Yo Quiero Dinero Podcast Por Jannese Torres arte de portada

Yo Quiero Dinero

Yo Quiero Dinero

De: Jannese Torres
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"This podcast will leave you feeling inspired to take a more proactive approach to your savings, earnings, & expenses." - BuzzFeed | Yo Quiero Dinero is an award-winning personal finance podcast that empowers listeners on topics like entrepreneurship, investing, financial independence & money mindset. Hosted by Jannese Torres, Latina money expert, award-winning author and serial entrepreneur. Known as “the swaggiest personal finance podcast", each week we drop episodes brimming with POC-friendly personal finance knowledge, served with sazón! Tune in for all the money lessons you never learned. Visit us at YoQuieroDineroPodcast.com.

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

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Episodios
  • Burn the American Dream Down & Build Abroad with Vanessa Wachtmeister

    Burn the American Dream Down & Build Abroad with Vanessa Wachtmeister
    Mar 16 2026
    She was one of the baddies who showed up on this show back in 2021 — and four years later, Vanessa Wachtmeister is back and she is NOT the same woman. She's paid off $130,000 in debt, earned her German passport, and is about to launch her second tech startup. And she did all of it from Europe, where blueberries cost a dollar and a minor surgery runs you 300 euro — total.In this episode, Vanessa and I are getting into ALL of it: what it actually looks like to build a career, a business, and a life abroad. How she navigated work visas, taxes, and even burning down a GmbH to the tune of $100K of her own money to rebuild her startup in the US. We're talking passport diversification as the new financial strategy, why the American dream was always a lie, and how her new job platform Go Onwards is coming for LinkedIn's neck.If you've been thinking about leaving, this is your sign to stop playing and start moving.WE GET INTO:00:00 - Intro: The Baddie Who Left America in 2013 and Never Looked Back02:51 - Why Vanessa Said "Bye, America" at 21 with $2,000 and a Dream04:20 - The World Tour: China, London, Syria & Germany05:42 - What Her Life Would Have Looked Like If She'd Stayed08:42 - How to Actually Get a Job Abroad: Visas, Work Permits & What Nobody Tells You10:22 - How to Choose Where to Move13:20 - Grocery Bills, Free Healthcare & Why She Can Never Come Back16:16 - From Masterclass Girlie to Tech Founder: Her Creator Evolution18:57 - The Gap in the Market That Built Go Onwards21:55 - Why LinkedIn Doesn't Give a F*ck About Job Hunters (and She Does)23:33 - Pricing, Features & What You Get with Go Onwards24:44 - The $100K Founder Mistake She Made in Germany28:36 - The Real Tea on European Taxes31:33 - Digital Nomads, Remote Work & What 100% Remote Actually Means Abroad32:03 - How She Made $310K and Paid $26 in Federal Tax35:22 - Passports Are the New Insurance Policy36:03 - The (Very Legal, Slightly Gray) Way She's Bringing Her Family to Europe38:08 - How to Financially Prepare to Move AbroadKEY TAKEAWAYS:Getting a job in Europe as a US passport holder is more doable than you think — but you need to understand how work permits and visa sponsorship actually workThe Foreign Earned Income Exclusion lets you exclude up to $130K of foreign income from US federal taxes — stack it with tax credits and you'll be shocked at your billPassport diversification is the new financial strategy — multiple citizenships give you options that no investment account canGo Onwards filters out ghost posts, non-English jobs, and low-paying roles so you only see high-quality opportunities with visa sponsorship across all 30 EU economic areas + the UKYou don't need to fundraise to fund a startup — Vanessa liquidated part of her stock portfolio at peak to self-fund, treating it as diversification into a revenue-generating assetLiving abroad doesn't have to be expensive — Vanessa's all-in monthly budget in Berlin (including rent, health insurance, CrossFit, and Ubers home) is $2,500RESOURCES MENTIONED:Listen to Vanessa’s past episode of the podGo Onwards (Vanessa's job platform)CONNECT WITH VANESSA:InstagramWebsiteTAKE THE NEXT STEP:Yo Quiero Dinero Private MembershipRead my book, Financially Lit!Leave me a voicemailThis episode of Yo Quiero Dinero was produced by Heart Centered Podcasting. Hosted on Acast. See acast.com/privacy for more information.
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    45 m
  • How to Build a Money System That Actually Works for Your Family with Sahirenys Pierce

    How to Build a Money System That Actually Works for Your Family with Sahirenys Pierce
    Mar 9 2026

    What if having the right money system meant that when your family faced a crisis, finances were the last thing on your mind?


    In this episode, I'm sitting down with Sahirenys Pierce of Poised Finance and Lifestyle — one of the OG Latinas of personal finance on the internet — and she's sharing the story behind her High 5 Banking Method. Spoiler: it was born out of one of the scariest moments of her life, when her son needed open heart surgery and she realized that having organized finances meant she could focus entirely on him instead of scrambling for money. That's the real power of a system that works.


    We break down the full High 5 Banking Method — the five purpose-driven accounts, how to set them up without starting from scratch, when high-yield savings actually matters, and how to handle the very Latina reality of your family treating your emergency fund like a group savings account. We also get into her four household game changers that eliminate the mental load of running a home without losing your damn mind.


    Her book, The High 5 Banking Method: A Money System You Can Count On, drops March 3rd, 2026. Grab your copy — and one for someone you love too, because we're not out here building little rich silos.


    WE GET INTO:

    • 00:42 - Meet Sahirenys: Creator of the High 5 Banking Method
    • 02:14 - Growing Up Watching Her Parents Lose Everything in 2008
    • 05:33 - From Pharmacy School to Financial Planning
    • 07:03 - Why Less Than 4% of CFPs Are People of Color
    • 09:04 - How Her Son's Heart Defect Inspired a Money System
    • 11:14 - Saving with Confidence: The Surgery Fund Story
    • 13:10 - How the System Held Up When Everything Went Wrong at Once
    • 14:42 - Breaking Down the 5 Accounts (2 Checking, 3 Savings)
    • 17:46 - Bills Checking vs. Lifestyle Checking: What Goes Where
    • 19:21 - Do All Your Accounts Have to Be at the Same Bank?
    • 20:25 - High-Yield Savings Accounts: Do You Actually Need Them?
    • 21:18 - Ally Bank's Savings Buckets Feature (Not Sponsored, Just Good)
    • 27:00 - Managing Family Financial Pressure the Cultural Way
    • 30:29 - The SOP: How to Cut, Keep, or Reduce Any Expense
    • 34:37 - The Four Game Changers for Running Your Household
    • 41:28 - Can Free-Spirited People Actually Use Systems?
    • 44:10 - What's Inside the Book


    KEY TAKEAWAYS:

    • Why one checking and one savings account is keeping you stuck
    • How to set up five purpose-driven accounts without starting from scratch
    • When to use high-yield savings — and when it doesn't actually matter
    • How to build an SOP so you're never scrambling financially in a crisis
    • The four household systems that eliminate the mental load of running a home
    • Why financial systems aren't just about money — they're about protecting your family


    CONNECT WITH SAHIRENYS:

    • Instagram: @poisedfinanceandlifestyle
    • Website: poisedlifestyle.com
    • Book: The High 5 Banking Method — available at Barnes & Noble, Target, Walmart, and everywhere books are sold


    TAKE THE NEXT STEP:

    • Yo Quiero Dinero Private Membership
    • Read my book: Financially Lit
    • Leave me a voicemail


    This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.



    Hosted on Acast. See acast.com/privacy for more information.
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    51 m
  • The Lazy Way to Build Wealth with Chloe Daniels

    The Lazy Way to Build Wealth with Chloe Daniels
    Mar 2 2026

    Honestly, I don't know why it took me this long to get Chloe Daniels — aka Clo Bare Money Coach — on the show, because she is a whole badass and we have been living parallel lives for years. She went from a torrential relationship with money (including being financially trapped in a dangerous situation abroad) to becoming one of the most refreshing voices in personal finance.


    Her approach is called lazy investing — and before you scroll past that, hear her out. Because when BlackRock ran 100 years of market data, the results backed it up. We're getting into all of it: the mindset blocks keeping women out of the market, why Wall Street jargon is gatekeeping on purpose, the truth about financial advisors, and the simple strategy that actually builds wealth long term.


    WE GET INTO:


    • 00:00 - Intro: Why It Took Us This Long to Do This Episode
    • 00:46 - Meet Chloe Daniels: From Side Hustle to Full-Time Finance Coach
    • 04:05 - The Childhood Money Belief That Held Her Back
    • 05:03 - Financially Trapped in an Abusive Relationship Abroad
    • 07:31 - Rebuilding Self-Trust and Becoming Your Own Hero
    • 09:05 - Wall Street Gatekeeping and the Paralysis of Conflicting Info
    • 11:47 - The Real Stats on Diversity in Financial Advising
    • 14:35 - What "Lazy Investing" Actually Is (and Why It Works)
    • 18:42 - ETFs vs. Index Funds vs. Mutual Funds: What You Need to Know
    • 20:45 - How to Figure Out Your Investor Type and Build Your Portfolio
    • 24:21 - The Common Mistake: Money Sitting Uninvested in a Brokerage
    • 27:11 - How to Calculate Your Retirement Number Using the 4% Rule
    • 36:16 - The One Thing to Do If You're Not Investing Yet
    • 38:46 - Lightning Round: Roth vs. 401k, DIY vs. Advisor, and More


    KEY TAKEAWAYS:


    • Why investing feels hard on purpose — and how to cut through it
    • The difference between investing and trading (and why most people confuse them)
    • How to determine your investor type before picking a single fund
    • Why your 401k money might be sitting uninvested without you knowing
    • How to use the 4% rule to calculate your actual retirement number
    • Why the compound interest calculator is the mindset shift you didn't know you needed
    • Why the answer isn't cutting back — it's making more money


    CONNECT WITH CHLOE:


    • Instagram: @clobaremoneycoach
    • Website: https://www.thelazyinvestorscourse.com/


    TAKE THE NEXT STEP:


    • Yo Quiero Dinero Private Membership
    • Read my book: Financially Lit
    • Leave me a voicemail



    This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.


    Hosted on Acast. See acast.com/privacy for more information.
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    43 m
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Love the content, you have motivated me to work on my own financial independence.I have convinced my husband also, he really didn't have a choice tbh. Thank you and keep going, together we POC can finally have the lives we deserve.

Thank you for sharing all you have.

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I've learned a lot since listening and following the advice I've heard! I've been taking small steps, but they're changes nonetheless!

Inspirational

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