Unicorn Millionaire Podcast

Will you stay in a toxic relationship with your checking/savings account and their trash interest rates, or will you open a high yield savings account? Join my high yield savings account class THIS TUESDAY the 30th to learn how high yield savings accounts can help you grow your cash & retire early!!

Listen to this episode to get an update on my two week solo trip throughout Mexico, as well as a detailed month by month breakdown of how much money I made, how much I didn't make each month, and exactly how I created it. Learn how I separate my personal and business finances to make my life easier. I also share how intentional I was about paying off almost $10,000 in business credit card debt. I destigmatize getting into debt to run your business because not all of us have a daddy like Jeff Bezos, who wrote him a check for $245k to start Amazon.

I'm so happy for y'all to listen in on this episode with one of my good friends and fellow nonbinary latinx money coach, Soledad, to talk all about how important self care is to your life and money journey. Listen to learn all about how we deserve to thrive, and to do that, Soledad explains their DIVERSE self care model.

Rita-Soledad Fernández Paulino is a Queer Mexican-American, former math teacher turned self-care & money coach. As the CEO of Wealth Para Todos Soledad is determined to make sure more BIPOC, women, and LGBTQ+ folk learn how to self-care themselves to financial independence so they can work because they want to, not because they have to.

Through their coaching programs, weekly email series, and engaging social media content on Instagram, Threads and LinkedIn, they teach people how to create and follow a financial plan that prioritizes self-care and puts them on track to becoming work optional. Fun fact: Soledad is allergic to Benadryl and cishetero patriarchal norms!

Listen to this episode to hear all about my queer latina client, Keli, and her massive money coaching transformations while working with me as her money coach. We not only focused on crushing her credit card debt and boosting her credit score, but we also worked on her better communicating her needs with loved ones and valuing her self care. She shares an exciting win that's all about how she is getting in touch with her spirituality!

We also celebrated these wins:
-Starting therapy
-Holding herself accountable for your self care
-Going to yoga, the chiropractor, and acupuncture. Dzayum!
-Going to the gym because she wanted to show up for HERSELF and not just a personal trainer
-Opening a high yield savings account to get more interest back
-Finding her dream apartment an moving in with her girlfriend

I break down the differences and similarities between Roth IRAs and Roth 401(k)s and why I love these investment accounts so much. I share how I started my investing journey and how I max out my Roth IRA each year as a low income earner because that's the only way I know I'll be able to retire early.

Roth IRAs and Roth 401(k)s use the money from your paycheck that has already been taxed, like the money that hits your high yield savings account from your paycheck every two weeks.

When you invest that money in a Roth, it grows TAX FREE. When you take that money out to fund your life during retirement, you won’t have to worry about paying taxes on it, because you already did that decades ago.

Investing in Roth investment accounts puts you on team tax-me-now-and-leave-me-the-f-alone in retirement. This sound like you?

1. Save your spot for my invest like a Roth FREAK class on 3/20 to learn more!

2. If you want to work with me to invest easily, book a clarity call to start 1:1 coaching.

El temazcal es un baño de vapor. Se ha utilizado en Mesoamérica desde hace milenios, con fines terapéuticos, higiénicos y rituales. En este episodio, les comparto como me fue a mi en esta “casa de vapor” (es la definicion del náhuatl: temaz – vapor, calli – casa). Comparto como me fue como persona trans y que aprendi de esta experiencia espiritual. Lo hice en Puerto Vallarta, Mexico.

This episode is all about why you should dump that checking account and u-haul it with your high yield savings accounts.

There's absolutely no reason to keep your cash/emergency fund in a checking account. Checking accounts have low interest rates. There's no reason to pay your credit cards from your checking accounts, either. High Yield Savings Accounts make your money grow more while you wait to pay your bills. The only drawback to high yield savings account vs checking accounts is that you can only withdraw 10x a month (for Ally at least). The easy fix? Open multiple, free high yield savings accounts instead so you don't get worried about the limit.
Every day matters when it comes to letting your cash grow, and the right account matters. Keep your emergency fund in a high yield savings account and pay your credit cards from them too, so your cash earns astronomically higher interest while it sits there.

To celebrate hitting 3,200 podcast downloads, I'm giving away a free money coaching call with me ($500 value)!

How to enter:

1. Review this podcast, Unicorn Millionaire, on Spotify or Apple podcasts (bonus points if you leave a written review, it can be as short as "great podcast"!)

Spoiler Alrert! We have drama, we have investing mistakes and wins, we have entrepreneurship lessons, and we have my commentary on gender themes that still play out from the 70s to today!

Listen to this episode to hear my take on the new Netflix show, Griselda, and what it can teach us about making money moves!

In this episode, I share how I'm on week two of microdosing 🍄 and taking an unexpected break from drinking! I decided to try microdosing for a month, which was a big change for me because my Virgo self has had the identity of being all or nothing for so long. Anyone who knows me knows I'm a lightweight. I don't even need to drink to twerk alone in public, but gimme 2 margaritas, I'ma go to bed!!

A big reason I stopped drinking at first was because the New Year's alcohol deals ended here in Puerto Vallarta. Then after day 2, I noticed I was having massive sugar cravings because my body had gotten used to the mezcalitas I'd bought with the 2 x 1 mezcal. And those piña coladas with that Flor de Caña rum that I drank in Nicaragua while in the Peace Corps. The withdrawals were a reminder that alcohol is heavily sugar. Oop!

I wasn't intending to have a dry January, but so far, that's what's happened, especially when I decided to try out microdosing. Not sure if not drinking is permanent, but so far, it's what's happened. I and my friends have also said that mushrooms curb alcohol cravings. Makes sense, since psilocybin has been used to treat alcohol use disorder. 

What's been hard/annoying has been dealing with social pressure from mostly bartenders to drink. "But you're on vacation!" one said to me. First, no I'm not, and second, I don't need to drink to enjoy a vacation.
I'd never really microdosed for so long and used to do pretty intense trips. My thought process was "why would you microdose when you can fix so much more with intense trips?" And then I realized they weren't "fixing" me how I thought they would. So, I thought, why don't I just microdose and see what happens? It's helped a lot with my anxiety and to stop overthinking. 

So far, I feel less internal noise and "worse case" thoughts.

I'm leaning more into my creativity outside of just art and realizing that creativity means more than drawing. It means doing things differently and exposing yourself to different people, environments, foods, places, and activities.

In the past 2 weeks, I've incorporated doing things differently and I'm showing you how simple it can be once you get started.

Rich people get into debt all the time. They just call it "leverage." Prince Harry had to borrow money to buy his house in Santa Barbara. The US Government is $34 trillion in debt. Debt isn't a bad thing, but spending time feeling guilty about it is. In this episode, I talk about to be strategic with debt and how it can actually help you grow you build wealth.

I share how I think about my debt as a business owner and how business credit card debt is a normal part of doing business. I also share how I help my clients pay off their debt, as well as when and if I choose to take on debt as a strategic move.

As a single income earner who has made $170k in sales since starting my business, I haven't come across any programs that focus specifically on how the f*ck to manage your business finances. Entrepreneurship is a great way to make more money and retire early, but managing your money can be overwhelming.

Join my Business Finances Con Confianza free class on Jan 18th to learn:

• How to manage your money like a CEO
• How I manage my business bank account and business credit cards
• How to be strategic with debt to grow your business
• How to prepare for taxes instead of getting sticker shock in April
• How to use your business to retire early

Time to leave them! One argument why people stay with them is that they feel like in person banks are "safer". In person banks aren't necessarily "safer" than online banks. Listen to this episode to learn about how Wells Fargo has physical branches and has horrible interest rates and scammed millions of people into creating fake accounts without their consent with the ghost accounts scandal.

Online banks like Ally give you way better interest rates because they pass off the savings of not having brick and mortar branches onto YOU. Same with the Charles Schwab debit card. They don't have ATMs, but I take out as much cash as I need every few days from any ATM all over the world and don't have to pay ATM or exchange fees.

Meanwhile, Bank of America has physical branches. I remember not knowing any better and using their debit card to get cash out and getting dinged when I didn't use a BOA ATM. And their interest rates were/are trash. Physical branches does NOT mean better or safer at all.

I help my clients rethink where they park their cash so that they get more money back in interest. Once you're smarter with your cash, you'll be smarter with investing for early retirement.

Happy New Year! Listen to this episode to hear all about the investing moves I am making to start the year off right. I share how much I'm investing already in my IRA, why it is urgent to max out your retirement accounts ASAP, and I bust some myths about investing so that you can retire sooner and work less.

Listen to this episode to learn how I navigated $60k in sales as a single income earner who traveled to 7 countries this year. I share how I navigated my business finances and marketing, and how I consistently paid myself while going through $0 months.

As someone who has invested over $30k in business coaching, I haven't come across any programs that focus specifically on how the f*ck to manage your business finances, which is why I share my journey. Entrepreneurship is a great way to make more money and retire early, but managing your money can be overwhelming, especially as a single income earner.

I love helping my clients learn:

• How to separate personal from business finances
• How I manage my business bank account and business credit cards
• How to be strategic with debt to grow your business

Listen to this episode if you're looking for help with getting started or with keeping up with your podcast. I share how I grew to nearly 3,000 downloads in a year and a half, and how I released 71 episodes imperfectly.

You don't need the fancy equipment. You need to believe that what you have to say is valuable enough over and over again.

I share tips for collaborating with other thought leaders, gaining reviews, and how to use your podcast to grow your business. I also share how to avoid burnout and keep up with your podcast in a sustainable way.

Ho ho hoax! The holiday season is upon us, and with it, there's always a rise in cyber crime because of holiday shopping. Listen to this episode to learn how to build and protect your credit score as well as how to check for fraud and report it to your credit card companies. I just got scammed and I tell you all about how I navigate getting a new credit card shipped to another country. Building your credit score and using credit cards strategically is all part of retiring early.

Listen to this episode to learn all about how to be intentional with your money instead of feeling dragged down and energetically drained from thinking about it.

I share how to be intentional with your money in terms of your numbers, saving, and investing, as well as in terms of having an unshakeable mindset on your path to financial independence.

I've grown my mailing list to about 500 people in 2 years and I wanted to share how I did it. Having a business is a great way to add extra income so you can reach financial independence sooner. Having a mailing list is a great way to market that business and let people know about your services! It's also a great way to bypass getting banned/blocked on social media and any social media outages that happen.

Listen to this episode to learn what to avoid, what platform to use, and to keep your followers ready to buy whatever service you offer.

Making more money won't automatically improve your money habits. Making more but not saving more? Listen to this episode from last year that I recorded to learn about how to avoid lifestyle creep. Lifestyle Creep is when you end up spending more on wants than needs when you make more money. It's something I help my clients avoid. I had a client who hired me as her money coach because she wanted to avoid lifestyle creep. Tbh, when she told me this, I had to Google "lifestyle Creep" before we met because I'm so used to investing extra money instead of buying things 🤣. But then I realized that I, too, have fallen prey to it and it's okay because now I'm more intentional. While working together, She made serious moves and even bought a freaking house as in on track to retire early!! She made more than I did but most of my clients make more than I do! I love helping them move past the guilt of making more money than ever and turn that into action. I love helping my clients retire early. 🏳️‍🌈🦄💵 Join me, your twerking money coach, for my free PERREO TO PROFIT: INTRO TO STOCK PICKING CLASS on Thursday, 10/26! 💰🎉 🔑

Listen to this episode to learn how I went from having a crappy Bank of America cash back card and no credit to growing my credit score to 808. I share how opening credit cards is good for your credit score and how opening 5 cards a year boosted my credit score. Once you understand the credit cards game, it's easier to see them as an investment in your future. Having an 800 credit score is part of retiring early because it can help you get access to better interest rates on loans like mortgages, saving you tens of thousands of dollars over time. And when you can save money, you can grow it instead!

This personal finance podcast is by nonbinary latinx money coach and digital nomad @TravelerCharly. This anticapitalist space is for first gen folks who want to embody their future millionaire selves and build wealth for themselves and their communities.

In this episode, I talk with health coach Samantha Lee about deprogramming all the unhealthy generational wounds we've inherited when it comes to eating and money. We break down inherited food scarcity how that often applies to money too, especially when you grow up first gen. Budgeting can often feel unsustainable and overwhelming like a diet, and we're here to tell you that it doesn't have to be this way. We've been guilted into thinking that ethnic foods aren't healthy and that the white, unflavored way of eating is the healthy way. Guess what? You don't have to eat chicken breast and broccoli be healthy.

Samantha Lee is a Hmong-American, the eldest daughter of refugee/immigrant parents, a speaker, and a health coach that helps women of color (WOC) lose weight and break out of following racist diet culture rules.

Her work was inspired by her 10-year health journey where she felt the need to strip her cultural identity to fit into society's standard of "white healthy". Samantha's mission is to voice the cultural differences in the health/fitness industry so WOC can take control of their bodies by eating the foods from their background without shame. She is a WOC stop dieting expert and a health advocate for her community.

In this episode, we break down the importance of marginalized folks to know the options available to them for career development, whether it's knowing how to confidently interview for that dream job or understanding their employer benefits.

Steph Graham is a career and interview coach who focuses on supporting mid-level professionals going through career transition or looking to excel further in their careers. Steph has a particular interest in Artificial Intelligence and how it impacts the hiring process, centering the impact on BIPOC, LGBTQ, neurodivergent, and other underrepresented communities.

Steph helps clients convey value through storytelling, using a skills-based approach that she developed during her time as a diversity recruiter and interviewer at PepsiCo. and Uber. She has a degree in Women’s and Gender Studies from Wellesley College and earned her MBA at UNC Chapel Hill.

I'll never forget the day I sat on the beaches of Playa del Carmen in 2021 and sold $3,000 in Tesla stock to hire my first coach ever, business coach Cat del Carmen. I was the first in my family to hire a coach. Hiring her was what took me treating my money coaching as a "side hustle" to treating my business like an actual business. Before hiring her, I was making a couple hundred a month. A month after hiring her, I doubled my investment and made $7,500 in sales.

If you're wondering what it takes to level up your business and make more money and feel good becoming rich, this episode is for you. We talk all about how being a business owner requires daily growth and mindset worth, especially in our capitalistic system. I truly believe her work is as anticapitalistic as it gets, as she helps marginalized folks become the sources of their wealth, and that wealth is generated from our thoughts.

Cat Del Carmen is a business coach, wife, and mami who teaches WOC how to scale to six figures in their coaching business. Cat grew her business from $10k to $200k cash in a single year by focusing on client results, becoming an expert at marketing and selling, and now she teaches her clients the same process that helped her scale while simplifying. Cat is the host of, Latinas Booked Out Podcast, which has over 100k downloads, where she teaches her concepts, and philosophies of growing a coaching business through trauma-informed, high-integrity, business practices. She has been featured in New York Times, Yo Quiero Dinero Podcast, and The Offbeat Life Podcast.

Where in the world is Jen Ruiz? I met Jen at the Yo Quiero Dinero Summit in Puerto Rico and loved how up front she was about how she's made a living traveling the world as an influencer. I'll never forget when she said "I like getting paid in the form of...money" because all to often, brands will attempt to pay in exposure only. If you want to learn all about the specifics of how she gets paid to take flights to places like Easter Island, you don't wanna miss this episode. We talk Jen's career change making a living as a digital entrepreneur, travel writing, self-publishing, and working with brands as an influencer.

Jen Ruiz is a a lawyer turned full-time travel blogger and author. She is a 5-time Amazon bestselling author, 3-time TEDx speaker and award-winning travel journalist. She has been featured by The Washington Post, Forbes and ABC News and is the solo female traveler behind Jen on a Jet Plane.

Her socials:

Want your 401(k) to work for YOU instead of the other way around? Listen to this episode to learn all about how to keep your life simple when rolling over your old employer 401(k), how to understand what you're looking at when you log into your 401(k) portal, and how to use this account to retire early with tax free growth.

If you want to learn more, join me, your twerking money coach, for a free online webinar that's all about taking the stress out of your 401(k) and using it to become an anticapitalist multimillionaire who wants to give back. Unleash your financial power and let's pave the path to early retirement and true financial freedom together! 💰🎉

🔑 Key Takeaways From My class on 8/31:

1️⃣ Master Your 401(k): Learn easy strategies to supercharge your retirement savings and make your 401(k) work harder for YOU. We will talk rollovers, how much to contribute, and wtf to actually invest in.

2️⃣ Leave Your Job Sooner: Learn how your 401(k) can help you retire early and pursue your passions with confidence.

3️⃣ Unleash Your Inner Unicorn Millionaire: Walk away empowered to build generational wealth and leave an impact in your community

Get ready to twerk your way to a life of abundance and empowerment.🚀

Listen to this episode with Adriana to learn all about what it's like working on the other side of salary negotiations as someone who works in HR, how she had to lay herself off, and how she protected herself financially in the aftermath. If you're wondering if you're asking for too much by wanting to get paid more, this episode is for you!

I met Bianca Alba from This Latina Travels at the Our Money Our Power Summit in Puerto Rico in June, and we bonded over our love for travel and community. Listen to this episode to learn about her journey in living in Puerto Rico, how she's building wealth, and healing by traveling the world.

Bianca is a proud Latina and first-generation college graduate. She was born in the heart of South America in Cochabamba, Bolivia and is the oldest of four sisters. Bianca holds a Bachelor’s and Master’s Degrees in Public Health. Despite many years of schooling, Bianca managed to pay off all her student loans and feels liberated by being debt-free.

Bianca is the voice and creator of “This Latina Travels!” – A podcast about travel through the eyes of a First Generation Latina traveler/college grad sharing all her travel experiences first-hand! As a little girl, living in a single-parent household, trips and vacations were just a dream and felt unreachable. This Latina Travels is more than just Bianca telling you about her experiences, but it is a true reflection that dreams can become reality! To date, Bianca has traveled to 6 of the 7 continents in the world and her goal is to encourage and support women who look like her to travel the world too!

I have been shouting from the rooftops about non-binary sex therapist Rae McDaniel's new book, Gender Magic, since it came out. It has really helped me look past internalized transphobia and shame, ESPECIALLY as it's come up for me in dating while trans. It's reminded me that trans folks not only deserve basic human rights, but that we are f'in magical, desirable, and that we deserve all the pleasure in the world. Listen to this episode to learn more about the process of writing the book, gender freedom, intimacy, pleasure, and self care. Their book, Gender Magic, is gold for anyone who is an LGBTQIA+ individual and who wants to be a more informed ally/person who is lucky enough to date a queer/trans person and/or have us in your life!

Rae McDaniel (they/them) is a non-binary Speaker, Author, Therapist, Certified Sex Therapist, Coach, and Transgender Diversity and Inclusion Educator. 

Rae helps audiences gain the sheer audacity to be themselves in the world through play, pleasure, and possibility. 

Their book Gender Magic is a first-of-its-kind practical guide to achieving gender freedom with joy, curiosity, and pleasure for transgender and non-binary individuals, gender explorers, and those who love them (May 2023.) They have been featured in high-profile media such as The New York Times, The Chicago Tribune, Time, and Women’s Health. As a sought-after professional speaker, Rae has spoken at Rutgers University, University of Chicago, University of Illinois Chicago, Soho House, The Wing, and Rachel’s Rodgers’ ROI: The Millionaires Summit. 

Rae is also the founder and CEO of Practical Audacity, a Gender & Sex Therapy practice in Chicago, serving over 400 clients yearly. 

When Rae isn’t educating audiences and bettering the world, they can be found drinking too much coffee, snuggling with their dog Gizmo (who might actually be a gremlin), or sipping whiskey with a good book. 

Your partner(s) is your biggest investment. Listen to learn about red flags in money and relationships so that you can either decide to leave a relationship or strengthen it with money conversations. I talk all about what to do if your partner(s) is using your credit score behind your back, how to avoid resentment and really see if your relationship is one worth continuing or straight up ending because of financial differences.

On this episode, I chat with my money coaching client and Aries Goddess, Gloria Malone, about how she's doubled her business revenue month to month since launching her own business in January of 2023. Listen to learn about what mindset shifts she's made on her wealth building journey, as well as how she's balanced running her own businesses while maxing out her 9-5 job benefits.

Gloria was one of my first clients when I first started my money coaching business 3 years ago. I had no idea how much my biz would take off at the time, but I knew after quitting my stock broker job that I wanted to help LGBTQ+/BIPOC understand how to set their retirement accounts up correctly. In 2020, Gloria realized that her 401(k) from her new job wasn't invested and was going straight to cash, losing value to inflation. We changed the $1,000 in her 401(k) to get invested, and it doubled in about a month. She's maxing out her Roth IRA too. She's enjoying beach vacations with her kid while also making sure her future self is set. Doing both is possible.So happy to work with Gloria again this year because there is ALWAYS more to work on as we shift from survival mode to thriving mode. 🤑 I love helping people understand their investments so they can move on with their badass lives and create their own businesses!

As someone who has invested over $30k in business coaching, I haven't come across any programs that focus specifically on how the f*ck to manage your business finances. Entrepreurship is a great way to make more money and retire early, but managing your money can be overwhelming.

Join my masterclass to learn:

• How to separate personal from business finances
• How I manage my business bank account and business credit cards
• How to be strategic with debt to grow your business
• How to prepare for taxes instead of getting sticker shock in April
• How to open self employed retirement accounts

Today to celebrate pride, I have my good friend, Gaya Wadu join us. Gaya and I met at the Aqua Girl queer pool party in Miami Beach in 2019, and we've been partying it up at the Dinah Shore queer pool party in Palm Springs every year since. Gaya is a queer immigrant from Sri Lanka and lives in Los Angeles. She's an advocate for individuals with developmental disabilities and resources developer, and she advocates for investing in real estate for the queer community. She loves to travel like Charly. Listen to this interview to learn all about how she grew up in Sri Lanka and The Seychelles, why she calls LA her home, and she shares her real estate purchasing strategies. You can find Gaya twerking in West Hollywood on the weekends and on facebook at Gaya Wadu.

Did you see me twerking on stage this weekend the the Yo Quiero Dinero Podcast Our Money Our Power financial conference in Puerto Rico?! (If you're not following me on ig @travelercharly, that is where the twerkation happens!) 

Guess what? The conference was almost cancelled because Jannese, the founder, couldn't get her regular sponsors on board. They said that it wouldn't work out because Puerto Rico isn't "America." WTF. So, we are spreading the word to make sure it gets the attention it deserves and to keep it going. Today I'm joined by one of the amazing attendees I met there: Tannia Ospina.

Tannia Ospina is a dynamic Latina trademark attorney driven by a strong entrepreneurial spirit. As a devoted mother of three, Tannia understands the importance of protecting brands and enabling her clients to focus on what they do best – their business.  Tannia's journey to becoming an attorney began with an unwavering ambition to dream big and make a difference in her communities.

Tannia began her career in Human Resources at NBC Universal after graduating from Rutgers University.  Then left to pursue her childhood dream of becoming a lawyer.  After graduating from Rutgers Law, Tannia began her legal career. Seeking greater flexibility for her growing family, she founded an online kids clothing ecommerce business. Tannia's entrepreneurial drive led her to establish Ospina Law, her own boutique law firm, in 2023.

As a business and trademark attorney and an accomplished owner of both online and retail stores, Tannia's passion lies in assisting entrepreneurs in safeguarding their intellectual property and building generational wealth. By providing guidance on intellectual property matters, Tannia helps her clients unleash the full potential of their brands, ensuring their legal foundations are strong and secure. With Tannia by their side, entrepreneurs can confidently navigate the complexities of intellectual property, allowing them to focus more on doing the things they love.

Wondering what the difference is between myself, a money coach and a financial advisor? If you've googled the difference, you might see this answer: "A financial advisor is a professional who can help you develop your investment strategy and long-term financial plans. A financial coach is someone who can help you reach near-term goals by providing financial education and showing you better ways to manage your money."

On today's episode, I share how I was on track to become a financial advisor, and why I decided I didn't want to manage rich people's money for them. I quit my job as a stock broker because I wanted to help first gen, LGBT/BIPOC with their mindsets first AND I want them to manage their own money. In my opinion, financial advisors profit off of your ignorance. They're not down with helping you with your limiting beliefs/mindset. They get paid to manage your own money or understand it because you're too scared to do it. I share how I'm a great stepping stone toward one day hiring a financial advisor so that you can actually understand WTF you're paying them to do with your investments.

Miss the "Job hop your way to early retirement" class on 6/1?

Happy Pride month!! Today I'm pumped to have Kelly aka @KeLindaEres on to chat all about dating, money, and manifesting our ideal partners. Both of us share red, yellow, and green flags when it comes to dating and money conversations. At the time of this recording, both of us are single, and this conversation shows you that when you're single is THE time to really reflect on your dating life, past patterns, and what you want. Having the right partner(s) is an investment that not only affects your money but your happiness and trajectory of your LIFE.

Your Net Worth Party is the first stop on your Millionaire Treasure Map, the journey I take my clients on.