Shows
Wealth Para Todos: Financial Security through Self-Care#18: How I’m Planning to Retire by 47 While Raising a Family in CaliforniaIn this episode, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, shares their journey from financial insecurity to pursuing early retirement.
They discuss stages nine and ten of financial security, the importance of creating financial flexibility, and how to balance the pursuit of financial independence with living a joyful and fulfilling life.
Soledad emphasizes the significance of overcoming fear, shame, and urgency in financial planning, advocating instead for a mindset rooted in love, joy, community, and curiosity. They also invites listeners to join them for Roth IRA office hours and details how t...2025-06-0828 minWealth Para Todos: Financial Security through Self-Care#17: Why It Takes Time to Pay Off Debt, Save More, and Invest ConsistentlyIn this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, guides listeners through the transition from Stage 7 to Stage 8 of financial security. Soledad explains the importance of building a three to six-month emergency fund, eliminating high-interest debt, and increasing retirement contributions to 15%. The episode addresses common feelings of overwhelm and emphasizes the necessity of patience and nervous system regulation. Key strategies include engaging in D.I.V.E.R.S.E. self-care, developing a sustainable financial mindset, and continuously working on increasing income. Soledad also discusses the...2025-06-0119 minWealth Para Todos: Financial Security through Self-Care#16: What to Do After You’ve Built a Budget, Savings, and Debt Payoff PlanLink to Apply to Work 1:1 with Soledad
Join host Rita-Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, as they guide BIPOC, women, and LGBTQ+ listeners through stage seven of financial security. This episode addresses the emotional complexities of reaching financial milestones, the strategic trade-offs between debt payoff and investing, and the importance of sustainable habits.
Soledad emphasizes the need for D.I.V.E.R.S.E. self-care, planning, and compassionate reflection to maintain and grow financial stability.
Tune in to learn how to balance joy and finan...2025-05-2523 minWealth Para Todos: Financial Security through Self-Care#15: How to Pay Off High-Interest Debt Without Burning OutIn this episode of Wealth Para Todos, host Rita-Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, guides viewers through the emotional and strategic aspects of paying off debt. Aimed at helping BIPOC, women, and LGBTQ+ communities, the episode emphasizes the importance of emotional readiness and self-trust in tackling debt. It provides actionable steps for prioritizing high-interest debt, maintaining financial stability, and celebrating small wins along the debt payoff journey. Key takeaways include reframing debt, using the Avalanche method for payments, ensuring safety nets remain untouched, and integrating joy into the financial planning p...2025-05-1816 minWealth Para Todos: Financial Security through Self-Care#14: How to Use Sinking Funds to Save for Joy, Rest, and Real LifeLink to Register for the Free Webinar
In this episode, Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, explains the importance of sinking funds for Black, Indigenous, People of Color (BIPOC), women, and LGBTQ+ communities aiming for early retirement without compromising wellness.
The host announces a free webinar on May 13th and then dives into the concept of sinking funds, explaining their purpose, how they differ from emergency funds, and the steps to set them up.
Listeners will learn about the emotional benefits of sinking funds, prioritizing joy and long-term planning, a...2025-05-1129 minWealth Para Todos: Financial Security through Self-Care#13: How First-Gen Wealth Builders Can Save One Month of ExpensesIn this episode, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, focuses on helping first-generation wealth builders achieve stage four of financial security which entails saving one month of expenses.
Soledad discusses overcoming guilt, fear, or shame around saving, developing key beliefs necessary for financial progress, identifying essential financial literacy skills, and cultivating habits that support ongoing savings and financial stability.
Soledad also celebrates the podcast reaching 1,000 downloads and sets a personal goal of 25,000 downloads within the first year. Listeners are encouraged to share the podcast and join an upcoming free webinar fo...2025-05-0420 min
The First Gen Coach: Career Development for Latinas and First Gen Professionals122. Three Self-Care Practices for Mental Health Awareness MonthHello friends, I am back! May is Mental Health Awareness Month, so this episode is all about self-care practices that can promote your mental health and wellbeing. As you know, I don’t shy away from talking about the broader social forces that can impact our daily lives and careers, and this episode is no different. I address the grim circumstances that are happening in the world, while creating space for the areas in our lives that are within our locus of control and can promote better mental health and wellbeing. Tune in for:...2025-05-0429 min
Yo Quiero DineroJefas y Mamás: How To Incorporate Self-Care Into Motherhood | Rita-Soledad Fernández Paulino | Wealth Para TodosEpisode 321 talks about how to incorporate self-care into motherhood, featuring return guest of the show Rita-Soledad Fernández Paulino of Wealth Para Todos. Listen now!Rita-Soledad Fernández Paulino is the founder and CEO of Wealth Para Todos, a money and self-care coaching company dedicated to empowering BIPOC, women, and LGBTQ+ communities.A Queer Mexican-American and former math teacher, Soledad turned their experience with autoimmune health issues, PTSD, and ADHD into a mission to teach others how to achieve financial independence without sacrificing their wellness.Wealth Para Todos provides coaching, education, and resources that...2025-04-2851 minWealth Para Todos: Financial Security through Self-Care#12: Checking Account Buffers 101: What They Are, Why You Need One, and How to Build ItIn this episode, host Rita-Soledad Fernandez Paulino discusses the importance of maintaining a checking account buffer as a form of financial self-care. They explain what a checking account buffer is, why it's crucial for financial wellness, and provides practical advice on how to create and maintain one—even for those with inconsistent incomes. Soledad shares their personal journey and offers insights into common mindset blocks that can hinder maintaining a buffer. They also provide a comprehensive formula for determining the right amount for your buffer and emphasizes the significance of reviewing your finances regularly to ensure financial stab...2025-04-2722 min
Life as a GringoGringo's Guide To: Financial Security Through Self-Care w/ Rita Soledad Fernandez PaulinoFor Financial Literacy Month, this week’s episode is with Rita-Soledad Fernández Paulino, former public school math teacher and founder of Wealth Para Todos. Soledad breaks down how she and her husband are on track to retire by 45—not through flashy schemes, but by shifting from survival mode to long-term wealth planning. We talk about the power of financial education in our communities, how Latinos can build wealth without coming from money, and why self-care isn’t just about spa days—it’s about building the life you actually want, one smart decision at a time. Instagram...2025-04-221h 05Wealth Para Todos: Financial Security through Self-Care#11: How to Talk About Money with Your PartnerIn this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino dives into the importance of dinero self-care for couples. They discuss how regular money dates can build financial trust, reduce anxiety, and enhance emotional intimacy. Soledad highlights the common challenges couples face in engaging in financial conversations and provides strategies to overcome them. They introduce the concept of dream dates to foster motivation and connection, and offers practical tips for conducting effective weekly money dates. The episode emphasizes that consistent financial check-ins are crucial for building a secure and joyful future together. 00:00 In...2025-04-2027 minWealth Para Todos: Financial Security through Self-Care#10: Building Financial Security Through Dinero Self-CareIn this episode, host Rita-Soledad Fernandez Paulino, a queer Mexican-American money and self-care coach, delves into the concept of Dinero Self-Care and its importance for financial security, especially for Black, Indigenous, people of color, women, and LGBTQ+ communities.
Soledad explains the 10 stages of financial security and highlights practical steps to enhance financial wellness without sacrificing emotional well-being.
Listeners learn about overcoming barriers such as money avoidance, financial shame, internalized beliefs, and societal pressures, and are guided on creating a sustainable Dinero Self-care routine.
The episode also underscores the significance of financial literacy and...2025-04-1321 minWealth Para Todos: Financial Security through Self-Care#9: The Wealth Building Cycle: 4 Steps to Sustainable Financial SecurityIn this episode of Wealth Para Todos, host Rita Soledad Fernandez Paulino introduces the wealth building cycle, designed to help marginalized groups achieve financial security without compromising their wellness.
The four essential components discussed are nurturing a positive money mindset, developing financial literacy, knowing your numbers, and increasing your income.
Soledad shares personal stories and strategies to illustrate how each component contributes to the cycle and stresses the importance of integrating politics into finance discussions. They conclude with actionable advice and an invitation to join them for personalized coaching. 00:00 Introduction to Wealth Para T...2025-04-0628 minWealth Para Todos: Financial Security through Self-Care#8: How to Practice Self-Care While Grieving and Still Build WealthIn this episode, host Rita-Soledad Fernández Paulino, a queer Mexican-American money and self-care coach, shares a deeply personal account of navigating self-care and financial planning during a season of grief.
Following the passing of her grandmother, Soledad departs from the planned topic of the wealth building cycle to discuss how they have adjusted their D.I.V.E.R.S.E. self-care routines. They emphasizes the importance of emotional expression, leaning on support systems, and adapting her financial care routine to manage the heavy emotional load.
The episode serves as a guide for listeners to...2025-03-3022 minWealth Para Todos: Financial Security through Self-Care#7: The Link Between D.I.V.E.R.S.E. Self-care and Financial SecurityIn this episode of Wealth Para Todos, host Rita Soledad Fernandez Paulino, a queer Mexican American money and self-care coach, explores the deep connection between self-care and financial security. Stress and burnout can impede financial planning, making budgeting and saving difficult.
Soledad introduces their concept of 'D.I.V.E.R.S.E. self-care,' an acronym for the seven types of self-care that support wealth building: dinero, interpersonal, vocational, emotional, restorative body, spiritual, and environmental self-care.
They emphasize that self-care is essential for mental clarity, emotional regulation, and overall wellness, all of which are c...2025-03-2326 minWealth Para Todos: Financial Security through Self-Care#6: How to Get Out of Financial DebtIn this episode of Wealth Para Todos, Rita-Soledad Fernandez Paulino, a queer Mexican American money and self-care coach, addresses the struggle many face in sticking to their financial plans. Soledad shares insights from a follower's story of falling into debt despite taking significant steps to improve their finances and mental health. They discuss why hiding credit cards isn't a solution and highlights the importance of understanding the root causes of spending habits. The episode delves into practical strategies such as setting up sinking funds, maintaining a checking account buffer, and leveraging debt strategically. Soledad encourages lis...2025-03-1618 minWealth Para Todos: Financial Security through Self-Care#5: How We Invested $100K: Our First-Gen Wealth Building JourneyIn this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino shares their journey to achieving a significant investment milestone. Broadcasting from downtown LA, Soledad recounts their early struggles with budgeting after a medical leave and their husband's job loss, and how these challenges catalyzed their financial planning. The episode delves into their strategic steps to reach 100K in investments, including aggressive 401k contributions and the importance of retirement calculators. Soledad emphasizes the value of starting small, planning backwards, and being persistent and curious about investing. Soledad also highlights the emotional dynamics involved in convincing...2025-03-0924 minWealth Para Todos: Financial Security through Self-Care#4: From Anxiety to Action: How I Built My Emergency Fund & Opened a Roth IRAIn this episode of Wealth Para Todos, host Rita Soledad Fernandez Paulino, a queer Mexican American money and self-care coach, shares their personal journey of achieving financial security. Focusing on the emotional and practical aspects, Soledad discusses her experience of saving $30,000 for an emergency fund, overcoming fears of investing to open a Roth IRA, and the importance of setting clear financial goals. They emphasize the need to create sinking funds for expected expenses and offers practical tips for others embarking on their financial journeys. By the end of the episode, listeners will gain insights on...2025-03-0220 minWealth Para Todos: Financial Security through Self-Care#3: Ditching Shame for Joy-filled Wealth BuildingIn this episode of Wealth Para Todos, host Rita-Soledad Fernandez Paulino shares her personal journey from shame-based financial practices to a joy-filled and sustainable approach to wealth building. Soledad recounts her experience of paying off $23,000 of student loan debt in four months using a punishing internal dialogue fueled by shame, a mindset she later realized was harmful. She offers insights into how shame and rigid financial goals can disrupt self-trust and emphasizes the importance of self-compassion and community support in financial planning.
Key lessons from this episode include rejecting shame as a motivator, practicing self-discipline with self-love...2025-02-2318 minWealth Para Todos: Financial Security through Self-Care#2: Breaking Limiting Money BeliefsIn this episode of Wealth Para Todos, host Soledad, a queer Mexican American money and self-care coach, dives into the common limiting beliefs many people, especially from marginalized communities, hold about money.
Soledad shares personal stories and insights on how beliefs like 'some people are born with money,' 'avoid credit cards,' and 'trading time for money is the only way to earn' have shaped her financial journey. They emphasizes the importance of shifting these mindsets to build financial security and offers actionable steps for listeners to reframe their beliefs and enhance their financial literacy. Soledad...2025-02-2321 minWealth Para Todos: Financial Security through Self-Care#1: From Medical Leave to Financial Success: The Story Behind Wealth Para TodosIn this episode, Soledad reflects on their journey from believing that saving $30,000 was impossible to now having $80,000 in savings, purchasing a million-dollar home with a significant down payment, and running a successful money and self-care business. The episode dives into the motivations and mission behind the Wealth Para Todos platform, emphasizing community support and self-care, and outlines what listeners can expect from the podcast moving forward.
List of personal finance books from POC authors.2025-02-2318 minWealth Para Todos: Financial Security through Self-CareWealth Para Todos TrailerDo you dream of becoming work-optional—working because you want to, not because you have to? If financial security feels out of reach, amor, you’re in the right place.
In this episode, I’m introducing Wealth Para Todos, a podcast dedicated to helping BIPoC, women, and LGBTQ+ folks create financial plans to retire early—without sacrificing their wellness, even in a capitalist world.
I’m your host, Rita Soledad Fernandez Paulino, a queer, Mexican American money and self-care coach on a mission to help you build wealth with compassion and intention.
Each week, you’...2025-02-0600 min
The Well Report30. Breaking Generational Money Trauma: A Guide to Sustainable Financial Success with Rita-Soledad Fernández PaulinoYour exhausted, overwhelmed brain cannot make good financial decisions, and that's by design.In this powerful conversation with Rita-Soledad Fernández Paulino, founder of Wealth Para Todos, we dive deep into the critical link between financial wellness and self-care. For marginalized communities especially, the path to financial freedom isn't just about numbers, it's about healing generational trauma and breaking free from survival mode thinking.Through their own journey from managing disability checks to building a thriving business, Soledad discovered that sustainable financial success requires more than just budgeting skills. The real transformation happens when we a...2025-02-0557 minThe First Gen Coach: Career Development for Latinas and First Gen Professionals114. Preventing and Managing BurnoutIn this episode, I get super vulnerable and transparent about the toll it’s taken to grow a business while working full time. Essentially, I was dealing with burnout and I didn’t even know it. Tune in to listen to how I recognized it, how I am prioritizing rest, and what you can do to manage and ideally prevent career burnout.
Key Takeaways:
Why prioritizing rest is essential for high achieving first gens.
How scheduling downtime will actually help you reach your goals faster.
How to reflect on what brings you joy and incorporate it into you...2025-01-2234 min
The Gay Podcast for Everyone40. It's all connected: a conversation with Rita-Soledad Fernández-Paulino of Wealth Para TodosI'm ending the year with a casual and enjoyable conversation with Soledad Fernández-Paulino (they/them), the founder and CEO of Wealth Para Todos, a money and self-care coaching company dedicated to empowering BIPOC, women, and LGBTQ+ communities.The overall topic of our conversation was gender roles in the household and how we shift traditional household tasks from gender to skill set or personal preference. However, this conversation ended up flowing in so many wonderful directions, and we touched on so many different topics, including: unconditional love versus unconditional acceptancethe importance of living in safe and af...2024-12-0839 min
Show Up Real277. Selling Financial Self Care from Rita-Soledad Fernández PaulinoToday I am joined by my long-time client and my money coach, Soledad. Soledad shares how she practices self care and how self care is an important part of her business.
Rita-Soledad is a Queer Mexican-American, former math teacher turned money & self-care coach. After years of dealing with various autoimmune health issues, PTSD, and ADHD, Soledad learned to use money as a tool to support their wellness and is now committed to teaching other progressive BIPOC, women, and LGBTQ+ folk how to do the same. Soledad wants to see you engage in D.I.V.E...2024-10-0855 min
Money NoticiasThe Importance of D.I.V.E.R.S.E. Self-Care for Financial Success with Soledad | WealthParaTodos#87: In this episode of Money Noticias Podcast, host, Israel and Sunem are joined by Soledad from Wealth Para Todos.Rita-Soledad Fernández Paulino is a Queer Mexican-American, a former math teacher turned money & self-care coach. After years of dealing with various autoimmune health issues, PTSD, and ADHD, Soledad learned to use money as a tool to support their wellness and is now committed to teaching other progressive BIPOC, women, and LGBTQ+ folk how to do the same. Soledad wants to see you engage in D.I.V.E.R.S.E. self-care daily because your wellness is e...2024-09-0940 minThe First Gen Coach: Career Development for Latinas and First Gen Professionals104. Managing Money Anxiety while Job SearchingMoney anxiety is a beast. In this episode, I talk through 5 steps you can implement to manage money anxiety while in your job search. I share my experience growing up low-income and continuing to earn a low salary even after I got my master’s degree, and how that led to making an “investment” decision out of desperation and lack of financial literacy. I talk about the lows that come with trying to make ends meet, and why being graceful with yourself if the absolute most important thing you can do while job searching.
Referenced Episodes:
76. Wh...2024-09-0558 min
WELLTHY Generation Podcast!45. Working Through Overwhelm of a Healing Journey with Soledad Fernandez-Paulino [Client]Send Naihomy encouraging words!💕What if transforming your health could also enhance your financial well-being? Join us for an eye-opening episode of the Wealthy Generation Podcast with my friend and former client, Soledad from Wealth Para Todos. From battling chronic illness to becoming an advocate for health and wellness, Soledad's story resonates with those feeling overwhelmed by life's challenges. We discuss the hesitation and fear that often accompanies significant health changes and explore how trusting oneself and making incremental adjustments can lead to a profound impact on personal health and the well-being of loved ones.Thr...2024-08-2232 min