Wealth Para Todos: Financial Security through Self-Care

On this weekly podcast, I’ll teach you how to practice D.I.V.E.R.S.E. self-care daily, build financial literacy, review your finances with ease, and grow your income. Poco a poco, we’ll build financial security through self-care juntos!

Wealth Para Todos: Financial Security through Self-Care is a education podcast hosted by Rita Soledad Fernandez Paulino, with 86 episodes on record and a Required Pod Score of 80.

Rita Soledad Fernandez Paulino hosts Wealth Para Todos: Financial Security through Self-Care, a education show with 86 episodes published.

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  Wealth Para Todos: Financial Security through Self-Care

  #87: How to Build Financial Security as a Stay-at-Home Mom - Violeta's Story

  Oct 4, 202621 min

  How can you build financial security as a stay-at-home mom when you’re not currently earning a paycheck? In this episode of Wealth Para Todos , host Rita Soledad Fernández Paulino (they/them), a queer Mexican-American money and self-care coach, talks with Wealth Para Todos Academy member Violeta Garcia about managing money, investing for retirement, and building financial security as a stay-at-home mom of three daughters. Violeta shares how becoming a stay-at-home mom challenged the way she thought about money and her contribution to her family. She discusses learning to recognize the financial value of unpaid labor, including childcare, cooking, and managing her family’s finances, while letting go of the belief that earning an income is the only way to contribute financially. Soledad and Violeta also discuss practical strategies for managing stay-at-home mom finances, including knowing your numbers, using sinking funds and emergency savings, automating household bills, having money conversations with your partner, and preparing for future expenses. Violeta also shares how she continues investing for retirement even though she is not currently employed. Through spousal IRA rules, she contributes to her Roth IRA using household earned income and invests for the long term using index funds and ETFs. As the first person in her family to have a Roth IRA, Violeta reflects on what it means to learn about investing and retirement as a first-generation wealth builder. They also talk about self-care, motherhood, financial partnership, and why building wealth can look different during seasons of caregiving. In this episode, you’ll learn: How a stay-at-home mom can contribute financially without earning a paycheck Why unpaid childcare and household labor have financial value How Violeta manages checking, savings, sinking funds, and emergency savings How couples can approach household finances as a partnership How stay-at-home spouses may be able to contribute to an IRA using spousal IRA rules How Violeta invests in her Roth IRA for long-term retirement goals What it’s like to be the first person in your family to invest through a Roth IRA How financial security and self-care can support each other during a season of caregiving If you’re a stay-at-home mom or parent wondering how to save, invest, prepare for retirement, or feel more financially secure without your own paycheck, this conversation is for you. Timestamps 00:00 — Welcome and Mission 00:21 — Meet Violeta Garcia 01:04 — Why She Renewed Wealth Para Todos Academy 02:12 — Stay-at-Home Mom Mindset and the Value of Unpaid Labor 05:19 — Knowing Your Numbers and Building Financial Security 06:40 — Household Accounts, Savings, and Automated Bills 08:36 — Money Dates, Partnership, and Shared Financial Values 10:50 — Roth IRA and Spousal IRA Rules for Stay-at-Home Moms 12:54 — Choosing Long-Term Investments 13:33 — Becoming a First-Generation Investor 14:16 — Self-Care as a Stay-at-Home Mom of Three 16:47 — Podcast Education vs. Personalized Financial Coaching 17:54 — Money, Motherhood, and Investing in Yourself 19:36 — Wrap-Up and Disclaimer Connect with Soledad Website:   www.wealthparatodos.com   Instagram:  https://www.instagram.com/wealthparatodos LinkedIn:  https://www.linkedin.com/in/wealthparatodos Threads:  https://www.threads.com/@wealthparatodos   Join the Wealth Para Todos   email community here. 

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  Wealth Para Todos: Financial Security through Self-Care

  #86: What to Do When Buying a Home Doesn’t Feel Like You Imagined

  Sep 27, 202619 min

  You bought the house you worked so hard for. So why do you feel less financially secure? In this episode of Wealth Para Todos , host Rita Soledad Fernández Paulino (they/them), a queer Mexican-American money and self-care coach, shares what happened after they bought a $1.1 million fixer-upper in California. Before the purchase, Soledad was debt-free, at stage nine of financial security, and investing $32,500 a year toward early retirement. A $916,000 mortgage raised their monthly housing costs by about $2,000 and moved them to stage eight. The adjustment involved more than a new budget. Soledad shares how a wildfire evacuation days after moving in, grief, renovation delays, and feeling out of place in their new neighborhood affected their relationship with the home. It took about 15 months to adapt to a dream they had wanted for years. If you’re experiencing homebuyer’s regret or wondering how to rebuild savings after buying a house, this conversation will help you: Understand why homeownership can feel like a financial setback Review your new housing costs and monthly cash flow Plan for repairs with a home maintenance sinking fund Rebuild your savings one milestone at a time Make room for fear, grief, and gratitude while you adjust Chapters 00:00 Welcome to Wealth Para Todos 00:21 Why buying a dream home can feel like going backward 00:59 Family beliefs about homeownership and early saving 02:18 Becoming debt-free and reaching stage nine 03:29 The cost of buying a home in California 05:29 Wildfire evacuation and homebuyer’s regret 06:52 Grief, renovation delays, and feeling out of place 08:08 A limpia and reconnecting with home 09:30 Both-and thinking during a financial transition 12:39 How to review your new homeownership costs and cash flow 13:53 Rebuilding savings one milestone at a time 16:16 Financial security after buying a house 17:15 Rate or review the podcast Connect with Soledad Website:   www.wealthparatodos.com   Instagram:  https://www.instagram.com/wealthparatodos LinkedIn:  https://www.linkedin.com/in/wealthparatodos Threads:  https://www.threads.com/@wealthparatodos   Join the Wealth Para Todos   email community here.   

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  Wealth Para Todos: Financial Security through Self-Care

  #85: How to Choose a Financial Professional: Financial Advisors, Brokers, CFPs, Money Coaches, Fees, and Red Flags

  Sep 20, 202622 min

  How do you choose a financial professional—and what does the title “financial advisor” actually mean? In this episode, Rita Soledad Fernández Paulino, founder of Wealth Para Todos, explains how to find and vet a financial advisor as a first-gen wealth builder. They break down the differences between brokers, investment advisers, Certified Financial Planner™ professionals, and money coaches so you can determine which type of support fits your needs. You’ll learn: The difference between a broker and an investment adviser What fiduciary duty means and when it applies What a CFP® professional can—and cannot—do When to work with a financial planner versus a money coach How commissions, assets-under-management fees, and other compensation models can create conflicts of interest The difference between fee-only and fee-based financial professionals How to calculate the total cost of financial advice What to consider before working with an advisor through your employer or bank How to verify credentials, registrations, employment history, and disciplinary records Five questions to ask before hiring a financial professional Common financial advisor red flags to watch for Soledad recommends interviewing at least three professionals and independently researching every referral. A trusted friend, employer, or bank may introduce you to someone, but you still need to understand their qualifications, scope of services, compensation, and potential conflicts of interest. This episode also explores what first-gen wealth builders may need from a culturally responsive financial professional—including respect for family responsibilities, caregiving, financial trauma, wealth guilt, neurodivergence, and changing capacity. Enrollment for Wealth Para Todos Academy is open. Attend the open house on September 22 to explore the program, ask questions, and determine whether it is the right fit for you. Timestamps 00:00 Welcome and Mission 00:21 What Does “Financial Advisor” Mean? 01:25 Broker vs. Investment Adviser 02:27 Fiduciary Duty Explained 04:01 What Does a CFP® Professional Do? 06:01 CFP® Professional vs. Money Coach 07:10 The Scope and Limitations of Money Coaching 09:13 Finding a Financial Professional Who Understands You 11:02 Where to Find and Verify Financial Professionals 12:03 Advisors Through Your Employer or Bank 15:05 Financial Advisor Fees and Conflicts of Interest 17:28 Five Questions to Ask Before Hiring an Advisor 18:24 Financial Advisor Red Flags 19:50 Key Takeaways 20:36 Wealth Para Todos Academy Invitation 21:29 Closing and Educational Disclaimer Disclaimer: This podcast is for educational and informational purposes only. It does not provide individualized investment, tax, insurance, or legal advice.

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  Wealth Para Todos: Financial Security through Self-Care

  #84: How to Build a Self-Care Routine That Actually Changes Your Life

  Sep 13, 202617 min

  What if self-care wasn’t just something you turned to when you were already overwhelmed? For years, I practiced mostly reactive self-care. I waited until my house was intolerably messy to clean it, until my body hurt to get a massage, until my marriage was struggling to communicate my needs, and until I was worried about my spending to pay attention to my dinero. Con tiempo, I realized I didn’t want to wait until something became a problem to take care of myself. In this episode of the Wealth Para Todos Podcast, I’m sharing how my understanding of self-care evolved from face masks and massages to the D.I.V.E.R.S.E. Self-Care framework I use today: dinero, interpersonal, vocational, emotional, restorative body, spiritual, and environmental self-care. We’ll talk about the difference between reactive and proactive self-care , how I use quarterly intentions, monthly outcomes, and daily practices to build self-care habits, and why some of the things that feel completely natural to me today once had to be written on a freaking checklist. I also break down the difference between comfort-oriented and growth-oriented self-care , how perfectionism can turn self-care into another thing you feel like you’re failing at, and why I now treat my self-care practices as data instead of something I need to do perfectly. Because self-care isn’t only about helping yourself feel better when you’re overwhelmed. It can also be a way to intentionally practice becoming the person you want to be— poco a poco . In this episode, you’ll learn: The seven types of D.I.V.E.R.S.E. Self-Care The difference between proactive and reactive self-care How to identify which type of self-care you need in your current season How I turn 90-day intentions into monthly experiments and daily habits The difference between comfort-oriented and growth-oriented self-care How self-care helped me change the way I show up as a parent, spouse, business owner, and person How to build a self-care routine without turning it into another perfectionist checklist Ready to stop starting over with money? Join me for my free webinar, How to Stop Starting Over With Money , on Tuesday, September 15th. I’ll help you figure out where you currently are in your financial security journey and what to focus on during the final months of 2026 so you can work toward saving, paying off debt, or investing $5,000 in 90 days . Immediately after the webinar, doors open to Wealth Para Todos Academy . If you know what you want to change with your money but want support actually following through, the Academy will help you build the financial planning skills, systems, habits, and self-care practices to do it. Register for How to Stop Starting Over With Money Here. Timestamps 00:00 Welcome to Wealth Para Todos 00:21 How Self-Care Can Shape Who You Become 01:26 Self-Care Is More Than Face Masks and Massages 02:45 Anxiety, Caregiving, and Putting Yourself Last 03:29 What Money Coaching Taught Me About Self-Care 04:31 The 7 Types of D.I.V.E.R.S.E. Self-Care 04:47 Reactive vs. Proactive Self-Care 07:17 My 90-Day Self-Care Intentions 08:29 Practicing the Person You Want to Become 10:27 Comfort-Oriented vs. Growth-Oriented Self-Care 11:37 When Perfectionism Takes Over Your Self-Care Routine 13:35 Stay Cute and Curious: Self-Care Is Data 14:00 How to Choose the Self-Care You Need Right Now 15:02 How to Stop Starting Over With Money + WPT Academy 16:01 Closing + Disclaimer Connect with Soledad Website:   www.wealthparatodos.com   Instagram:  https://www.instagram.com/wealthparatodos LinkedIn:  https://www.linkedin.com/in/wealthparatodos Threads:  https://www.threads.com/@wealthparatodos   Join the Wealth Para Todos   email community here. 

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  Wealth Para Todos: Financial Security through Self-Care

  #83: Tracking Your Expenses: When It Helps You Reach Your Financial Goals (and When It Doesn't)

  Sep 6, 202624 min

  Tracking your expenses can help you understand where your money is going, create a realistic budget, and determine how much money you have available to save, invest, pay off debt, and reach your financial goals. But does tracking every expense actually help? How long should you track your spending? And can tracking your expenses help you plan for unexpected expenses? In this episode of Wealth Para Todos, money and self-care coach Rita Soledad Fernández Paulino (they/them) explains how tracking your expenses can help you fine-tune your financial goals—and when tracking can actually become counterproductive. Soledad shares their experience tracking every transaction for an entire year and how what started as a way to understand their spending eventually became connected to guilt, shame, control, and the belief that being “good with money” meant knowing where every dollar went. You’ll learn the difference between tracking your money to gather useful financial information and tracking your money for reassurance. Soledad breaks down signs that tracking may be anxiety-driven, including repeatedly checking your accounts, panicking over small deviations from your budget, restricting your spending to compensate for overspending, trying to prevent every financial surprise, and never feeling like you’re finished monitoring your money. You’ll also learn when tracking your expenses can actually be useful. Tracking may help when you’re creating a budget for the first time, trying to understand where your money is going, accumulating credit card debt without understanding why, adjusting to a change in income or life circumstances, or determining how much money you can realistically put toward a financial goal. Soledad recommends approaching tracking as a temporary financial tool. For many people, tracking expenses for 30–90 days can provide enough information to identify spending patterns and make financial decisions. Once you have the information you need, the goal is to move from monitoring every transaction toward building financial systems that help you prepare for unexpected expenses—including a checking account buffer, sinking funds, emergency savings, and a financial plan that can adapt when life doesn’t go according to plan. In this episode, you’ll learn: How tracking your expenses can help you reach your financial goals How tracking expenses can help you create and fine-tune a realistic budget When you should track your spending and how long to do it How to use tracking to determine how much you can save, invest, or put toward debt How to plan for unexpected expenses without trying to predict every expense The difference between financial awareness and anxiety-driven tracking Why tracking every dollar isn’t necessary for long-term financial security How to move from tracking individual transactions to trusting your financial systems Timestamps 00:00 Welcome and Mission 00:21 Tracking vs. Reassurance 01:34 My Year of Tracking 03:27 From Control to Financial Systems 05:10 Signs Your Spending Tracking May Be Anxiety-Driven 07:37 Why Financial Anxiety Can Lead to More Tracking 11:46 Building Financial Safety Systems 15:37 When Tracking Your Expenses Helps 17:40 How Long Should You Track Your Expenses? 20:30 Key Takeaways 22:12 Free Webinar: How to Stop Starting Over With Money 23:27 Disclaimer   Wealth Para Todos Academy opens for enrollment September 15.  If you want me as your money and self-care coach for the next 12 months, sign up for my free webinar,  How to Stop Starting Over ,  right here. Connect with Soledad Website:   www.wealthparatodos.com   Instagram:  https://www.instagram.com/wealthparatodos LinkedIn:  https://www.linkedin.com/in/wealthparatodos Threads:  https://www.threads.com/@wealthparatodos   Join the Wealth Para Todos   email community here. 

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