Shows
Beginner Real Estate Investing Tips for Latinas | Real Estate Jefas16. 2025 Rental Property Portfolio RECAP from a Tough Year2025 wasn’t the year of effortless cash flow or viral success stories. It was the year of hard-earned lessons, unexpected expenses, and learning how to pivot under pressure.In this episode, Violeta Sandoval sits down with fellow investor Lindsay to unpack the real numbers and raw realities behind their rental portfolios. This isn’t a polished highlight reel — it’s a clear-eyed breakdown of what actually happened in their real estate businesses last year.We open up about:Which properties underperformed and whyHow eviction timelines disrupted their financial projectionsWhat cash flow really looks li...
2026-01-2818 min
Latina Financial Education, Investing & Wealth Building: MoneyChisme112.Planning for Immigrant Parents' Retirement: A First-Gen GuideShare Your Thoughts!This step-by-step addresses the unique challenges faced by first-generation immigrants in planning for their aging parents' retirement. In this rerun episode, I share the importance of understanding their current financial situation, setting retirement goals, and creating a comprehensive budget that includes healthcare and emotional support considerations. Violeta also highlights the cultural expectations that often place financial responsibility on the children of immigrant families, and the need for careful planning to balance these responsibilities with personal financial goals.Get more chisme on the blog:https://moneychisme.com/navigating-the-unique-challenges-of-retirement-planning-of-first-generation-immigrant-parents/
2025-12-1616 minBeginner Real Estate Investing Tips for Latinas | Real Estate Jefas3. Should You Max Out Your 401(k) or Buy Real Estate?From playing it safe with 401(k)s and savings account to becoming rental property owners. Here is why not maxing out your retirement fund and investing in real estate can help you reach financial independence and retire earlier. Violeta shares how a military VA loan (and a little accidental house hacking) kicked off her investing journey. Lindsey opens up about burning out as a nurse during the pandemic — and why that moment pushed her to chase financial freedom now, not at 65.Get more chisme on the blog:https://moneychisme.com/why-two-latina-investors-invest-in-real-estate-vs-maxing-out-401ks
2025-10-1625 minBeginner Real Estate Investing Tips for Latinas | Real Estate Jefas3. Should You Max Out Your 401(k) or Buy Real Estate?From playing it safe with 401(k)s and savings account to becoming rental property owners. Here is why not maxing out your retirement fund and investing in real estate can help you reach financial independence and retire earlier. Violeta shares how a military VA loan (and a little accidental house hacking) kicked off her investing journey. Lindsey opens up about burning out as a nurse during the pandemic — and why that moment pushed her to chase financial freedom now, not at 65.Get more chisme on the blog:https://moneychisme.com/why-two-latina-investors-invest-in-real-estate-vs-maxing-out-401ks
2025-10-1625 minBeginner Real Estate Investing Tips for Latinas | Real Estate Jefas2. Scary Real Estate Walkthrough Stories | SpooktoberWalking through properties is a must for potential investment properties. But sometimes there are some unexpected surprises. We share our experiences with some scary property walkthroughs and what we would do different.Violeta recounts her first rehab experience, highlighting issues like mold and asbestos, while Lindsay shares a humorous yet alarming story about encountering fleas during a property visit. We also share some tips on how to stay safe during walkthroughs of rehab properties. Check out our youtube to watch the walkthrough videos. https://youtu.be/qRhfgEV3MaQMore Chisme & tips on the Bl...
2025-10-0927 minBeginner Real Estate Investing Tips for Latinas | Real Estate Jefas2. Scary Real Estate Walkthrough Stories | SpooktoberWalking through properties is a must for potential investment properties. But sometimes there are some unexpected surprises. We share our experiences with some scary property walkthroughs and what we would do different.Violeta recounts her first rehab experience, highlighting issues like mold and asbestos, while Lindsay shares a humorous yet alarming story about encountering fleas during a property visit. We also share some tips on how to stay safe during walkthroughs of rehab properties. Check out our youtube to watch the walkthrough videos. https://youtu.be/qRhfgEV3MaQMore Chisme & tips on the Bl...
2025-10-0927 minBeginner Real Estate Investing Tips for Latinas | Real Estate Jefas1. Fires and Floods! The Scary Side of Real Estate | SpooktoberFrom fires to flooding, Violeta and Lindsay we share our personal experiences with the challenges of real estate investing, focusing on the scary side of property management. Lindsay recounts her first BRRRR project, which took a turn when a fire broke out in her property, leading to unexpected costs and insurance dilemmas. Violeta shares her own experience with flooding in her properties, highlighting the importance of community support and learning from challenges in real estate. Together, they emphasize the need for resilience and adaptability in the face of unforeseen obstacles.Watch on Youtubehttps://youtu...
2025-10-0225 minBeginner Real Estate Investing Tips for Latinas | Real Estate Jefas1. Fires and Floods! The Scary Side of Real Estate | SpooktoberFrom fires to flooding, Violeta and Lindsay we share our personal experiences with the challenges of real estate investing, focusing on the scary side of property management. Lindsay recounts her first BRRRR project, which took a turn when a fire broke out in her property, leading to unexpected costs and insurance dilemmas. Violeta shares her own experience with flooding in her properties, highlighting the importance of community support and learning from challenges in real estate. Together, they emphasize the need for resilience and adaptability in the face of unforeseen obstacles.Watch on Youtubehttps://youtu...
2025-10-0225 min
The First-Gen CEO Podcast: For First-Gen Women Creating Their Own SuccessPodcast Episode 33: Empowering Latinos Through Real Estate with Violeta SandovalIn this powerful episode, Lucy Ortega interviews inspiring Violeta Sandoval, a first-generation Mexican immigrant, Navy veteran, and founder of @Money_Chisme. Violeta opens up about her incredible journey — from navigating life as an undocumented immigrant for over 20 years to creating a life of financial freedom through real estate investing.With honesty and heart, Violeta shares how her military service opened doors, including access to the VA home loan, which became a stepping stone in building her real estate portfolio. But her story goes far beyond finances — she speaks vulnerably about her personal journey with infertility and how real...
2025-04-1942 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP79 Bookkeeping Tips for Small Business and Entrepreneurs with Yaremi from QB NumbersShare Your Thoughts!Many small business owners often overlook how important bookkeeping is and leave it until tax season. However, bookkeeping is crucial to run a successful and profitable business. Yaremi from QB Numbers explains the importance of keeping books updated, distinguishing between roles of bookkeepers and accountants, and offers actionable advice on hiring and maintaining financial health.In this episode we cover:• Why bookkeeping is important for a profitable business• What is the difference between a bookkeeper and accountant• Consequences of neglecting bookkeeping• Tips for DIY bookkeeping using spreadsheets• When to se...
2025-02-1139 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP78 Cómo crear un plan de inversión para empezar a invertir AHORAShare Your Thoughts!Es hora de que la comunidad latina aprenda cómo invertir y generar riqueza. Pero muchos no saben cómo crear un plan de inversión para empezar a invertir. Bueno, ¡estoy cambiando eso! En este episodio les doy el chisme sobre:• Importancia de comprender su "por qué" al invertir • Cómo hacer un análisis de brechas de dónde quiere estar y dónde se encuentra ahora• Opciones de inversión disponibles • Por qué debería invertir en desarrollar su educación financiera• Precaución ante la volatilidad de las crip...
2025-02-0637 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP77 How to Create an Investment Plan to Start Investing NOWShare Your Thoughts!It's time that the Latino Community learns how to invest and build wealth. But many don't know how to create an investment plan to start investing. Well I'm changing that! In this episode I am giving you the chisme on:• Importance of understanding your "why" in investing • How to do a gap analysis of where you want to be and where you are now• Investment options available • Why you should invest in building your financial literacy• Caution against the volatility of cryptocurrency • Strategies for automating investments • and my lessons lea...
2025-02-0437 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP76 How to Practice Financial Self-Care for overall Financial Wellness with Soledad FernándezShare Your Thoughts!Let's talk about the connection between self-care and financial wellness! Prioritizing personal well-being can lead to financial success. Rita Soledad, founder of Wealth Para Todos, discusses the often overlooked relationship between self-care and financial wellness. Rita shares her personal journey from a public school math teacher to a money and self-care coach after facing significant financial challenges. She introduces her 'Wealth Building Cycle' and 'Diverse Self Care' framework, emphasizing the importance of self-care practices in achieving financial security and early retirement. Highlights of this episode!• The connection between self-care and personal fi...
2025-01-2838 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP75 Navigating Trump's 2025 Economic Storm: The Ultimate Survival Guide for Latinos with Lea LandaverdeShare Your Thoughts!The new Trump Administration is going to negatively impact the Latino Community, especially financially. How can you prepare your finances to ride out Trump's policies? In this episode, I am joined by Lea Landaverde, founder of RQZA co, who shares her tips from her "Protect the Bag" guide. It advocates for proactive measures such as establishing emergency funds, managing credit wisely, and engaging in estate planning to secure one's financial future.We cover:• Understanding the impact of political decisions on personal finance • The importance of financial literacy in combating economic anxie...
2025-01-2238 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP74 Empowering Latina Voices: Luzy's Journey from Student Debt to Financial IndependenceShare Your Thoughts!Reframing the stigma around debt is important for breaking the cycle of shame and achieving financial freedom. Luzy King, CEO of Say Hola Wealth, shares her practical strategies to manage debt effectively, emphasizing personal growth and the need for investing in financial knowledge and community support, rather than solely focusing on frugality and expense-cutting. Check out the Highlights of this episode!• Luzy's journey from a challenging financial background to becoming a personal finance advocate • Overcoming the stigma of debt • Understanding debt types and repayment methods • Increasing income through personal skills and...
2025-01-1447 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP73 Como Empezar Invertir en bienes raíces en 2025: 6 Pasos para empezarShare Your Thoughts!Descubre los 6 pasos esenciales para comprar tu primera propiedad de alquiler en 2025. Desde establecer tu visión, mentalidad y metas, hasta auditar tus finanzas, elegir una estrategia, analizar mercados, gestionar tu equipo y propiedad, y crear un plan a 5 años. Aprende cómo empezar tu camino hacia la libertad financiera con estos consejos claros y prácticos diseñados especialmente para nuevos inversionistas.Support the showSign Up for the MoneyChisme & Raíces Newsletter Join my Keys to Cashflow Rental Property Bootcamp https://moneyc...
2025-01-1117 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP72 6 Steps to Start Real Estate Investing in 2025: Build Generational WealthShare Your Thoughts!Ready to make 2025 the year you change your financial future? In this episode, I break down the 6 essential steps to start real estate investing, tailored specifically for the Latino community. From building the right mindset and setting clear goals to analyzing markets, managing properties, and creating a 5-year plan, you’ll get everything you need to start your journey toward financial freedom. If you’re dreaming of leaving a legacy, earning passive income, and learning from someone who’s been in your shoes, this episode is for you! Stick around for a special invitation to joi...
2025-01-0724 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP71 Kickstart Your 2025 Goals: Step-by-Step New Year Goals Bingo CardShare Your Thoughts!Ready to kickstart your 2025 goals? This year I am using a BINGO style format instead of a vision board. Join me, Violeta, on reflecting on the past year, set meaningful goals for 2025, practice gratitude, share lessons learned, and actionable strategies. Create a 2025 New Year Goals Bingo card to track your progress with me!Get the FREE 2025 New Year Goals Glow-Up guide to follow along!Episode Highlights:• Reflect on personal wins and highlights from 2024 • Learning from challenges and plan for proactive change • The importance of building social relationships and communit...
2025-01-0140 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP70 Love & Money: How to Talk Finances with Your Partner with Jessica PerroneShare Your Thoughts!When dating or in the early stages of marriage, it’s crucial to approach money topics calmly and without confrontation, creating a space for both partners to openly share their financial history and attitudes. This lays the groundwork for mutual understanding.Jessica Perrone, CEO and founder of Her Financial IQ, shares insights on having vital financial conversations with your partner. In this episode, we explore why discussing finances is key in both dating and marriage, offering personal stories and practical tips on budgeting, managing debt, setting shared financial goals, and preserving individual in...
2024-12-1739 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP69 Buy Back Your Time: The Key to Financial Freedom in Latino CommunitiesShare Your Thoughts!Does working hard always lead to success? Or can it sometimes hold us back? I dive into a mindset deeply ingrained in Latino and POC communities, the belief that relentless hard work equals moral value.Let's change this mindset and learn how to buy back our time. I share personal stories about the guilt of outsourcing tasks like housekeeping, meal prep, and childcare, and how these feelings often prevent us from fully enjoying financial success.What You’ll Learn:Why Latinos Feel Guilty About Delegating TasksHow to Use...
2024-12-1022 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP68 Unpacking Financial Anxiety and Trauma: Empowering the Latinx Community with Stephanie OlanoShare Your Thoughts!What if understanding your financial anxiety could unlock a healthier relationship with money? Join us as we welcome Stephanie Olano, a trailblazing financial trauma coach from Awkward Money, who sheds light on the silent struggles many face growing up with financial instability. Stephanie shares how the Latinx BIPOC community, in particular, can navigate the emotional currents of financial trauma and anxiety, offering insights into recognizing and overcoming these hidden hurdles. Stephanie and I dive into the powerful intersection of financial decision-making and mental health, with a spotlight on the Latinx community. We...
2024-12-0347 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP67 Overcoming Fear of Investing in the Latino Community to Achieve Financial FreedomShare Your Thoughts!Ready to take calculated risks by investing in Rental Properties? Sign up for my Rental Property Bootcamp! What if the fear of taking risks is the very thing holding us back from the financial freedom we dream of? Join me as I confront this fear head-on, inspired by personal experiences within the Latino community where financial stability has traditionally been prized above all else. Growing up, many of us were taught to sidestep debt and prioritize safe, predictable livelihoods. Yet, these well-intentioned lessons might be stifling our potential for wealth-building. Through my...
2024-11-2120 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP66 Money is Political: Latino Representation & Navigating Community Challenges TogetherShare Your Thoughts!The election results left our community feeling shocked and frustrated. In this episode, I’m getting real about the recent election results and breaking down the surprising voting trends among Latinos. This is more than a reaction—it's a call to understand how political decisions directly impact our finances and our comunidad. Money is political! It’s time we take charge, connect the dots between politics and our personal finances, and get smarter about how we vote and advocate for ourselves.I’ll also share how I plan to create more financial education...
2024-11-1232 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP65 Financial Independence and Neurodiversity: Shalese's Journey to Navigating Wealth with AutismShare Your Thoughts!What does it truly mean to navigate the world of personal finance and employment as a neurodivergent individual? Join us for an eye-opening discussion with Shalese from NeuroDivergent Millionaire, who shares her candid journey to financial independence while living with autism. Shalese Heard, an Autism Travel Influencer & Neurodivergent Money Girl, shares her journey toward financial freedom while facing obstacles in education and career due to her condition. The discussion tackles overcoming workplace stereotypes, the lack of accommodations, and the essential training needed for neurodivergent inclusivity.We unpack how mainstream financial a...
2024-11-0128 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP64 Real Estate Hustles and Creative Financing Hacks: Gabriela Ariza's Real Estate JourneyShare Your Thoughts!In the ever-evolving world of real estate, creative approaches can lead to significant financial rewards and long-term success. Whether you're just starting out or looking to grow your portfolio, thinking outside the box can open doors to unique opportunities. Gabriela Ariza, a cybersecurity and real estate investor on track for FI., shares her house hacking strategies, including renting out different property spaces and using low down-payment loans to maximize returns. She also opens up about the challenges she faced during her first property flip and emphasizes the importance of having cash reserves. T...
2024-10-2444 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP 63 How to Financially Prepare for the Unexpected Financial Disaster with Tanya TaylorShare Your Thoughts!Are you prepared to cover your bills and expenses if you find that you can't work due to an unexpected life event like a car crash? Well it happened to this week's guest, Tanya Taylor. Tanya Taylor, CEO and founder of Grow Your Wealth, shares her personal journey and a three-step plan to help us all be better prepared for life’s uncertainties. She also shares her three-step plan for financial preparedness, drawing from her personal experience of moving to the U.S., building wealth, and overcoming challenges after a car accident.
2024-10-1737 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP62 Overcoming the Fear of Real Estate Investing for BeginnersShare Your Thoughts!Real estate investing is scary and intimidating! This mindset stops many new investors from investing in rental properties. In this episode I give your tips on how to overcome your fear of real estate investing. I also discuss how to set a growth mindset, find your why and vision, and how to set goals, to help you get out of the sidelines and start investing in properties.Challenges like non-paying tenants or unexpected repairs can be scary, but with the right mindset, they become stepping stones to success. Discover the power of...
2024-10-1021 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP61 Real Estate Horror Stories: The Spooky Side of Rental Property InvestingShare Your Thoughts!In this Spooktober episode, I am diving into the dark, twisty tales of real estate investing gone wrong. From non-paying tenants who ghost you (literally) to property managers who disappear when you need them most, I am spilling all the tea on real estate's scariest mistakes. 👻Ever dealt with a realtor that gave you nothing but nightmares? Or maybe you've had a tenant who thought rent was just a suggestion? We've all been there, and today, we're sharing these horror stories with a sassy twist to help you learn from our boo-boos so...
2024-10-0329 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP60 Balancing Motherhood and Business as an Entrepreneur with Ruby ValenciaShare Your Thoughts!What if balancing motherhood and entrepreneurship could be less chaotic and more fulfilling? Ruby shares her tips on how to build a business as a stay-at-home mom. Ruby Valencia, a brand strategist and website designer, who launched her business during her pregnancy and the early months of her son's life. Her insights reveal how letting go of the traditional 9-to-5 mentality can lead to a more harmonious blend of work and parenting.Ruby discusses aligning your brand's values, goals, and vision with audience perception, offering practical tips and resources for aspiring entrepreneurs...
2024-09-2647 minLatina Financial Education, Investing & Wealth Building: MoneyChismeEP59 5 Financial Mistakes to Avoid: Lessons from My Younger SelfShare Your Thoughts!We have all made a lot of financial mistakes in our personal finance journeys.😬 Sometimes we wish that we could turn back the time and tell our past self to get it together! Here are my 5 financial mistakes to avoid that I have made in the past. In this episode I share my money mistakes on:From the critical importance of saving for emergencies to avoiding the pitfalls of low-yield savings accounts. How I started budgeting. Building a credit score: How not having a credit score affected me when loo...
2024-09-1921 min
Latina Financial Education, Investing & Wealth Building: MoneyChismeEP58 Navigating Credit Scores, Debt & Financial Cultural Barriers with Jessica PerroneShare Your Thoughts!Building financial literacy is important for overall financial wellness. From learning what a credit score is, to learning what is good debt versus bad debt, it can be a lot! Not to mention the cultural barriers with investing in the Latino community. Jessica Perrone, CEO and founder of Her Financial IQ, shares how her experiences shaped her understanding of hard work, frugality, and the importance of financial literacy. As she navigated her way through adulthood, she learned the ins and outs of personal finance, ultimately leading her to Wall Street.Je...
2024-09-1245 minLatina Financial Education, Investing & Wealth Building: MoneyChisme57. Redefining Financial Success: From Lavish Living to Smart InvestingShare Your Thoughts!What if your childhood dreams of luxury were just stepping stones to a more profound understanding of wealth? Join us on this reflective episode as we journey through the evolution of my financial mindset. Inspired by family drives through affluent neighborhoods and youthful promises of sleek cars and big houses, I embarked on a quest for affluence. But as life unfolded and I joined a mastermind group for real estate investing, my ambitions took a surprising turn. We'll unpack why first-generation Hispanic Latinos, like myself, often feel the pressure to prove themselves and how...
2024-09-0518 min