<p><br></p><p>In this data-packed episode of <strong>Yo Quiero Dinero</strong>, <a href="https://www.instagram.com/yoquierodineropodcast/" rel="noopener noreferrer" target="_blank">Jannese</a> sits down with <a href="https://www.linkedin.com/in/marlene-orozco" rel="noopener noreferrer" target="_blank"><strong>Dr. Marlene Orozco</strong></a>, founder of <a href="https://www.stratifiedinsights.com/ " rel="noopener noreferrer" target="_blank">Stratified Insights</a> and lead researcher behind one of the most comprehensive studies ever conducted on <a href="https://latinoprosperity.org/research" rel="noopener noreferrer" target="_blank"><strong>Latina wealth in America</strong></a>. Together, they break down the receipts real numbers, real stories, and real systems that explain why Latinas continue to earn less, save less, and carry more financial responsibility, despite being one of the fastest-growing economic forces in the country.</p><br><p>This conversation goes beyond hot takes and dives into <strong>the structural barriers, cultural expectations, and systemic inequities</strong> shaping Latina wealth today from entrepreneurship and homeownership to caregiving, education, and retirement. If you’ve ever felt like you’re working twice as hard for half the reward… this episode will make you feel seen <em>and</em> fired up.</p><br><p><strong>What We Get Into</strong></p><p>00:00 Why this Latina wealth data matters</p><p>01:10 Meet Dr. Marlene Orozco</p><p>04:25 First-gen roots &amp; entrepreneurship</p><p>09:30 Necessity vs opportunity businesses</p><p>12:50 The Latina wealth paradox</p><p>17:45 The 27% pay gap explained</p><p>23:50 Entrepreneurship as a wealth strategy</p><p>29:55 Homeownership &amp; credit barriers</p><p>34:10 Retirement &amp; investment gaps</p><p>37:45 Financial first responders</p><p>47:40 The motherhood penalty</p><p>56:20 Hope, policy &amp; what’s next</p><br><p><strong>Key Takeaways</strong></p><ul><li><strong>Latinas are not behind because of bad choices — the system is working exactly as designed.</strong></li><li>Education and entrepreneurship <em>do</em> increase earning potential, but they are not enough without access to capital and policy support.</li><li>Caregiving, cultural expectations, and family responsibility significantly limit Latinas’ ability to save and invest.</li><li>Homeownership remains a primary wealth strategy, but affordability, credit access, and insurance risks threaten long-term stability.</li><li>Real change requires <strong>structural solutions</strong>, not just individual financial literacy.</li></ul><p><br></p><br><p><strong>Resources Mentioned</strong></p><ul><li>REPORT - Latina Wealth In America:&nbsp;<a href="https://latinoprosperity.org/research" rel="noopener noreferrer" target="_blank">https://latinoprosperity.org/research</a>,</li><li>Latino AI Summit:&nbsp;<a href="https://tinyurl.com/latinoaisummit2026" rel="noopener noreferrer" target="_blank">https://tinyurl.com/latinoaisummit2026</a>&nbsp;</li><li>Stratefied Insights:&nbsp;<a href="https://www.stratifiedinsights.com/" rel="noopener noreferrer" target="_blank">https://www.stratifiedinsights.com/</a>&nbsp;</li><li>Marlene's LinkedIn:&nbsp;<a href="https://www.linkedin.com/in/marlene-orozco" rel="noopener noreferrer" target="_blank">https://www.linkedin.com/in/marlene-orozco</a></li><li><a href="http://courses.yoquierodineropodcast.com/reset" rel="noopener noreferrer" target="_blank">Free Download: <em>New Year Dinero Reset Guide</em></a></li><li>My private membership: <a href="https://courses.yoquierodineropodcast.com/founders" rel="noopener noreferrer" target="_blank">https://courses.yoquierodineropodcast.com/founders</a></li><li>Have a question? Leave me a <a href="https://www.speakpipe.com/msg/s/449160/2/u79sz3qexqzyh0" rel="noopener noreferrer" target="_blank">voicemail</a></li><li>Book:<a href="https://open.acast.com/financiallylitbook.com" rel="noopener noreferrer" target="_blank"> <em>Financially Lit</em> by Jannese Torres</a></li></ul><p><br></p><br><p><a href="https://www.ideatolaunchpodcastproductions.com/" rel="noopener noreferrer" target="_blank">This podcast was produced and edited by Idea to Launch Productions</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>