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In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino is joined by Nathalia from @chapina.buildingwealth, a Guatemalan immigrant and first-generation wealth builder, who shares her journey of overcoming $18,000 in credit card debt and her transformation into a money coach.

Nathalia discusses the pivotal role of self-care in her life, the challenges of balancing work, family, and personal well-being, and the importance of establishing boundaries. She details how hiring Soledad as her self-care coach helped her reclaim joy, implement healthy habits, and improve her financial coaching practice.

Nathalia provides insights into the D.I.V.E.R.S.E. Self-care framework and shares practical tips for those struggling to find time for self-care amidst their busy lives.

00:00 Introduction to Wealth Para Todos

00:21 Meet Nathalia: A Financial Transformation

01:07 The Journey to Self-Care

02:21 Recognizing and Addressing Burnout

07:27 The Impact of Self-Care on Financial Coaching

11:21 Implementing Self-Care Practices

15:25 Balancing Work, Family, and Self-Care

17:54 Choosing the Right Coaching Program

20:17 Conclusion and Final Thoughts

In this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino breaks down the concept of financial capacity and its impact on relationships. They discuss why some individuals struggle to engage in financial planning and how chronic stress, money trauma, mental health, grief, shame, and overstimulation can affect one's capacity to handle financial matters.

Soledad provides practical tips for the partner managing finances to cope without becoming resentful and emphasizes the importance of mutual consent, simplified financial systems, and external support. Join the Wealth Para Todos Academy Waitlist for more personalized guidance.

00:00 Introduction to Wealth Para Todos

00:58 Understanding Capacity in Financial Planning

03:44 Impact of Chronic Stress and Burnout

05:38 Money Trauma and Its Effects

07:06 Mental Health and Neurodivergence

09:02 The Role of Grief in Financial Capacity

10:48 Shame and Self-Protection

12:02 Overstimulation and Decision Fatigue

13:53 Managing Finances in a Relationship

17:53 Tips for Coping Without Resentment

23:53 Conclusion and Invitation to Wealth Para Todos Academy

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In this episode of Wealth Para Todos Podcast, host Rita-Soledad Fernandez Paulino delves into the intricacies of Index Universal Life Insurance (IUL) policies.

Soledad explains what IULs are, why they are marketed as tax-free retirement solutions, and who they might be suitable for. They discuss the high fees, limited growth, and complexities involved with IULs, highlighting the emotional tactics used to sell these products. Soledad also provides guidance on alternative wealth-building tools like Roth IRAs and emphasizes the importance of financial literacy and being wary of fear-based financial decisions.

If you're considering an IUL or already have one, the podcast offers practical advice on managing these policies effectively.

00:00 Introduction to Wealth Para Todos Podcast

01:01 Understanding Index Universal Life Insurance (IUL)

02:12 Why IULs are Popular in Certain Communities

02:54 The Financial Incentives Behind Selling IULs

04:16 The Emotional Appeal of IULs

06:25 The Hidden Costs and Risks of IULs

10:03 When an IUL Might Make Sense

11:05 Alternatives to IULs

13:43 Personal Experiences and Final Thoughts

16:29 Conclusion and Next Episode Preview