Yo Quiero Dinero

What if I told you that you could travel the world without maxing out your credit cards?In this episode, I'm sitting down with Jess from The Sugar Daddy Podcast to talk about something that's been a game changer for me: travel hacking. And no, this isn't some shady scheme. This is about using credit card rewards strategically so you can live your best life without the financial hangover. Jess and her husband run a financial literacy podcast that's all about normalizing money conversations in Black and Brown communities, and she's breaking down exactly how she's been able to travel to places like Aruba without going broke in the process.WE GET INTO:00:00 Meet Jess from The Sugar Daddy Podcast03:12 Why money is still taboo in Black & Brown communities07:29 The American Dream is dead – now what?15:45 How rich families talk about money differently22:30 Travel hacking 101: The basics28:15 Strategic credit card spending categories35:40 Which credit cards to start with (and avoid)42:20 Credit score mistakes that will tank your strategy49:40 Do you need an emergency fund first?50:32 Getting started: First steps for beginners52:02 Where to find Jess and more travel hacking tipsKEY TAKEAWAYS:Money being taboo in our communities is literally keeping us broke – start normalizing financial conversations at homeRich families have quarterly money meetings and family investment funds. These tools are accessible to us tooThe old "work 40 years, retire with a pension" model doesn't work anymore – we need new strategiesTravel hacking works, but ONLY if you can pay off your credit card every monthYou need an emergency fund BEFORE you start travel hacking – life will lifeStart with low annual fee cards like Chase Sapphire or Capital One Venture ($95 or less)Close predatory store credit cards immediately if you're not paying them off monthlyEven small amounts add up – imagine 30 cousins each contributing $150/year to a family investment clubUse referral links for sign-up bonuses to maximize your points from day oneRESOURCES MENTIONED:point.meChase Sapphire CardVenture One CardAmerican Express CardCONNECT WITH JESSWebsite Instagram ​TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.  Hosted on Acast. See acast.com/privacy for more information.

At the time of recording this episode, Bad Bunny has just made history—TWICE. First Spanish-language artist to win Album of the Year at the Grammys. Then he delivered the most-watched Super Bowl halftime show of ALL TIME. But this episode isn't just about celebrating Benito's wins (though we're absolutely doing that too). It's about what this moment means for ALL of us—especially right now, when being Latino has been demonized and criminalized in this country.Just a heads up that this episode is a replay of a recent Instagram live I did post-superbowl and the audio reflects that in some parts. WE GET INTO:0:00 - Intro: Happy Puerto Rican Month!2:42 - The Best Halftime Show Ever4:47 - Why Unity Over Division Matters Right Now7:12 - Bad Bunny's Cultural Impact & Timing9:38 - The American Dream Story We Can All Relate To15:30 - Breaking Down THAT Grammy Win22:15 - Benito's Activism: From Day One28:45 - The Super Bowl Performance Analysis35:20 - Ricky Martin's Powerful Appearance40:10 - Understanding "El Apagón" & Puerto Rico's Reality45:02 - Hurricane Maria's Lasting Impact47:06 - How Non-Puerto Ricans Can Actually Help48:30 - The Flag Parade & Unity Message50:48 - Community Growth & Connection52:50 - Closing: Rock Your Flags & Stay PoderosaKEY TAKEAWAYS:Bad Bunny became the first Spanish-language artist to win Album of the Year at the GrammysHis Super Bowl halftime show was the most-watched of all timeThis moment represents Latino power, visibility, and refusal to stay smallBenito's activism isn't performative—he's been consistent since day oneThe halftime show featured powerful moments like the kid sleeping in the chair, the flag parade, and Ricky Martin's appearancePuerto Rico cannot vote for president and has no voting representation in CongressWe can support Puerto Rico by staying at locally-owned businesses, eating at local restaurants, and voting for representatives who support pro-Puerto Rico policiesReading Puerto Rico's history reveals shocking treatment by the U.S. including birth control testing, military testing, and bombingUnity over division is the path forward—they want us divided to maintain controlWe are taking over the world on our own terms, in our own language, for our own peopleThis is a reminder to rock our flags, tell our stories, and stay loudTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.  Hosted on Acast. See acast.com/privacy for more information.

This episode is going to shift how you think about success, abundance, and where you belong. I'm sitting down with my vecina, Rebecca Gitana Torres, a spiritual guide who rematriated to Puerto Rico after realizing the American Dream was never meant for people like us. We're talking about what holistic abundance actually means—and spoiler alert, it has nothing to do with your bank account or where you live.Rebecca shares her journey from working a city job in the Bronx to creating “transformation cocoons” in Puerto Rico, and why so many of us have been taught the colonial lie that we need to leave our homelands to find abundance. We talk about the generational programming that keeps us chasing external validation, why you need to stop clinging to old identities and relationships, and how to tap into your magnetic energy no matter where you are. If you've been feeling stuck, unfulfilled, or like you're chasing someone else's version of success, this episode is going to give you permission to redefine everything.WE GET INTO:00:00 - Intro: Meeting My Vecina from Puerto Rico02:03 - Rematriation vs. Economic Refugees: Reclaiming Our Roots06:09 - How Rebecca Left Her City Job 20 Years Ago08:27 - Why External Validation Will Always Leave You Empty13:45 - Discovering Your Value in "Regular" Jobs22:30 - The Mothership: Creating Matriarchal Safe Spaces28:40 - Stop Clinging to Old Identities & Relationships35:09 - What Happens in a Transformation Cocoon39:17 - Start Here: Clear the Clutter FirstKEY TAKEAWAYS:The colonial lie that you must leave your homeland to find abundanceHow to disconnect from external validation and find your internal powerWhy clinging to old identities keeps you stuckThe importance of clearing clutter before anything elseHow to recognize and develop your spiritual gifts in any jobCONNECT WITH REBECCA:Website Instagram YouTube TAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.

Episode 1

This episode is going to be one of the most honest conversations I’ve ever had on Yo Quiero Dinero. It's a raw, unfiltered conversation about what happens when you mix family and business—and spoiler alert: it gets messy as hell. My sister Lianne is back after a year-long hiatus, and we're spilling ALL the tea. From her rapid social media growth that turned into a nightmare with death threats, to being diagnosed with MS at 37, to almost filing for bankruptcy—this episode holds nothing back.We talk about what it was really like when she worked for me while I was a brand new mom, how her personal struggles spilled into the business, and why we ultimately had to make the difficult decision to part ways professionally. This isn't some sanitized "family business success story", it is the real shit that nobody talks about.If you've ever worked with family, hired a family member, or wondered if you should mix business with blood, this episode is required listening.WE GET INTO: 00:00 - Intro: Family, Business & Messy Dynamics02:03 - From 0 to 100K Followers to Death Threats05:03 - MS Diagnosis, Hospitalization & Bankruptcy07:20 - "I Was a Horrible Employee": Taking Accountability10:58 - The Performance Improvement Plan & Final Warning30:38 - The Money Problem: 1099 Tax Chaos37:26 - Digging Out of the Spiral: The Brutal Reality41:36 - Landing the New Job & Finding Peace54:56 - The 2026 Comeback: What's Different This Time58:29 - Should You Work with Family? The Real AnswerKEY TAKAWAYS:​​The gift and curse of rapid social media growthWhy follower counts don't equal moneyHow to navigate difficult conversations with family in businessRecognizing when a business relationship has reached its expiration dateThe importance of boundaries in ALL relationshipsHow to rebuild after burning everything downRESOURCES MENTIONED:Listen: Episode 179: 2 Sisters, 2 Survivors | Lianne Torres | Watch Us Thrive PodcastErica KramerCONNECT WITH LIANNE:WebsiteInstagram: @watchusthrivepodcastTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book: Financially LitLeave me a voicemail*Content Warning: This episode contains discussions of mental health struggles, financial hardship, and online harassment.This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.