Wealth Para Todos: Financial Security through Self-Care

About 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!

Publisher

Rita Soledad Fernandez Paulino

Category

education · education · health & fitness

Language

en

Explicit

No

First episode

6 Feb 2025

Latest episode

4 Oct 2026

Latest episodes

88 episodes in the feed.

1. 

   4 Oct 2026

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

   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 (http://www.wealthparatodos.com/) Instagram: https://www.instagram.com/wealthparatodos (https://www.instagram.com/wealthparatodos/) LinkedIn: https://www.linkedin.com/in/wealthparatodos (https://www.linkedin.com/in/wealthparatodos/) Threads: https://www.threads.com/@wealthparatodos (https://www.threads.com/@wealthparatodos) Join the Wealth Para Todos email community here. (https://mail.wealthparatodos.com/)

2. 

   27 Sept 2026

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

   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 (http://www.wealthparatodos.com/) Instagram: https://www.instagram.com/wealthparatodos (https://www.instagram.com/wealthparatodos/) LinkedIn: https://www.linkedin.com/in/wealthparatodos (https://www.linkedin.com/in/wealthparatodos/) Threads: https://www.threads.com/@wealthparatodos (https://www.threads.com/@wealthparatodos) Join the Wealth Para Todos email community here. (https://mail.wealthparatodos.com/)

3. 

   20 Sept 2026

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

   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 (https://wealthparatodos.com/wealth-para-todos-sales-1) is open. Attend the open house on September 22 (https://calendly.com/talkdinero/wpt-academy-open-house) 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.

Who has been a guest on Wealth Para Todos: Financial Security through Self-Care

Names identified in recent episode analyses. Showing up to five guests.

• Ruby Oluch
• Nathalia
• Carla Santamaria
• Rita-Soledad Fernández Paulino

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

5.0 / 5

20 ratings

Spotify

5.0 / 5

20 ratings

Podcast Authority Score: 39 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

58

Social presence

0

YouTube

0

Engagement

51

Contact Wealth Para Todos: Financial Security through Self-Care

Guest appearances

Does not typically book guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.

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