Dear Reader, One of my clients came to me with plenty of money in savings. But none of it was working for her. Her dinero was sitting in a low-yield savings account, earning pennies, while she kept telling herself she’d “learn to invest someday.” She wanted to retire early—like, really early—but fear kept her frozen. She was investing just 6% of her income through her employer plan and had no idea how to bridge the gap between what she wanted and what she was actually doing. She didn’t need...
3 days ago • 1 min read
Dear Reader, I want to tell you about one of my clients — let’s call her Marisol. Marisol was about to celebrate a milestone birthday and had one dream: a solo trip to Greece. But she was also job hunting and worried about spending money she “should be saving.” Like so many of us, she was caught between two truths — wanting to enjoy her life and wanting to feel financially secure. When we started working together, I taught her how to leverage debt responsibly so she could celebrate without...
8 days ago • 1 min read
Dear Reader, Talking about money with your partner can feel intense. Maybe one of you gets anxious about dipping into savings while the other says, “It’s fine, we’ll rebuild it.” Maybe one of you feels confident investing, and the other calls it gambling. Or maybe one of you can tolerate debt, while the other feels ashamed for even having it. You’re not alone. Couples inside Wealth Para Todos Academy start in the exact same place—two people with different money stories, nervous systems, and...
10 days ago • 1 min read
Dear Reader, I know — you love your job. You don’t ever see yourself retiring early. So when you hear me talk about becoming work optional, it might not sound all that exciting. But here’s the thing: becoming work optional isn’t about never working again. It’s about never needing to work again. There’s a big difference between showing up because you want to and showing up because your bills demand it. Inside Wealth Para Todos Academy, I’ll teach you the 10 stages of financial security — a...
15 days ago • 1 min read
Dear Reader, You have every reason to quit. As a first-gen wealth builder, you can look at the instability around you—layoffs, political chaos, ICE raids, attacks on DEI—and think, “Now isn’t the time to want more.” Maybe you’ve convinced yourself it’s safer to stay where you are, to be grateful for what you already have. But if you’re honest with yourself, the desire is still there.You still dream of more—more stability, more income, more freedom.Not from anxiety, but from possibility. You...
2 months ago • 1 min read
Dear Reader, Some first-gen wealth builders are saving money but they’re not building financial security. They have cash sitting in savings, maybe a 401(k) through work, maybe a pension—but no clear strategy. That was exactly the case for my client, a 42-year-old six-figure earner who came to me saying: “I want to become work-optional as soon as possible.” They had two pensions, a 403(b), and tens of thousands saved—but no Roth IRA, no taxable brokerage account, no sinking funds, and no clear...
2 months ago • 2 min read
Dear Reader, I don’t want you to approach wealth building from a place of scarcity or urgency. I don’t want you to feel like the only way to stick to your financial goals is by putting pressure on yourself—by using fear or shame to force consistency when your body is asking for rest. Shame and fear can only take you so far, amor. When they’re running the show, you end up neglecting your wellness and eventually burning out. And when you burn out, you lose the capacity to stay in the...
2 months ago • 1 min read
Dear Reader, At some point in your financial journey, you are going to want to avoid opening your banking app or credit card statement because you already know you'll feel embarrassed. Many of my clients come to me saying, “I don’t even want to see what I’ve spent. I’ll feel ashamed.” They believe looking at their numbers will confirm their worst fears—that they’re “bad with money” or “too far behind” to ever invest. So they avoid the numbers, which only fuels more shame and keeps them from...
3 months ago • 1 min read
Dear Reader, Have you ever thought, “I’ll never be disciplined enough… organized enough… smart enough to build wealth”? That quiet belief—that you’re not enough—can feel heavier than the numbers in your bank account. This self-doubt doesn’t just live in your head. It shows up in action. You put off opening your Roth IRA. You avoid looking at your accounts. You start and stop money routines. Every “not enough” thought chips away at your confidence, leaving you stuck in the same financial spot....
3 months ago • 1 min read