#16: Do you and your partner split expenses in an 'equitable' way? Meaning, does the higher income earner pay more?

In this episode, my partner of 2 years and I share how we manage money as a couple including, who pays for what, do we have joint bank accounts, does one pay more for 'fun' stuff and what happens when we have different POVs on spending?

We talk about the shame that can come up when 1 partner makes less than the other and the empathy required to have difficult money conversations.

In the second half of the episode, I throw some rapid fire audience questions at Edward, like:

1. How did we initiate the conversation around money?
2. How do we gift give in our relationship?
3. Do we use non violent communication when talking to each other?
4. What about pre-nups?

I told Edward to be honest in this interview. And I'm not going to lie.... he took that to heart. (phew)

You don't want to miss this episode!

⭐️⭐️RELATED PODCAST EPISODES:⭐️⭐️

1. Money Red Flags in Couples
2. How to Break Free from the Money Story Holding You Back
3. I Can't Afford to Go Out, How Do I Politely Tell My Friend
4. How I Saved Money On Housing By Renting A Room For Four Years

💸EXTENDED LEARNING💸

1. 'Aging' Your Money (Having a 30 day buffer)
2. Ramit Sethi on splitting expenses in an equitable way

RESOURCES:

💸Work 1:1 with Mariel here

💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them

💸Follow Mariel on Instagram

Want to learn more about a particular topic? Send your money questions over via Instagram.

Please leave a review to help me keep spreading the financial literacy word. Ciao!

Hosted on Acast. See acast.com/privacy for more information.

#15: Ever wonder why despite REALLY wanting to, and despite making a plan, and telling yourself over and over you'll do something, you just can't seem to make it happen? This episode is for the person who is done shaming themselves about it and who is READY to get to the root of why making a change is so hard. More specifically, it's for the person who is ready to take the action required to make a change.

⭐️⭐️Super Mega Spoiler⭐️⭐️

You aren’t taking action because your subconscious thoughts are overpowering your conscious ones.

Your brain is defaulting to survival patterns that have worked for you so many times before - but this keeps you playing small.

It’s time to explore your subconscious, rewire your habits, and take the action you're meant to.

Tune into this episode to hear:

1. A case study: How my unresolved experiences led to issues with self trust and visibility and how this led to not making big moves in business.
2. Learn how to witness and acknowledge YOUR limitations and break free from constrictive patterns that no longer serve you: lessons from Peter Krone aka the mind Architect.
3. Discern whether you want to live your best but limited life OR whether you are willing to break down your subconscious limitations and allow the abundance that's already yours to flow in.

⭐️⭐️After you finish this episode, Listen to Jasmine Star’s episode with Peter Krone aka the mind architect to REALLY wrangle with your subconscious mind⭐️⭐️

💸LISTEN TO RELATED EPISODES:💸

How to Break Free from the Money Story Holding You Back

Heal Your Money Mindset: How to Start Understanding Your Money Story

RESOURCES:

💸Work 1:1 with Mariel here

💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them

💸Follow Mariel on Instagram

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want to learn more about a particular topic? Send your money questions over via Instagram.

Please leave a review to help me keep spreading the financial literacy word. Ciao!

Hosted on Acast. See acast.com/privacy for more information.

#14: Business isn't ever what it seems💸

Social Media shows us the highlights - but what's REALLY going on behind the scenes?

In this episode, I'm sharing with you my FOR REAL 2024 numbers. It's true friend, I spent way more than I made. I also share with you some BTS of the mindset work required to build something from the ground up. That scarcity mindset ya'll. It's a sneaky thing. I share with you some of my struggles and what you can do to be mindful of your subconscious thoughts too.

Make sure you check out💸Episode 5💸to dive deeper into how my first gen Latina story kept me broke for far too long.

See you in the show!

⭐️⭐️RESOURCES:⭐️⭐️

💸Work 1:1 with Mariel here

💸Follow Mariel on Instagram

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want to learn more about a particular topic? Send your money questions over via Instagram.

Please leave a review to help me keep spreading the financial literacy word. Ciao!

Hosted on Acast. See acast.com/privacy for more information.

#13: What does financial abuse in families look like?💸

Can my own sibling inflict financial abuse on me? What about a cousin? A distant relative? The answer is absolutely.

1. In this episode, I went to Reddit to share some real life examples of financial abuse in families. Financial abuse is a spectrum, it can be something small or something that takes 100% of control from an individual.
2. Then, Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I have a conversation about money red flags in families. We also briefly touch on the financial burden that often is left to the child of an aging parent.
3. Finally, we discuss how even when our loved ones are healing money traumas of their own, it is not on us to be the solution to their every issue. There are other ways we can help, both empowering them and not inhibiting our personal growth.

💸Make sure you check out Episode 11 to learn the 4 step process of non-violent communication. Justine walked us through having a successful yet difficult money conversations with loved ones.

⭐️⭐️RESOURCES:⭐️⭐️

✨Reddit thread with real scenarios

✨Dopamine and effects on addictive behavior

💸Buy Justine's Book, GIRL, JUMP! Creating a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom

💸Work 1:1 with Mariel here

💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them

💸Follow Mariel on Instagram

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want to learn more about a particular topic? Send your money questions over via Instagram.

Please leave a review to help me keep spreading the financial literacy word. Ciao!

Hosted on Acast. See acast.com/privacy for more information.

#12: What does financial abuse in friendships even look like?💸

And why is it so hard to talk about money with friends?

In this episode:

1. I list some friend money red flags to look out for like being the ‘go to’ friend for money related things OR being pressured to spend more than you want to.
2. Then, Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I have a casual conversation about money red flags we’ve seen or experienced. (Ever get asked to be a bridesmaid but lowkey didn’t want to spend the money?)
3. Finally, I spill the tea ya’ll! I share some personal friend financial faux paus and where I am now in my own money healing journey.

Make sure you check out Episode 11 to learn the 4 step process of non-violent communication. Justine walked us through having a successful money conversation with a friend.

⭐️⭐️RESOURCES:⭐️⭐️

💸Follow Justine on Instagram

💸Buy Justine's Book

💸Info on Mariel's 1:1 3 Month Money Coaching here

💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them

💸Follow Mariel on Instagram

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want to learn more about a particular topic? Send your money questions over via Instagram.

Please leave a review to help me keep spreading the financial literacy word. Ciao!

Hosted on Acast. See acast.com/privacy for more information.

#11: Listen. Sometimes we just can't afford that thing that our friend/family wants us to do. And other times - we just don't want to spend our hard earned money there.

How do we communicate our needs lovingly? And without pissing our loved ones off?

Justine De Peralta, Certified Financial Education Instructor, Domestic Violence Counselor, and Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ walks me through the 4 steps of non-violent communication.

1. Share an observation
2. Share your feeling
3. Share your needs
4. Tie it together with a request: e.g. 'Would you be willing to have dinner at a non fine-dining restaurant'?

My friend, Justine De Peralta, is coming to San Antonio at the end of the month, and I only have $80 to spend during her time here. I practice using these 4 steps with this real life example on this episode! It was NOT easy.

Was Justine REALLY okay with this budget? How did I approach the conversation? And does it mean I'm cheap?

Tune in for this and so much more!

⭐️⭐️RESOURCES:⭐️⭐️

💸Follow Justine on Instagram

💸Buy Justine's Book

💸Info on Mariel's 1:1 3 Month Money Coaching here

💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them

💸Follow Mariel on Instagram

🥾Want to connect with nature and tap into self?🍃

Check out Ching@ Tu Money sponsor:

Emerge Educational Consulting

Join a walking adventure here.

Want to learn more about a particular topic? Send your money questions over via Instagram.

Please leave a review to help me keep spreading the financial literacy word. Ciao!

Hosted on Acast. See acast.com/privacy for more information.

#10: Financial Abuse can be hard to identify and is present in nearly 99% of total domestic violence cases.

What financial red flags do I look for in romantic relationships? How do I know if I am experiencing financial abuse?

Today Justine De Peralta, Author of ‘Girl, Jump: Building a Financial Safety Net to Leave an Abusive Relationship and Reclaim Your Freedom’ and I chat about some financial red flags to look out for.

Key Takeaways:

1. If something doesn't feel right when it comes to money in your relationship, explore that feeling. You are more capable than you know.
2. Financial Abuse is a spectrum. It can be total dependence on your partner. It can be your partner sabotaging your work. It can be your partner griping at every single purchase you make or being sneaky about their money. Listen to the signs your body gives you. Then, find your next right step.
3. Justine shares 3 general tips one could take to have more autonomy of their money. For a personalized safety exit plan, visit the resources linked below.

Justine is a Certified Financial Education Instructor, a Domestic Violence Counselor and Author. Justine specializes in helping BIPOC women and domestic violence survivors develop confidence and financial literacy skills needed to navigate challenging financial situations.

Help me spread this very important message and send this to someone you know NEEDS to hear this message.

⭐️⭐️RESOURCES:⭐️⭐️

IF YOU ARE IN IMMEDIATE DANGER, DIAL 911.

Domestic Violence Support:

From the site: ‘Internet usage can be monitored and is impossible to erase completely. If you’re concerned your internet usage might be monitored, call: 800.799.SAFE (7233)’

Domestic Violence Support

Find a Shelter or Program Near You

Safe Horizon Program

💸Buy Justine's Book

💸Info on Mariel's 1:1 3 Month Money Coaching here

💸Subscribe to my Newsletter where I share my scarcity thoughts and how I walk myself out of them

💸Follow Mariel on Instagram

⭐️⭐️Podcast Episode (minute 35:08) of the woman who was on the hook for her ex husbands tax bill⭐️⭐️

🥾Check out today's sponsor:🍃

Emerge Educational Consulting

Join a walking adventure here.

Want to learn more about a particular topic? Send your money questions over via Instagram.

Please leave a review to help me keep spreading the financial literacy word. Ciao!

Hosted on Acast. See acast.com/privacy for more information.

#9: With the ability to buy just a few dollars of an investment at a time, the ONLY thing holding you back from investing is fear.

Y amiga, who benefits from your fear? Investing for retirement can be simple. And I’m here to help you.

1. Because of our friend inflation, there is no way to ‘save for retirement’ without buying investments in a retirement account.
2. Your money needs TIME to grow in the stock market. In fact, time is the biggest indicator of how much your money will grow. Start now. Even $5 at a time.
3. Investing can be simple. I invest for retirement, and ignore all of the 'crypto this, nfts that, and day-trading' noise. Buy quality investments, and hold them until you retire.
4. You are worthy of having the option to actually stop working at retirement. Don't let these society convince you that its too hard or its too complicated.

We run through a demo of actually buying an investment on my iPhone 13 mini.

I also walk you through a compound interest calculator so you can see how much your money can grow. Even $5 at a time.

If you do anything for yourself this year, PLEASE listen to this episode in it’s entirety.

65 year old you will be so glad you did.

⭐️⭐️⭐️RESOURCES⭐️⭐️⭐️

Calculate how much your money can grow:

💸Run through this Compound Interest Calculator💸

Need help opening your IRA?

💸Let's Get it done with a 60 minute Money Class

💸Info on Mariel's 1:1 3 Month Money Coaching here

💸Free Beginner Investor class:💸

Watch Jeremy’s Free 60 minute beginner investing video

💸Purchase Jeremy's full beginner investing course: (affiliate link)💸

Build Wealth by Investing in Index Funds

💸To choose your IRA:💸

ROTH IRA or Traditional IRA? Read up here

💸Demo of me buying a fractional share:💸

How to buy an investment screenshots

💸Come to one of my Money Workshops:💸

Money workshop waitlist

Hosted on Acast. See acast.com/privacy for more information.