@travelercharly - Podcast Details

Shows

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 128. Money Coaching for First-Gen, BIPOC & LGBTQ | 6-Month Program FAQIf you’ve been curious about what my 6-month money coaching program includes, this episode breaks it all down for you. I answer your most common questions about how coaching works, who it’s for, and the real transformations my clients experience.You’ll learn:What’s included in 6-month coaching (bi-weekly calls, daily WhatsApp support, and my full money curriculum)Why coaching works for both high earners and folks starting at $50K salariesHow I help clients crush debt, raise credit scores, and build six figure retirements without needing six figure s...

2025-10-0224 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 127. Venmo Is Ghetto: Where to Actually Store Your Cash w/ The Sugar Daddy Podcast)If you’re still leaving money in Venmo, Cash App, or PayPal like it’s a savings account, this episode is for you.I sat down with Jessica and Brandon Norwood of The Sugar Daddy Podcast to talk about why Venmo is ghetto, what FDIC insurance really means, and where your cash should actually live if you want it safe and growing.We cover:Why apps like Venmo and Cash App aren’t banks (and aren’t FDIC insured)The best places to store cash: Ally, CIT, and Wealthfront high-yield savings accounts...

2025-09-2527 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 126. How to Quit Your Job and Build Wealth as a First-Gen Entrepreneur with Gina MorenoIn this powerful conversation with Gina Moreno, a first-gen Mexican American entrepreneur, content creator, and coach, we talk about what it takes to leave the security of the 9-5 workplace and step into entrepreneurship and visibility and how get paid for your gifts. Gina shares how she walked away from her six figure job in tech, gave a TED Talk, and built a business that empowers first-gen Latinas and women of color to own their worth, share their stories, and create financial freedom on their own terms.If you’ve ever wondered how to quit co...

2025-08-2950 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 125. From 0% APR to Monthly Payments: How I’m Paying Off $12K in Credit Card DebtIn this instagram live episode of the Unicorn Millionaire podcast, I share how I’m intentionally paying off $12,000 in credit card debt—and why I don’t regret it for a second. Taking on this debt helped me grow my business to $260K in revenue, invest for retirement without sacrificing my future, and prove that credit cards can be a tool when used with intention.If you’ve ever wondered whether credit cards are holding you back—or how they might actually help you build wealth—this conversation will help you see what’s truly possible.You’ll also...

2025-08-2030 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 124. How to Pay Off Debt by Selling Stock Without Touching Your 401(k) [Live Class]In this live class and episode of the Unicorn Millionaire podcast, I teach you how to pay off debt without shame—and why selling stock from your taxable brokerage account is often a smarter move than touching your 401(k).Even if you're debt free, you should stil listen to learn about what it takes to sell stock in the right accounts and without penalties. If you’re scared to sell stock, think of your investments as “savings,” or you’ve ever asked “should I open a travel card while still in debt?”—this episode is for you.I...

2025-08-0455 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 123. How to Use Credit Cards and Debt to Retire Early (Live Q&A)In this instagram live Q&A and episode of the Unicorn Millionaire podcast, @travelercharly breaks down how to use credit cards and debt to retire early, without shame and without sabotaging your future. Whether you’re sitting on $30K in credit card debt or just anxious about opening a new card, this episode will help you reframe debt as a strategic tool, not a moral failure.I talk about how I used business credit cards to grow my coaching business, fund investments like my Roth IRA and Solo 401(k), and still pay myself while traveling th...

2025-07-2330 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 122. How My Client, Michelle Sanchez, Built Six-Figure Wealth Before 30 and Collapsed Her Retirement TimelineMichelle Sanchez is a first-gen eldest daughter who built six figures in wealth before turning 30—while navigating chronic illness, moving states for her wellbeing, and finally giving herself permission to want more than just survival.In this episode, I walk you through how my coaching helped Michelle shift from uncertainty to clarity, from saving-only to strategic investing. You'll hear how our work together helped her max out her retirement accounts, centralize her money, and collapse her retirement timeline—all while living with chronic illness and reclaiming joy. She now knows exactly how to grow her money and enjo...

2025-06-181h 01

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 107. Renting vs. Buying a Home for First GensIn this episode, I answer: should you rent or buy a home? It’s not about following the crowd or what society expects—it’s about making the best financial decision for YOU. Many Latinx families see real estate as the only path to building wealth, but is it really? I break this down and explore smart wealth-building strategies, and show you client examples of how renting is a better choice than buying and vice versa. Tune in to gain clarity on whether homeownership is truly your goal—or just what you've been told you should want. Th...

2024-12-0931 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 106. How LGBT/BIPOC can use Credit Card Points to Travel the World w/ Rachel ThomasListen to this episode to learn how LGBT/BIPOC can use Credit Card Points to Travel the World. I met Rachel at Fincon recently and we talked all about points transfers, which websites to use, credit cards, and simple ways to level up your points game! Thomas Life is an Affordable Travel Strategist + Planner. Find her on: YouTube: https://www.youtube.com/@RachelThomasLife Instagram: https://www.instagram.com/rachelthomaslife/ TikTok: https://www.tiktok.com/@rachelthomaslife Website: https://www.thomastravelconcierge.com To sign up for @travelercharly's class on 12/12...

2024-11-2630 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 104. Unlocking Scholarships for Adults: Travel, Conferences & More with Ms. ChikaIn this episode, Charly gives their thoughts on the duality of your net worth being the highest with stocks being up while also grappling with the election results. They also interview financial mentor and scholarship expert Ms. Chika, who shares her insider tips on unlocking scholarships for adults—beyond higher education. Whether you’re looking for funding for conferences, professional development programs, travel opportunities, or skill-building workshops, Ms. Chika reveals how to access these valuable resources. With over $200k in scholarships won and a passion for empowering marginalized communities, Ms. Chika gives actionable advice to help you overcome financial barr...

2024-11-1240 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 99. Review the podcast & win a coaching session!Happy Virgo season! To celebrate my b-day month, I'm giving away a free money coaching call! How to enter: 1. Review this podcast on Spotify or Apple podcasts (bonus points if you leave a written review, it can be as short as "great podcast"!) 2. Dm me a screenshot of your review by Sunday, 9/8 to @travelercharly on instagram (or reply to my mailing list email blasts if you're already on it). Thank you for supporting my podcast and listening along. ⁠To learn about 1:1 coaching with Charly and join their newsletter, click here. ⁠

2024-09-0508 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 96. The difference between being rich and acting rich w/ Ken Dolan-Del VecchioListen to this episode to learn how to stay on track with financial health as a key aspect of overall health. Ken retired from corporate at age 56 and shares lessons he learned about what it took to get here. We talk about being intentional with investing, the difference between healthy habits and just spending to show off your wealth, and living your truth as queer people. This life is finite, and when we work hard to set ourselves up for retirement, it's important to cultivate your passions so you can really dive into them in retirement. Ken D...

2024-08-0655 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 95. How HSAs can help you retire earlyListen to this episode to get the scoop on Health Savings Accounts (HSAs) and how they can help you retire early! Health Savings Accounts (HSAs) are tax-advantaged savings accounts specifically designed for medical expenses. They’re for folks with high-deductible health plans (HDHPs). An HSA lets you save money on a pre-tax basis to pay for qualified medical expenses. You can have the money in cash and/or Invest it! When I got a blood clot in 2020, I sold off of all my investments in my employer sponsored HSA to pay for the hospital bills. The point of stock is...

2024-07-3027 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 93. Chase Sapphire Preferred vs. Sapphire Reserve Credit CardsDebating going with the Chase Sapphire Preferred or Sapphire Reserve credit card? Listen to this episode to learn the difference between the two cards, their perks, and how using them the right way will boost your credit score so you can lock in better interest rates on a mortage. I've used both cards and I break down how both compare and how to make the best decision for yourself. ⁠To join my newsletter and learn about private coaching with me, click here. ⁠ ⁠IG: @travelercharly⁠

2024-07-0337 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 89. Your Health is Your #1 Investment: Navigating Chronic IllnessYour health is your #1 investment. Listen to this update to get updates on my health issues as I close this chapter in Puerto Vallarta, and how I'm focusing on my healing as someone with eczema. I share how my chronic illness has flared up, reflections on how it's shaped my life, and what I'm doing about it by focusing on my gut health and hormone health. I also share reflections on rehoming my cat and how I'm navigating the emotions behind this difficult decision before I head to DC for the summer. To learn about 1:1...

2024-05-1537 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 85. Q1: $12k in sales and how I paid off debt as a single, full time entrepreneurListen 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...

2024-04-211h 04

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 83. We're here, we're queer: Keli's Money Coaching Transformations!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...

2024-04-0149 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 82. Why You Should be a Roth FREAKI 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...

2024-03-1128 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 81. Aprendizajes de mi primer temazcal como persona transEl 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. Here is my blog post about my experience in English. To learn about 1:1 coaching with Charly, click here.

2024-03-0436 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 80. Dump That Checking AccountThis 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...

2024-02-1126 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 79. Win a Money Coaching Session With Charly!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"!) 2. Dm me a screenshot of your review by Friday, 2/9 on my instagram (click here to go to @travelercharly) If you're on my email list, you can reply to any of my email blasts with a screenshot of your review. Thank you for supporting my podcast and...

2024-02-0605 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 78. Money Coaching Commentary: GriseldaSpoiler 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! Book a call here to start 1:1 money coaching with me. 🌴

2024-01-2937 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 77. Reflections on Wealth Building while Microdosing 🍄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 afte...

2024-01-2526 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 76. How to Be Strategic with Debt Like a Rich PersonRich 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...

2024-01-1547 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 75. Confidently manage your business financesAs 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...

2024-01-0905 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 74. Why You Should Leave Wells Fargo/Bank of AmericaTime 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...

2024-01-0823 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 73. Money Moves to Start The Year & Retire EarlyHappy 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. To learn more about working 1:1 and join my newsletter, click here.

2024-01-0329 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 72. 2023 Business Lessons as a Single Income EarnerListen 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...

2023-12-2659 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 71. How To Launch a Podcast!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...

2023-12-1934 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 70. How To Protect Yourself from Credit Card FraudHo 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. When you're ready to get started making...

2023-12-1122 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 69. How to Feel Excited About Your MoneyListen 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. Learn about 1:1 money coaching and join my mailing list here.

2023-12-0434 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 68. How to Crush Credit Card DebtThere's nothing wrong with you for having credit card debt. What matters is taking action on it so you can get on track for financial independence. The credit card industry is a profitable industry that benefits off of people's money avoidance. Credit card debt in the US has reached a record of $930 billion.Paying off your credit cards matters because this is one of the most expensive forms of borrowing money.You can either use the avalanche or snowball methods to payoff your cards. Personally, I prefer the avalanche method because it tackles the higher interest rate (aka more expensive...

2023-11-1823 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 67. How to improve your spending habitsIn this episode, I talk all about how to improve your spending habits so you can retire sooner. These are 2 types of spenders: 1. The YOLO/I won't look at my credit card statements spender 2. The im-terrified-of-bieng-poor-again-so-l-guiIt-myself-out-of-treating-myself spender 1. If you're a YOLO spender, you struggle saying no to overpriced dinners/excursions with friends because you don't want to upset people. You feel a sigh of relief when someone around you says no because they can't afford it, and you wish you could be that up front. The truth is that saying no doesn't just help your budget now, it will...

2023-11-1326 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 66. What the 2024 IRA Limits Mean For Your RetirementThe 2024 IRA limit has been raised to $7k a year! $8k if you're over 50! Listen to this episode to learn about why this matters and how IRAs are the key to early retirement. You can leave your side hoe AKA brokerage account alone until you max this juicy, tax advantaged account FIRST at the start of each year. The longer you wait, the more you're missing out on tax free growth. Every 3 months, companies pay out interest in the form of "dividends." These dividends compound more than basic AF interest in a savings account when you're reinvesting them. $7k i...

2023-11-0829 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 65. How to Grow Your Mailing ListI'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...

2023-10-3136 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 64. Re-release: How to Avoid Lifestyle CreepMaking 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...

2023-10-2333 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 63. How to pick stocks the simple wayYou've opened your investment accounts and transferred the cash, now what? You have to invest that money if you want it to grow. But what should you invest in? Listen to this episode to learn about what people think stock picking is like versus how simple it can be. Join me, your twerking money coach, for my free PERREO TO PROFIT: INTRO TO STOCK PICKING CLASS on Thursday, 10/26! 💰🎉 🔑 Key Class Takeaways:1️⃣ Pick stocks like a pro: Learn simple strategies to make your money work harder for you in your sleep. We'll break down the two most important things you need to look at wh...

2023-10-2324 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 62. How I grew my credit score to 808Listen 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...

2023-10-1443 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 61. How to build sustainable food & money habits w/ health coach Samantha LeeIn 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...

2023-10-0243 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 60. Lessons from my first car accident and my summer in LAIn this episode I talk about my first car accident. It has been a shitty week, but I'm proud of myself for how I've handled my thoughts about it and wanted to share them with you. I also share my thoughts about my 4 months in LA and what's next. 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. Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly...

2023-09-2249 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 59. How to use AI and storytelling to crack the career code with Steph GrahamIn 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...

2023-09-1832 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 58. Self Compassion Makes Millions with My Business Coach, Cat del CarmenI'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...

2023-09-1154 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 57. How to get paid to travel the world with Jen RuizWhere 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...

2023-09-0553 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 56. Bring the Sazón Into Branding Your Business with Susana CardonaJoin myself and Susana Cardona for a real AF, anticapitalist conversation as we dive into the world of BIPOC and female/marginalized folks entrepreneurship. Susana's story is a testament to making money on your own terms and building a brand with true sazon. If you've ever wondered about exactly what branding is and how it is DIFFERENT from an actual business, this episode is for you. We chat about focusing your energy where you can win, and how your authentic self is valuable as a business owner. This episode will inspire you to infuse your passion with the authenticity of...

2023-08-2254 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 55. Twerk Your Way to a 7 Figure 401(k)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...

2023-08-1730 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 54. Protect Yourself From Layoffs and Get Paid More with Adriana GalvanListen 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! Adriana Galvan is the owner and founder of Adriana Talks Dinero, LLC, which was created to educate and empower the minority and disadvantaged communities around their knowledge of personal finance by bui...

2023-08-1437 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 53. From Loving Living in Puerto Rico to Traveling to Egypt with Bianca AlbaI 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 s...

2023-08-0751 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 52. Post Divorce Money Moves with the Investing MILF, BinduBindu hired me as her money coach because financially, she was on her own for the 1st time post divorce. She wanted to move forward without fear. By working together, she went from being newly single to being the ungovernable zebra MILF in a committed relationship with her investing apps! I help clients return to themselves before, during, and after a divorce. After her divorce, Bindu spent two years without any help and was doing this on her own. Listen to this episode to learn all about how Bindu is THRIVING now. A lot of people stay in relationships...

2023-07-3138 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 51. Gender Magic, Pleasure, and Intimacy w/ Rae McDanielI 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...

2023-07-2447 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 50. Red Flags in Money and RelationshipsYour 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. Like what you hear? Book a call here to start 1:1 coaching with me. 🤑

2023-07-1521 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 49. Long term podcasting, money chisme, and allyship with Brenda GonzalezIn anticipation of our Money Chisme in person event in LA on 7/20, I wanted to have Tamarindo Podcast founder and co-host, Brenda Gonzalez on the podcast to chat all about what it really takes to not just start a podcast but to keep the momentum going into their SEVENTH year! We also talk about allyship and do some impromptu money coaching. Brenda Gonzalez is a political nerd, public speaker, and nonprofit capacity-builder. She has over 15 years of experience working with community based organizations, most recently at a national Latino civil rights organization. Brenda co-founded...

2023-07-1148 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 48. Stocks Are Sexy and So Is Doubling Your Business Revenue with Gloria MaloneOn 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...

2023-07-0354 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 47. Business Finances Con Confianza Masterclass 7/11!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 ...

2023-06-2907 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 46. From Queer Sri Lankan Immigrant to LA Real Estate Owner with Gaya WaduToday 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...

2023-06-261h 02

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 45. Trademarking Your Business with Tannia OspinaDid 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 att...

2023-06-2050 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 44. LA HOTTIES: Money Chisme with Tamarindo Podcast 7/20!I'm SO excited to team up with Tamarindo Podcast to bring to you: "Money Chisme", a safe and inclusive space to talk money and get a money mindset reset with our favorite money coach, Charly Stoever (they/them). About Money Chisme Like all things Tamarindo, this will be a fun and educational evening with interactive money chisme! This event is in partnership with The Pop-Hop, an independent bookshop and creative learning space that amplifies marginalized voices, supports community growth, and empowers collective good works to build a healthier, more equitable neighborhood. You'll have time to sh...

2023-06-1503 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 43. Investing Chisme with the Witch of Wall Street, Linda GarciaEstoy super emocionado to introduce you to Linda Garcia, whose book "Wealth Warrior" I read as part of Cat del Carmen's business mastermind. I fell in love with Linda's story as a child of immigrants growing up in scarcity and then shifting to taking on the stock market. I love the way in which she breaks down finance vocabulary that rich white men intentionally try to make intimidating to exclude us. We talk all investing mistakes and wins, self sabotage, latinx representation in the media and personal finance space, and how she is legit the Witch of Wall Street! About...

2023-06-131h 04

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 42. Money Coach vs. Financial Advisor: Which one's best for you?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...

2023-06-0421 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 41. Queer Dating & Money with @KeLindaEresHappy 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.

2023-05-301h 01

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 40. On 6/1! Job Hop Your Way to Early Retirement With @CarlathefirstgencoachOn June 1st! Kick off Pride month and learn about securing the bag!! Join First Gen Career Mindset Coach Carla Santamaria and myself for a FREE masterclass on job hopping your way to early retirement. Learn: 1. Why BIPOC should job hop their way to a six figure salary 2. The three steps to consistently job hop every 18-24 months 3. How to invest at the six figure level with your 401(k) 4. How to retire a millionaire We live in a capitalist society. That is the simple reality. But we can game this system to create a better future for ourselves, the p...

2023-05-2504 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 39. Millionaire Mindset ExerciseThe Millionaire Mindset exercise is the second stage of my Millionaire Treasure Map. I cover this in my 2nd meeting with my clients. This tools help them for the rest of their lives. I know because I use them daily.I'm not constantly researching new stocks. I AM constantly working on my money mindset.The way you think and feel about money has an impact in the choices you make. Not just with finances but in other areas of your life as well.Helping you shift the way you think about money is one of my...

2023-05-241h 01

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 38. Your Net Worth PartyYour Net Worth Party is the first stop on your Millionaire Treasure Map, the journey I take my clients on. On a scale of 1-10 (10 is the highest), how empowered do you feel about: 🦄 Your money? 🦄 Investing? 🦄 Having $ conversations with loved ones? 🦄 Your self awareness? These are ALL questions I ask my clients during our very FIRST meeting when we start coaching. You're not being graded. What matters is that for the first time you're opening up and really talking about how you FEEL about your money. I love helping you FEEL better about your money w...

2023-05-181h 05

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 37. Be Patient When Building WealthI've never made more than 45k at the 9-5, but I'm investing at the six figure level, traveling the world, and helping BIPOC build massive amounts of wealth. It really comes down to being patient with myself and asking for help. Listen to this episode to hear 2 of my amazing clients' investing wins, and to learn about the small, consistent steps I've taken on my wealth building journey, whether it's paying off my biz credit card or selling stock in my brokerage account to fund my life. I'm hosting my next investing masterclass on brokerage accounts in less than 24 hours (4/27...

2023-04-2747 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 36. Destigmatizing the Desire To Build Wealth with @CarlathefirstgencoachHave you ever met someone and just known you two are gonna vibe? That's what today's crossover podcast episode is like with Carla, who I met in my business coaching mastermind group with Cat del Carmen. In this candid, unfiltered conversation full of joy and laughter, Carla and I rage against the cishet white capitalist machine. We talk about the why it is imperative for first gen people of color to destigmatize the desire to build wealth. I shares my insight on investments and talks about the power of time IN the stock market, how I invested...

2023-04-2444 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 35. How To Use a Brokerage Account to Invest Your Extra CashYou don't need to be a broker or an advanced trader to open a brokerage account. I share how these accounts work, how easy it is to open one, and how they should be used in addition to retirement accounts so that you can be financially independent! I'm hosting my next investing masterclass on brokerage accounts. Anyone who wants to build wealth to help themselves AND others is welcome! Sign up and learn about 1:1 coaching here: https://linktr.ee/travelercharly

2023-04-2231 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 34. You deserve to build wealth!What's stopping you from building wealth isn't your lack of access to knowledge. It's allowing yourself to believe that you deserve to build wealth. Money is NOT evil. Building wealth doesn't make you a bad person. You deserve to fill up your cup so you can help yourself AND others.I share reflections on how finding community has been essential for me as a business owner to make $100k+ in sales. I also share how having a brokerage account and selling $3k in stock in it allowed me to take my business from a side hustle to a...

2023-04-1951 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 33. Your 401(k) is your main squeeze!The 2023 401(k) limit is $22,500. I share how you need to be maxing this account out every year in order to retire early (or retire at all, tbh). Don't have a 401(k)? I got you I mention what you need to know about IRAs. You also should absolutely understand what you're investing in within your 401(k). You could still be investing in "funds" that are actually just in cash that's losing value to inflation. Ready to stop winging it and make powerful money moves? Book a call to work 1:1 with me here. 🦄

2023-04-0431 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 32. Como sané heridas ancestrales en mi viaje psicodélicoEn este podcast en español, hablo sobre mi ultimo viaje psicodélico que hice en la cual sané heridas ancestrales. Sanando heridas es algo prolongado, y es todo un proceso que segun yo, nunca se acaba. Mi familia es mexicana y les cuento mi historia de inmigracion a los estados unidos a los 3 años. Les cuento como use este viaje psicodélico para enfrentar memorias de mi infancia dolorosas y reprogramarlas. Les cuento como este viaje me ayudo a prepararme para conocer a mi gata, Luna, que conoci unos días despues de este viaje. Escuchenlo y compar...

2023-03-301h 40

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 31. Why ALL your savings accounts should be high yieldStop parking your cash in regular savings accounts with sh*tty interest rates. Moving your cash from a regular savings account to a high yield savings account can grow your money by tens of thousands of dollars in just a few years. Also, stop paying your credit card several times a week. I share why I only pay for my credit card once a month from my high yield savings account and how that's helped me grow my credit score to the 800s. Listen, review, and share with a friend! To learn more about working 1:1 with me, c...

2023-03-2228 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 30. How and Why To Pay For My Coaching with a Credit CardI share how to get excited about paying for my 6 month, 1:1 money coaching program with a credit card, as well as my client wins. You shouldn't pay for my coaching with cash. My coaching helps you compress time and make massive transformations in the 6 months of working with me. I have helped my clients grow their retirement accounts by 17x, I've helped them go from making $2k to $20k in their businesses, and I've helped them get excited about the sustainable projects their millionaire selves will achieve. I share how paying with a cred...

2023-03-1530 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 29. How Much Should You Invest?Here are the three things to consider before investing: 1. Having a concrete amount in cash for your emergency fund 2. Maxing out your 401(k) and/or IRA 3. Investing cash you don't need short term in a Brokerage Account. Listen, learn, and share! To learn more about working 1:1 with me: https://linktr.ee/travelercharly

2023-03-0929 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 28. The Chisme on How Millionaires InvestAs a stockbroker, I talked to millionaires every day. Here's the chisme on that! I share lessons I've learned from them about how to be objective and strategic with your money, no matter what the stock market is doing. The amount of money you have doesn't matter nearly as much as how you interact with your money and just get started investing. Book a call here to get started with 1:1 coaching! 🤑

2023-03-0430 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 27. Credit Card Perks: Airport Lounges and Boosted Credit ScoresI share my experience staying in an airport lounge in Singapore thanks to my credit card rewards. Growing up, I was taught airport lounges were for bad, rich people. That's not true. Being in airport lounges doesn't make me a better or worse person. It makes me a more relaxed person! Credit cards are just another tool we should be investing in not just for perks, but to boost our credit scores. Planning to get a mortgage or other large loan? Having a better credit score gives you a better interest rate. I've used credit cards strategically f...

2023-02-0128 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 26. From Paying off 18k in Debt to Airport Lounges w/ Mom Money BossToday my money coach mafia friend Nathalia (She/Her/Ella) aka @chapina.buildingwealth joins me to talk about how she paid off 18k in debt, manages her finances as the main bread winner, and more! In Nathalia's words: "I am a self proclaimed Alpha Latina. I am an immigrant to the U.S., a wife, a mother and a chapina dedicated to empowering my community! My passion for financial education was born out of a need to educate myself on my own financial journey. I’m working on finding my inner niña that was left behind in Guatemala, reconnecting with...

2023-01-1954 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 25. Investing in IRAsThe 2023 Traditional IRA/Roth IRA contribution limit has increased for those qualifying to $6,500 for those under 50, and $7,500 for ages 50 or older! Still haven't maxed out your 2022 contributions? No sweat, you still have time before tax day. On this podcast I'll help you feel confident in understanding: The benefits of a Traditional/Roth IRA Contribution limits/deadlines How to open the account Investing in stocks to set yourself up for retirement Wanna learn more? I walk you through the details in my FREE investing in IRAs masterclass here: https://www.travelercharly.com/investing-in-iras

2023-01-0325 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 24. Year End Money Moves!I share the money moves and investment decisions I'm making to pay less in taxes for next year. The stock market has been down this year, and I talk about how I'm using that to my advantage. I also share how to be strategic when the New Year starts with your Roth IRA, since the contribution limit has gone up to $6,500! Check out all the resources I mentioned, including the link to work with me, here: https://linktr.ee/travelercharly

2022-12-2628 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 23. How Lulu Invested Their InheritanceWhen Lulu and I first started working together, they had received an inheritance of about $150,000 but felt too scared, guilty, and stuck to touch it for MONTHS. Through our time together, they've opened a Roth IRA, Brokerage account, separated their personal and biz $, and have started to invest in massive amounts of $10k, $6k, and $30k at a time. They've also lent a family member $15k to buy a home and leave an unhealthy marriage. I helped them see the potential they had this whole time, once they gave themself permission to make powerful money goals and f...

2022-12-191h 02

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 22. Options & Margin Trading Features, ExplainedI share what some intimidating investing terms ACTUALLY mean when you're opening accounts. I help clients open up investment accounts all the time, and the most common roadblock they face is when they're asked if they want to add these "trading features": Options and Margin. In this episode, I explain what these fancy white men words mean. Margin is basically all about borrowing money to buy stocks. I just use it to take out cash from my Brokerage account if I need to, but I transfer the money ASAP from my savings account to my Brokerage account...

2022-12-1418 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 21. El Parapente Como Viaje PsicodélicoTw: suicide/suicidio En mi segundo podcast en español, yo comparto mi experiencia con el Parapente (paragliding), que hice por primera vez aca en Taiwan. Hablo sobre El proceso, mis pensamientos durante el proceso, y como estoy integrando mi aprendizaje igual como si fuera un trip de 🍄. Hablo un momento sobre el suicidio porque es un aspecto de la salud mental de la cual no se habla mucho por el tabu social pero yo lo menciono brevemente. Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Instagram: @Travelercharly Blog: www.unicornmillionaire.com See translation

2022-12-0331 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 20. Why Retire Early?I share my perception of semi/early retirement and my 5 reasons to do this as part of our wealth building journey: 1. Being Work Optional 2. Exploring Your Interests 3. To spend more time with loved ones 4. To Travel The World While You Can 5. Unexpected Health Issues Can Arise Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Instagram: @Travelercharly Blog: www.unicornmillionaire.com

2022-11-2034 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 19. How to Pick Stocks During the Stock Market DipOnce you've built your 6-12 month emergency fund, have opened your investment accounts and transferred the cash in? What's next? INVESTING THAT SHIT! Want to walk through picking investments together? Join my masterclass on Wednesday, 10/5. We'll answer these questions: How do I know which stocks to pick? What is the difference between self managing vs. having a robo advisor account? How do I buy stocks? There will be a live Q&A with me. This meeting will be recorded, but attending live will give you the chance t...

2022-10-0329 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 18. My Experience at the Dinah Shore Queer FestivalEach year, the Dinah Shore festival is the largest lesbian and nonbinary party in the world that happens in Palm Springs, California. I go every year, and this was my 4th time going. I share my experience as well as financial planning for the rest of the year before heading off to Taiwan. If you wish the stock market were as low as it was 2 years ago, that's exactly what's happening! Join my next masterclass on Wed, Oct 5th @ 1pm et/ 10am pt. Sign Up Here! We'll answer these questions: How do I know w...

2022-09-2956 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 17. Invest in Rest with Jannese TorresJannese Torres is the founder of Yo Quiero Dinero, an award-winning personal finance podcast that empowers listeners on topics like entrepreneurship, investing, financial independence & money mindset. Jannese is a Latina money expert, entrepreneur, food blogger, & business coach. Each week she drops episodes brimming with POC-friendly personal finance knowledge, served with sazón! She ALSO makes tens of thousands of dollars a month in ad income from her blog. Listening to Jannese's podcast when I was working as a stock broker is one of the reasons I was inspired to quit my jobs and become a money coach f...

2022-09-2333 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 16. Hot Queer Summer RecapI share my digital nomad experience this summer in DC. I share how much money I saved and made by dog sitting in DC, why I decided to stay here longer than a month like I'd planned, how I translated my biz lessons from money coaching to my dog sitting side hustle, and how I'm realizing my priority for having financial freedom is to have creative freedom. Next up, Palm Springs for my 4th Dinah Shore Queer festival in southern California! Thank you for following along on my journey. The hot queer year is still going!! When you're ready to...

2022-09-1847 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 15. Lessons from Healing My Knee PainIn this IG live, I share the latest on my months long knee pain, as well as the scientific and spiritual practices I'm trying out. Healing is spiritual AND physical, and I share how I'm trying out different modalities like mindset work, self reflection, family constellations, physical therapy, seeing an ortho, and fasting. Thank you to everyone who has checked in and shared what's worked for them. 🥰 For 1:1 Money Coaching: https://calendly.com/travelercharly/clarity?month=2022-09 For my next masterclass on salary negotiation and Financial Independence Retire Early: https://calendly.com/lamalamujer/how-to-f-i-r-e-up-your-raise?month=2022-09

2022-09-1127 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 14. Healing as Overthinkers w/ the Latina Dr. PhilLianne is the host of the @Watchusthrivepodcast, a personal development podcast that talks about mental health, healing from trauma that keeps us stuck in sh*tty relationships & how we can reconnect with our inner magic✨. Lianne is a domestic violence survivor and as a fellow virgo, and we connect over our past relationship mistakes and how we are moving forward in our personal lives and our entrepreneurial ventures, because they are very much intertwined. We're never healed, we're heal-ING. Listen to learn about how we say NO GRACIAS to the impostor syndrome and show up for our businesses while giving ours...

2022-09-0547 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 13. OMG I'm writing a BOOKWhat made me decide to write a book? What's that process even like? Listen to find out why and how I decided to believe in myself enough to make this big investment decision in myself. 🦄 Ready to embody your millionaire self? Book a call to start your money coaching journey with me: https://calendly.com/travelercharly/clarity

2022-08-2632 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 12. Orlenda's Money Coaching WinsHappy virgo season!! Today my client and budget coach Orlenda, founder of @peroicandoittoo, shares how my 6 month 1:1 money coaching helped her level up not just her and her family's finances, but also her LIFE. Orlenda and I have SO much in common. We're both virgos, formerly undocumented immigrants, and we love travel. She shares how she became a first time home owner, moving from The Bay Area to Washington State, and the mindset shifts that have happened for her on her way to millionaire status! Ready to embody your millionaire self? Book a call to start your money coaching journey...

2022-08-2357 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 11. My Money Coaching Treasure MapIf you want to learn more about working with me, this is the framework that I customize for each of my 1:1 clients during my 6 month coaching program. Book a call at https://calendly.com/travelercharly/clarity to get started. 🦄

2022-08-1437 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 10. HelloBirth HypnoBirthing® with Lindsey VickOn today's episode, I have one of my FIRST money coaching clients and fellow Wellesley College alum, Lindsey Vick, join us today to talk about entrepreneurship, working as a healer, spirituality, hypnotherapy, and the birth world! I learned SO much on today's talk and I truly believe that Linsey's work is anticapitalist because it centers the person giving birth, their needs, and makes childbirth a more joyful experience. We also talk about racial disparities in maternal health, too, so buckle up and get ready to learn! Lindsey Vick, CHt, RMT, HBCE, Doula, is the founder and co-owner of Sunflowers H...

2022-08-091h 03

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 9. My Subtle Level Up PurchasesAs first gens we are so used to doing the most, but we need to celebrate our accomplishments! This year I decided to actively buy nice things/experiences for myself each time I signed a client. What we don't celebrate, we don't integrate. I share the mindset drama I coached myself on when making these purchases I never would have thought I would make even just a year ago. Becoming our millionaire selves involves letting go of our scarcity mindsets we inherited and recognizing that we DO deserve to celebrate ourselves. Book a call to learn more ab...

2022-08-0230 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 8. Sentirse suficiente es anticapitalistaEn mi primer podcast/ig live en español, hablo sober la verguenza que tenia al hablar en español. Soy una persona multidimensional y al hablar sobre algo que escondia, estoy siendo anticapitalista. Espero que les guste. Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Watch my brokerage account investing masterclass: https://www.travelercharly.com/brokerage-accounts-the-6-figure-level Find me on instagram: @Travelercharly

2022-07-2530 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 7. Q&A: GTFO of the USI share tips on things to think about when planning your move out of the U.S. As a digital nomad, financial freedom is the number one reason I'm able to travel where I want to go, when I want to go. I talk about how to make friends and stay safe when traveling/living abroad as well as the cost of living and things to budget for. Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Watch my brokerage account investing masterclass: https://www.travelercharly.com/brokerage-accounts-the-6-figure-level F...

2022-07-1939 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 6. Ayahuasca with Honey BrujaIn November of 2021, I met Honey when I was living in Playa del Carmen. I connected with my fellow virgo immediately and love how open she is about plant medicine and healing. She shares all about her experience in not one, but TWO ayahuasca ceremonies she participated in during her time in Mexico, and she also talks about what it was like traveling to Mexico as a black woman. Follow Honey at @honeybruja69 and https://www.adornedbyhoney.com/. Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Watch my brokerage account investing masterclass: https://www.t...

2022-07-1954 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 5. Yes, I Do Work With White PeopleI get this question a lot! I'll never stop talking about how I help LGBT/bipoc folks built wealth because that language has been absent forever in the finance space, but about half my clients are white! I am latinx, but I, too, am white! If you are white, it's important to acknowledge white privilege, move past the guilt, and do something about it to help yourself and others. Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Enroll in my July 13 investing masterclass: https://calendly.com/travelercharly/brokerage?month=2022-07 Find me on instagram: @T...

2022-07-1320 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 4. Magic Mushrooms are Anticapitalist 🍄Tw: suicide. I am DOWN with the plant medicine! I share my personal experience with magic mushrooms. I share how I was skeptical at first about mushrooms, which is the only psychadelic I've tried so far, and I share words of caution as well as the amazing healing transformations I've had thanks to mushrooms as a tool for seeing past the confines of white, cisheteronormative capitalism. Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Enroll in my July 13 investing masterclass: https://calendly.com/travelercharly/brokerage?month=2022-07 My Magic Mushrooms MBA Class Presentation: https://y...

2022-07-0853 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 3. Avoid Lifestyle CreepLifestyle 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. Today I spoke with a new client who is working with me because she wants to avoid it. Tbh, I had to Google "lifestyle Creep" before we met because I'm so used to investing extra money instead of buying things 🤣. She is making serious moves and makes double what I make, and I'm STILL able to help her because of my investing knowledge. In fact, most of my clients make more than I do! I l...

2022-07-0627 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 2. Brokerage Accounts 4 Your Best LifeWith stocks on sale and inflation going on, now is the time to put extra cash to use with a brokerage account. I share how I opened my first one as a robo advisor at age 26, and now at 31, I share why I shifted to a self managed account. To learn more and attend a live q&a with me, save your spot. Enroll in my July 13 investing masterclass: https://calendly.com/travelercharly/brokerage?month=2022-07 Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Find me on...

2022-07-0131 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early 1. Why I'm a money coach for queer/bipoc first gensIn my very first podcast episode EVER (!!!) I share my story growing up undocumented and the money trauma I experienced that helped form who I am today and the work I do. Once our community has the money that these billionaire tech dudes have, we won't be launching rocket ships into space. We will be saving the planet. Book a call to learn more about 1:1 money coaching: https://calendly.com/travelercharly/clarity Enroll in my July 13 investing masterclass: https://calendly.com/travelercharly/brokerage?month=2022-07 Find me on instagram: @Travelercharly

2022-07-0140 min

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early Welcome to the Podcast!

2022-06-3000 min