『Yo Quiero Dinero』のカバーアート

Yo Quiero Dinero

Yo Quiero Dinero

著者： Jannese Torres
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"This podcast will leave you feeling inspired to take a more proactive approach to your savings, earnings, & expenses." - BuzzFeed | Yo Quiero Dinero is an award-winning personal finance podcast that empowers listeners on topics like entrepreneurship, investing, financial independence & money mindset. Hosted by Jannese Torres, Latina money expert, award-winning author and serial entrepreneur. Known as “the swaggiest personal finance podcast", each week we drop episodes brimming with POC-friendly personal finance knowledge, served with sazón! Tune in for all the money lessons you never learned. Visit us at YoQuieroDineroPodcast.com.

Hosted on Acast. See acast.com/privacy for more information.

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  • She Went From Receptionist to Senior Leadership Without a Degree

    She Went From Receptionist to Senior Leadership Without a Degree
    2026/08/10
    This week on Yo Quiero Dinero, Jannese sits down with Jessica Rivera — proud Boricua, mom at 19, and 20-year corporate vet who climbed from receptionist to senior leadership without ever following the "traditional" path. Jessica is here to help us decode the psychology of corporate power, promotions, and why your work ethic alone will never be enough to get you promoted. This episode gets into the imposter syndrome that doesn't disappear even after you hit the title and the money, the moment Jessica realized she had to bet on herself, and why she believes women's emotions are a leadership superpower — not a liability. They also get into the messy, real stuff: crabs-in-a-barrel dynamics in the Latino community, boundaries with people who take shots at your success, and the one standard Jessica refuses to lower for herself.WE GET INTO: 01:21 – Becoming a mom at 19 and choosing grit over the traditional path03:26 – Being "the only" Latina in the room05:29 – Learning corporate chess: playing the game on her own terms07:12 – Imposter syndrome and the nitpicking that wears you down09:05 – From receptionist to sales: Jessica's career trajectory11:46 – The $50K retention bonus — and the promotion that never came17:33 – Betting on herself: leaving corporate to coach full-time21:23 – Building the BRAVE Method26:09 – Burnout as a "badge of honor"28:32 – Redefining success in the Latino community30:41 – Judgment, boundaries, and who gets to stay in your life33:57 – Confidence, courage, and owning your voice36:23 – Why women's emotions are a leadership superpower41:32 – Chasing who you're becoming, not just the goal45:16 – Living a full life: family, love, and what's next47:41 – Jessica's Puerto Rico retreat, resources, and the standard she refuses to lowerKEY TAKEAWAYS:→ Hard work and grit will get you far — but they won't get you promoted. Understanding the psychology of power and politics will.→ Imposter syndrome doesn't disappear once you hit the title or the money. It requires ongoing internal work.→ "Struggle culture" and "hustle culture" are not the same thing — and confusing the two keeps high achievers stuck.→ You have to be willing to lose people who can't handle your growth. That's not arrogance, that's a boundary.→ Chase who you're becoming, not the goal itself — the goal is just a byproduct.→ Women's emotions are a leadership superpower, not something to suppress to be taken seriously.CONNECT WITH JESSICA:Website: jessicarivera.co Instagram: https://www.instagram.com/jessicarivera.co/ LinkedIn: https://www.linkedin.com/in/jessicarivera/ TAKE THE NEXT STEP WITH YO QUIERO DINERO:📕 Get the book, Financially Lit!: https://financiallylitbook.com💸 Download the FREE Dinero Guide: https://courses.yoquierodineropodcast.com/💬 Book a free Money Call: https://yoquierodineropodcast.com/links/FOLLOW YO QUIERO DINERO:Instagram: https://www.instagram.com/yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastWebsite: https://yoquierodineropodcast.comThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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    56 分
  • We Bought Our First Fixer Upper: Real Numbers, Real Marriage Talk With My Husband

    We Bought Our First Fixer Upper: Real Numbers, Real Marriage Talk With My Husband
    2026/08/03

    Hola mi gente! This week I'm switching things up. My husband Ray is joining me in an actual whole ass podcast studio to talk about the real estate business we've started building: house flipping. We closed on our first fixer-upper here in Florida, in cash, and we're pulling back the curtain on why we did it, what the real numbers look like, and how we keep being business partners from turning into a threat to our marriage.


    WE GET INTO:


    00:00 Welcome to the studio: meet Ray

    02:03 Ray's construction background (his dad and grandfather taught him everything)

    09:41 Why they sold the Puerto Rico condo to fund this

    12:50 Finding the house: the comps, the negotiation, closing at $140K

    19:21 Inspection day: the good, the bad, and the roaches

    24:17 The full renovation scope, room by room

    34:04 The real numbers: budget, target sale price, profit margin

    38:59 How they split roles: the LLC, the credit card, the labor

    45:10 Keeping the flip from taking over the marriage

    47:44 Rapid fire: who's most likely to...

    51:27 Plan B if it doesn't sell

    54:42 Final thoughts: budgeting for the unexpected


    KEY TAKEAWAYS:


    → You don't need a mortgage to get started, but you do need liquidity and a plan for where that cash comes from

    → Comps are everything. Know what renovated properties are actually selling for before you fall in love with a "deal"

    → Budget for the worst case on every line item (roof, HVAC, electrical) so a surprise doesn't wreck your numbers

    → Permits exist because someone got hurt before you. Don't DIY the things that legally require one

    → When you're in business with your spouse, define your lanes clearly, money person and labor person, and stay in yours

    → Always have a Plan B (long-term rental, Airbnb) if the flip doesn't sell fast

    → The real ROI in this episode isn't the house, it's the years of money mindset work that made a six-figure cash purchase feel possible instead of terrifying


    TAKE THE NEXT STEP WITH YO QUIERO DINERO:


    📕 Get the book, Financially Lit!: https://financiallylitbook.com

    💸 Download the FREE Dinero Guide: https://courses.yoquierodineropodcast.com/

    💬 Book a free Money Call: https://yoquierodineropodcast.com/links/


    FOLLOW YO QUIERO DINERO:

    Instagram: https://www.instagram.com/yoquierodineropodcast

    YouTube: https://www.youtube.com/@yoquierodineropodcast

    TikTok: https://www.tiktok.com/@yoquierodineropodcast

    Website: https://yoquierodineropodcast.com


    This episode was recorded at Tampa Studio Collective (https://www.instagram.com/tampastudiocollective) and produced by Heart Centered Podcasting.

    Hosted on Acast. See acast.com/privacy for more information.
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    1 時間 6 分
  • Exactly How to Buy Real Estate in Puerto Rico with Krystal Vias of Buy the Block PR

    Exactly How to Buy Real Estate in Puerto Rico with Krystal Vias of Buy the Block PR
    2026/07/27
    This week we're picking up where we left off last week after I shared my own journey selling my condo in PR — and this time we're going deep on buying real estate on the island. I sat down with Krystal Vias, a proud Nuyorican and founder of Buy The Block PR, who's on a mission to reconnect la diáspora with Puerto Rico, one block at a time. Krystal didn't step foot on the island until she was 38 and that first trip changed everything. Now she's helping thousands of Boricuas navigate the confusing, often antiquated process of buying property back home, from finding trustworthy realtors to avoiding land scams. We get into the real talk: the identity crisis so many of us in the diaspora carry, conscious investing versus gentrification, and why speaking perfect Spanish is NOT a requirement for belonging. If you've ever thought about buying property on the island, this episode is your permission slip.WE GET INTO:00:00 – Intro: Welcome Krystal Viaz, founder of Buy The Block PR01:26 – Krystal's story: first trip to PR at 38 and falling in love with the island02:26 – Financial education roots + losing her brother-in-law to colon cancer04:49 – Why there's no Cash App or Zelle in PR (and why that's by design)06:44 – What Buy The Block PR actually offers07:40 – Krystal's podcast, By The Blockcast08:14 – Navigating identity: being "from here but also from there"10:34 – Dealing with backlash: "you're not really Puerto Rican"12:37 – Misconceptions about buying property (it's not just hopping on Zillow)13:44 – How to actually find listings on the island16:30 – Vetting real estate agents, lenders, and contractors18:43 – Common scams and red flags to watch for20:17 – The risks of buying land (inheritance issues, unpaved roads, protected land)22:27 – What you need financially before you start looking25:41 – Conscious investing vs. displacement and gentrification30:05 – Airbnb, tax incentives, and long-term rental income34:09 – Building remote income to fund the move37:24 – "Spanish shame" and the myth that fluency is required39:37 – Internal pressure vs. external validation of Latinidad41:25 – The history behind Puerto Rican migration policies43:41 – How to get involved with Buy The Block PR45:19 – Closing thoughts: ownership, privilege, and being about itKEY TAKEAWAYS:Puerto Rico doesn't have one central MLS like the mainland — off-market properties, Facebook groups, and word-of-mouth are huge parts of the processYou'll need a trusted, vetted local team (realtor, lawyer, mortgage broker) — and red flags include people who go dark on communicationLand purchases carry unique risks: unresolved inheritance issues, unpaved roads, no electrical/water access, and protected land you can't build onMainland buyers typically need a second-home loan (20% down) unless they can prove 2 years of remote or island-based incomeLong-term rental income in PR can be tax-free — a lesser-known incentive worth knowing aboutConscious investing means asking "how does this affect my neighbors and community?" — not just "what's my ROI?"Not speaking fluent Spanish does NOT disqualify you from reconnecting — the real barrier is internal permission, not languageCONNECT WITH KRYSTAL:Buy The Block PR Website: https://www.buytheblockpr.comBuy The Block PR Instagram: https://www.instagram.com/BuytheblockPRTAKE THE NEXT STEP WITH YO QUIERO DINERO:SALES WITHOUT SOCIAL BUNDLE: Get discovered and make sales in 30 days without posting on social media. LEARN MORE HERE.📕 Get the book, Financially Lit!: https://financiallylitbook.com 💸 Download the FREE Dinero Guide: https://courses.yoquierodineropodcast.com/ 💬 Book a free Money Call: https://yoquierodineropodcast.com/links/ FOLLOW JANNESE:Instagram: https://www.instagram.com/yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcast Hosted on Acast. See acast.com/privacy for more information.
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    52 分
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