and Underpaid, available September 16 wherever you buy books.
🔗 Follow Anna: Instagram | BlueSky | LinkedIn
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In this episode of the Yo Quiero Dinero Podcast, host Jannese Torres sits down with relationship coach, podcaster, and corporate baddie Karina F. Daves to talk about balancing it all—motherhood, marriage, and entrepreneurship—without losing yourself.
Karina shares how she built a six-figure business while working full-time, what it really takes to stop “doing it all,” and why outsourcing, building support systems, and setting boundaries are non-negotiable for women chasing big dreams. From navigating mom guilt and missed birthdays to strengthening her marriage and growing her platform to over 240K followers, Karina keeps it real about the messy, hard, and beautiful parts of pursuing purpose.
✨ What You’ll Learn in This Episode:
👩🏽💻 About Our Guest:
Karina F. Daves is a relationship expert and host who helps couples repair trust, improve intimacy, and rebuild strong partnerships. She’s also a mom of two, wife, and entrepreneur who’s passionate about helping women reclaim their time, energy, and confidence.
📲 Connect with Karina:
Instagram & TikTok → @karinafdaves
Website → https://www.karinafdaves.com/
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What happens when you do everything “right”—go to college, land the six-figure job, make your family proud—and still end up buried in debt, burned out, and feeling trapped? In this episode, Jannese sits down with Rose Han, a first-gen wealth builder, YouTuber, and now author of Add A Zero. Rose opens up about her journey from over $100K in student loan debt to becoming a self-made millionaire—and the mindset shifts, financial strategies, and rebellious choices that made it possible.
We talk about:
If you’ve ever felt stuck in debt, confused about money, or pressured to follow someone else’s script for success, this conversation is your permission slip to rewrite your financial story.
📘 Grab your copy of Add A Zero at addazero.com and get access to Rose’s bonus content.
📺 Follow Rose on YouTube and socials: @itsrosehan
Do you also want me to create a few alternative episode titles in the Yo Quiero Dinero style so you have options to choose from?
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let’s be real… so many of us are out here chasing success, burning ourselves out, and wondering why it still doesn’t feel like enough. 👀
In this episode, I’m chatting with Amina AlTai—executive coach, speaker, and author of The Ambition Trap: How to Stop Chasing and Start Living. Amina knows firsthand what it’s like to push so hard that your body literally can’t take it anymore. After a health crisis nearly landed her in organ failure at just 28 years old, she had to rethink EVERYTHING she thought she knew about success.
We’re diving deep into why hustle culture is toxic AF (especially for women, immigrants & people of color), how to recognize when your ambition is actually hurting you, and how to start building a version of success that doesn’t leave you depleted.
Sis, if you’ve ever felt guilty for resting, struggled with boundaries, or found yourself stuck in the cycle of “never enough,” this convo is your permission slip to stop grinding yourself into the ground and start living with more ease, joy & PURPOSE. ✨
What you’ll hear in this episode:
💡 Amina’s wake-up call that changed her definition of success
💡 The 5 core wounds that secretly drive our hustle
💡 The “ambition penalty” women & POC face in the workplace
💡 Why rest = productivity (yes, really!)
💡 How to shift from painful ambition → purposeful ambition
💡 Practical steps to set boundaries & honor your needs
Resources & Links:
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In this week’s episode,Jannese sits down with Diana Garcia, founder of Amigas y Dinero, to explore her personal journey from nonprofit work to becoming a full-time money coach helping Latinas rewrite their financial stories.
Diana shares how a pivotal decision during the pandemic, choosing not to return to a two-hour commute led her to create her own income, community, and career. She opens up about growing up in an immigrant household in LA, the scarcity mindset she witnessed, and her mission to help others build wealth from a place of joy, not sacrifice.
From saving $10,000 in under a year on a modest income, to helping clients break free from paycheck-to-paycheck cycles, Diana offers actionable insights for tackling debt, increasing income, and navigating the unique financial challenges first-gen families face. She also gets real about overcoming fear, advocating for yourself in the workplace, and having money conversations with your parents.
What You’ll Learn in This Episode:
More from YQD™:
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In this inspiring episode of Yo Quiero Dinero, host Jannese Torres sits down with Joyce Medeiros, co-founder of Investrio—a financial platform designed to help solopreneurs master both personal and business money management. From her beginnings as a first-gen immigrant working on Wall Street to taking the leap into the startup world, Joyce shares her journey of resilience, risk-taking, and purpose-driven innovation.
You’ll hear how she pivoted from a failed product launch to building a tool that simplifies finances through color-coded tracking, AI-powered support, and a thriving entrepreneur community. Joyce opens up about navigating the male-dominated finance world, securing funding as a Latina founder, and the sacrifices behind the startup grind. Whether you’re a budding entrepreneur or a seasoned business owner, this episode offers practical tips, hard-earned lessons, and a reminder that experimentation and a supportive community can be the keys to success.
What You’ll Learn in This Episode:
Resources & Links:
More from YQD™:
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Mi gente, today's episode is a WHOLE vibe. Jannese is joined by Wilmarie and Adriana—aka Investing Jevas—two baddies who hit financial independence before turning 30. Yes, you read that right. These women are out here building generational wealth, breaking cycles, and reclaiming their financial power—and now they’re bringing you the blueprint.
From navigating Puerto Rico's wild financial systems to shifting from scarcity to abundance, this episode is a powerful reminder that we deserve financial freedom too—not just the bros on Wall Street. 🗣️
If you’ve ever thought investing was only for the rich, white, or 65 and retired—think again. These jefas are showing up in arroz con habichuela realness to break it all down. Whether you’re in the U.S. or on the island, a 9-to-5 girly or a full-time hustler, this one is for YOU. 💸
Investing Jevas are personal finance educators who are on a mission to help Latinas achieve financial freedom—in Spanish, with culture, and with receipts. They offer one-on-one coaching and corporate webinars designed to simplify investing and close the wealth gap.
📲 Connect with them on Instagram: @investingjevas
More from YQD™:
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This week on Yo Quiero Dinero, Jannese is joined by the brilliant and unfiltered Eduek Brooks, a Canadian financial educator and founder of Two Sides of a Dime. Sis does not play when it comes to money — and in this episode, she gets real about how she paid off $47,000 of debt in just 20 months, turned her financial rock bottom into a thriving business, and created the Surplus Method — a roadmap that’s helping women all over reclaim their money power.
If you’ve ever felt like traditional personal finance advice wasn’t built with you in mind, this episode is your antidote. Eduek throws out the cookie-cutter advice and breaks down why building wealth as a woman of color requires a whole new approach — one rooted in mindset, community, and actual surplus (aka: MONEY LEFT OVER after your bills are paid!).
What We Cover:
Quote:
“Your income builds wealth, but your surplus is what gets you to your goals.”
👑 Meet Our Guest:
Eduek Brooks is a financial educator and the powerhouse behind Two Sides of a Dime. Through her membership community, Surplus Stack Society, she helps women ditch debt, build savings, and invest confidently — without sacrificing the joy of living. She’s not here to make you feel guilty about Starbucks. She’s here to help you stack, save, and spend with intention.
📲 Follow Eduek:
More from YQD™:
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In this episode, host Jannese Torres dives into the inspiring journey of Gabby, a 46-year-old teacher aiming to retire by 57. Discover how Gabby transformed her financial landscape by maxing out her 403B and Roth IRA, investing in index funds, and strategically planning her retirement. Jannese shares expert insights on optimizing contributions, understanding withdrawal strategies, and the importance of asset allocation as retirement approaches. Tune in to learn how you can take control of your financial future and make early retirement a reality.
Need help creating your financial freedom plan? Book Your Investor Power Hour Call
Want your question answered on the show? Ask your question here!
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This episode is your wake-up call, y’all. Jannese is joined by sales coach and multi-seven-figure entrepreneur Dielle Charon to talk all things money, mindset, and making bank as a woman of color. From ditching her underpaid 9-5 to building a thriving coaching empire, Dielle breaks down how to turn your skills into income, charge your worth, and stop playing small. This convo is packed with truth bombs, permission slips, and straight-up strategy.
💥 What We’re Talking About:
Connect with Dielle:
link to Dielle previous episode of YQD https://open.spotify.com/episode/0jcAI06rM3hRk1yux6iJe3?si=bmMYVgygRWe40WIryjDJJA
More from YQD™:
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In this episode of Yo Quiero Dinero, I'm tackling a listener's burning question about divorce and property ownership. Discover the pitfalls of verbal agreements, the importance of legal documentation, and strategies to protect your financial future. Don't let your ex-spouse cash in on your hard-earned equity!
Want your question answered on the show? Ask your question here!
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In this episode of Yo Quiero Dinero, we're diving into personal finance, entrepreneurship, and the unique money challenges faced by the Latino community with Mariel Amador, creator of Money For Mujeres and host of the Chinga Tu Money podcast. Discover how Mariel's journey from the classroom to financial empowerment coach is breaking barriers and transforming lives. Learn her top strategies for investing, overcoming financial fears, and building wealth as a Latina. Whether you're just starting your financial journey or looking to elevate your money game, this episode is packed with insights and motivation to help you become poderosa with your dinero. Tune in and get ready to transform your financial future! For the full episode show notes, visit our blog.
Watch the full interview on our YouTube channel! Subscribe here.
My book is officially available to buy in English and Español! Order Financially Lit! Today!
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Check out this YQD™ Sponsor:
BetterHelp—Professional support when you need it, at a fraction of the cost of in-person therapy. Get 10% off your first month with our sponsor: https://betterhelp.com/dinero.
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