We trace Paola’s near-fatal crash to a purpose-driven path in life insurance, unpacking term, whole, and IUL policies, living benefits, and how to align coverage with goals and seasons of life. We dig into underwriting realities, estate planning, and why intentional reviews protect families and legacies.

• vision boards as a tool for intentional planning
• the accident that sparked a shift to protection
• myth-busting life insurance and “scam” claims
• term vs whole vs IUL and living benefits
• how underwriting works and why honesty matters
• calculating coverage based on debt and dependents
• using IUL cash value for emergencies and retirement
• trusts, probate, and funding estate taxes
• building a fiduciary agency and client-first culture
• annual policy reviews tied to life changes

30-minute free discovery call

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We welcome Erica back to unpack the 2026 housing landscape, from realistic predictions to the mindset and tactics buyers and sellers actually need. We move from first deals and broker strategy to renting versus buying, tax-season pitfalls, and practical steps for self-employed listeners.

• vision board habits that set focus for the year
• moving from apartment industry to real estate agent
• exam prep, licensing and broker support
• first deals, vacant lots and a 17-offer listing
• referral-only model and client capacity
• 2026 outlook on inventory, pricing and builder incentives
• new construction quality concerns and design trade-offs
• renting versus buying framed by time horizon and cash flow
• equity building, biweekly payments and refinance optionality
• financial literacy, budgeting and planning for families
• tax-season advice for freelancers and subcontractors
• readiness checklist and where to reach Erica

Don’t forget to leave a review. If you’re in Georgia and want to buy or sell, reach out to EricaZ Real Estate. You can watch in 4K on YouTube and listen on Apple Podcasts, Spotify and Amazon Music. You can always support me by subscribing to the channel

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Holiday lights, real talk, and a fresh vision—that’s the vibe as we gather with Erika and Paola for a Spanglish conversation that blends culture, business, and purpose. We swap stories from the beauty, life insurance, and real estate worlds, mapping how systems turn hustle into sustainable growth. Think cash flow basics, budgets that actually guide choices, and SOPs that protect your time and your money. If you’ve ever built revenue without foundations, this chat offers a reset you can put to work before the new year hits.

Our brainstorm for their upcoming podcast is part fun, part strategy. Names like Tres Voces Y Un Sueño, Latinos Building Legacy, and Café, Cultura Y Cash Flow spark a bigger question: how do we design a show that teaches and uplifts while staying true to our roots? We outline a format that blends expert interviews, practical toolkits for first-time founders, and vulnerable stories about setbacks, leadership, and communication. The goal is simple—create a space where Latino entrepreneurs find clarity, courage, and community.

Faith shows up as a steady anchor. We talk fasting practices like the Daniel Fast, the calm that comes from ritual and reflection, and why purpose outlives metrics. It’s about service—giving haircuts to people in recovery, restoring dignity in small moments—and about choosing character when the comments get loud. We close with holiday traditions from El Salvador, Panama, and the Dominican Republic, vision boards that set intention, and a playful “would you rather” that keeps joy in the journey.

Enjoy the warmth, take the tools, and help name the new show. Subscribe, share with a friend who’s building something, and leave a review to tell us which title you’d pick and what topics you want next.

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