Unicorn Millionaire Podcast

I've grown my mailing list to about 500 people in 2 years and I wanted to share how I did it. Having a business is a great way to add extra income so you can reach financial independence sooner. Having a mailing list is a great way to market that business and let people know about your services! It's also a great way to bypass getting banned/blocked on social media and any social media outages that happen.

Listen to this episode to learn what to avoid, what platform to use, and to keep your followers ready to buy whatever service you offer.

Making more money won't automatically improve your money habits. Making more but not saving more? Listen to this episode from last year that I recorded to learn about how to avoid lifestyle creep. Lifestyle Creep is when you end up spending more on wants than needs when you make more money. It's something I help my clients avoid. I had a client who hired me as her money coach because she wanted to avoid lifestyle creep. Tbh, when she told me this, I had to Google "lifestyle Creep" before we met because I'm so used to investing extra money instead of buying things 🤣. But then I realized that I, too, have fallen prey to it and it's okay because now I'm more intentional. While working together, She made serious moves and even bought a freaking house as in on track to retire early!! She made more than I did but most of my clients make more than I do! I love helping them move past the guilt of making more money than ever and turn that into action. I love helping my clients retire early. 🏳️‍🌈🦄💵 Join me, your twerking money coach, for my free PERREO TO PROFIT: INTRO TO STOCK PICKING CLASS on Thursday, 10/26! 💰🎉 🔑

Listen to this episode to learn how I went from having a crappy Bank of America cash back card and no credit to growing my credit score to 808. I share how opening credit cards is good for your credit score and how opening 5 cards a year boosted my credit score. Once you understand the credit cards game, it's easier to see them as an investment in your future. Having an 800 credit score is part of retiring early because it can help you get access to better interest rates on loans like mortgages, saving you tens of thousands of dollars over time. And when you can save money, you can grow it instead!

This personal finance podcast is by nonbinary latinx money coach and digital nomad @TravelerCharly. This anticapitalist space is for first gen folks who want to embody their future millionaire selves and build wealth for themselves and their communities.

In this episode, I talk with health coach Samantha Lee about deprogramming all the unhealthy generational wounds we've inherited when it comes to eating and money. We break down inherited food scarcity how that often applies to money too, especially when you grow up first gen. Budgeting can often feel unsustainable and overwhelming like a diet, and we're here to tell you that it doesn't have to be this way. We've been guilted into thinking that ethnic foods aren't healthy and that the white, unflavored way of eating is the healthy way. Guess what? You don't have to eat chicken breast and broccoli be healthy.

Samantha Lee is a Hmong-American, the eldest daughter of refugee/immigrant parents, a speaker, and a health coach that helps women of color (WOC) lose weight and break out of following racist diet culture rules.

Her work was inspired by her 10-year health journey where she felt the need to strip her cultural identity to fit into society's standard of "white healthy". Samantha's mission is to voice the cultural differences in the health/fitness industry so WOC can take control of their bodies by eating the foods from their background without shame. She is a WOC stop dieting expert and a health advocate for her community.

In this episode, we break down the importance of marginalized folks to know the options available to them for career development, whether it's knowing how to confidently interview for that dream job or understanding their employer benefits.

Steph Graham is a career and interview coach who focuses on supporting mid-level professionals going through career transition or looking to excel further in their careers. Steph has a particular interest in Artificial Intelligence and how it impacts the hiring process, centering the impact on BIPOC, LGBTQ, neurodivergent, and other underrepresented communities.

Steph helps clients convey value through storytelling, using a skills-based approach that she developed during her time as a diversity recruiter and interviewer at PepsiCo. and Uber. She has a degree in Women’s and Gender Studies from Wellesley College and earned her MBA at UNC Chapel Hill.

I'll never forget the day I sat on the beaches of Playa del Carmen in 2021 and sold $3,000 in Tesla stock to hire my first coach ever, business coach Cat del Carmen. I was the first in my family to hire a coach. Hiring her was what took me treating my money coaching as a "side hustle" to treating my business like an actual business. Before hiring her, I was making a couple hundred a month. A month after hiring her, I doubled my investment and made $7,500 in sales.

If you're wondering what it takes to level up your business and make more money and feel good becoming rich, this episode is for you. We talk all about how being a business owner requires daily growth and mindset worth, especially in our capitalistic system. I truly believe her work is as anticapitalistic as it gets, as she helps marginalized folks become the sources of their wealth, and that wealth is generated from our thoughts.

Cat Del Carmen is a business coach, wife, and mami who teaches WOC how to scale to six figures in their coaching business. Cat grew her business from $10k to $200k cash in a single year by focusing on client results, becoming an expert at marketing and selling, and now she teaches her clients the same process that helped her scale while simplifying. Cat is the host of, Latinas Booked Out Podcast, which has over 100k downloads, where she teaches her concepts, and philosophies of growing a coaching business through trauma-informed, high-integrity, business practices. She has been featured in New York Times, Yo Quiero Dinero Podcast, and The Offbeat Life Podcast.

Where in the world is Jen Ruiz? I met Jen at the Yo Quiero Dinero Summit in Puerto Rico and loved how up front she was about how she's made a living traveling the world as an influencer. I'll never forget when she said "I like getting paid in the form of...money" because all to often, brands will attempt to pay in exposure only. If you want to learn all about the specifics of how she gets paid to take flights to places like Easter Island, you don't wanna miss this episode. We talk Jen's career change making a living as a digital entrepreneur, travel writing, self-publishing, and working with brands as an influencer.

Jen Ruiz is a a lawyer turned full-time travel blogger and author. She is a 5-time Amazon bestselling author, 3-time TEDx speaker and award-winning travel journalist. She has been featured by The Washington Post, Forbes and ABC News and is the solo female traveler behind Jen on a Jet Plane.

Her socials:

Want your 401(k) to work for YOU instead of the other way around? Listen to this episode to learn all about how to keep your life simple when rolling over your old employer 401(k), how to understand what you're looking at when you log into your 401(k) portal, and how to use this account to retire early with tax free growth.

If you want to learn more, join me, your twerking money coach, for a free online webinar that's all about taking the stress out of your 401(k) and using it to become an anticapitalist multimillionaire who wants to give back. Unleash your financial power and let's pave the path to early retirement and true financial freedom together! 💰🎉

🔑 Key Takeaways From My class on 8/31:

1️⃣ Master Your 401(k): Learn easy strategies to supercharge your retirement savings and make your 401(k) work harder for YOU. We will talk rollovers, how much to contribute, and wtf to actually invest in.

2️⃣ Leave Your Job Sooner: Learn how your 401(k) can help you retire early and pursue your passions with confidence.

3️⃣ Unleash Your Inner Unicorn Millionaire: Walk away empowered to build generational wealth and leave an impact in your community

Get ready to twerk your way to a life of abundance and empowerment.🚀

Listen to this episode with Adriana to learn all about what it's like working on the other side of salary negotiations as someone who works in HR, how she had to lay herself off, and how she protected herself financially in the aftermath. If you're wondering if you're asking for too much by wanting to get paid more, this episode is for you!

I met Bianca Alba from This Latina Travels at the Our Money Our Power Summit in Puerto Rico in June, and we bonded over our love for travel and community. Listen to this episode to learn about her journey in living in Puerto Rico, how she's building wealth, and healing by traveling the world.

Bianca is a proud Latina and first-generation college graduate. She was born in the heart of South America in Cochabamba, Bolivia and is the oldest of four sisters. Bianca holds a Bachelor’s and Master’s Degrees in Public Health. Despite many years of schooling, Bianca managed to pay off all her student loans and feels liberated by being debt-free.

Bianca is the voice and creator of “This Latina Travels!” – A podcast about travel through the eyes of a First Generation Latina traveler/college grad sharing all her travel experiences first-hand! As a little girl, living in a single-parent household, trips and vacations were just a dream and felt unreachable. This Latina Travels is more than just Bianca telling you about her experiences, but it is a true reflection that dreams can become reality! To date, Bianca has traveled to 6 of the 7 continents in the world and her goal is to encourage and support women who look like her to travel the world too!

I have been shouting from the rooftops about non-binary sex therapist Rae McDaniel's new book, Gender Magic, since it came out. It has really helped me look past internalized transphobia and shame, ESPECIALLY as it's come up for me in dating while trans. It's reminded me that trans folks not only deserve basic human rights, but that we are f'in magical, desirable, and that we deserve all the pleasure in the world. Listen to this episode to learn more about the process of writing the book, gender freedom, intimacy, pleasure, and self care. Their book, Gender Magic, is gold for anyone who is an LGBTQIA+ individual and who wants to be a more informed ally/person who is lucky enough to date a queer/trans person and/or have us in your life!

Rae McDaniel (they/them) is a non-binary Speaker, Author, Therapist, Certified Sex Therapist, Coach, and Transgender Diversity and Inclusion Educator. 

Rae helps audiences gain the sheer audacity to be themselves in the world through play, pleasure, and possibility. 

Their book Gender Magic is a first-of-its-kind practical guide to achieving gender freedom with joy, curiosity, and pleasure for transgender and non-binary individuals, gender explorers, and those who love them (May 2023.) They have been featured in high-profile media such as The New York Times, The Chicago Tribune, Time, and Women’s Health. As a sought-after professional speaker, Rae has spoken at Rutgers University, University of Chicago, University of Illinois Chicago, Soho House, The Wing, and Rachel’s Rodgers’ ROI: The Millionaires Summit. 

Rae is also the founder and CEO of Practical Audacity, a Gender & Sex Therapy practice in Chicago, serving over 400 clients yearly. 

When Rae isn’t educating audiences and bettering the world, they can be found drinking too much coffee, snuggling with their dog Gizmo (who might actually be a gremlin), or sipping whiskey with a good book. 

Your partner(s) is your biggest investment. Listen to learn about red flags in money and relationships so that you can either decide to leave a relationship or strengthen it with money conversations. I talk all about what to do if your partner(s) is using your credit score behind your back, how to avoid resentment and really see if your relationship is one worth continuing or straight up ending because of financial differences.

On this episode, I chat with my money coaching client and Aries Goddess, Gloria Malone, about how she's doubled her business revenue month to month since launching her own business in January of 2023. Listen to learn about what mindset shifts she's made on her wealth building journey, as well as how she's balanced running her own businesses while maxing out her 9-5 job benefits.

Gloria was one of my first clients when I first started my money coaching business 3 years ago. I had no idea how much my biz would take off at the time, but I knew after quitting my stock broker job that I wanted to help LGBTQ+/BIPOC understand how to set their retirement accounts up correctly. In 2020, Gloria realized that her 401(k) from her new job wasn't invested and was going straight to cash, losing value to inflation. We changed the $1,000 in her 401(k) to get invested, and it doubled in about a month. She's maxing out her Roth IRA too. She's enjoying beach vacations with her kid while also making sure her future self is set. Doing both is possible.So happy to work with Gloria again this year because there is ALWAYS more to work on as we shift from survival mode to thriving mode. 🤑 I love helping people understand their investments so they can move on with their badass lives and create their own businesses!

As someone who has invested over $30k in business coaching, I haven't come across any programs that focus specifically on how the f*ck to manage your business finances. Entrepreurship is a great way to make more money and retire early, but managing your money can be overwhelming.

Join my masterclass to learn:

• How to separate personal from business finances
• How I manage my business bank account and business credit cards
• How to be strategic with debt to grow your business
• How to prepare for taxes instead of getting sticker shock in April
• How to open self employed retirement accounts

Today to celebrate pride, I have my good friend, Gaya Wadu join us. Gaya and I met at the Aqua Girl queer pool party in Miami Beach in 2019, and we've been partying it up at the Dinah Shore queer pool party in Palm Springs every year since. Gaya is a queer immigrant from Sri Lanka and lives in Los Angeles. She's an advocate for individuals with developmental disabilities and resources developer, and she advocates for investing in real estate for the queer community. She loves to travel like Charly. Listen to this interview to learn all about how she grew up in Sri Lanka and The Seychelles, why she calls LA her home, and she shares her real estate purchasing strategies. You can find Gaya twerking in West Hollywood on the weekends and on facebook at Gaya Wadu.

Did you see me twerking on stage this weekend the the Yo Quiero Dinero Podcast Our Money Our Power financial conference in Puerto Rico?! (If you're not following me on ig @travelercharly, that is where the twerkation happens!) 

Guess what? The conference was almost cancelled because Jannese, the founder, couldn't get her regular sponsors on board. They said that it wouldn't work out because Puerto Rico isn't "America." WTF. So, we are spreading the word to make sure it gets the attention it deserves and to keep it going. Today I'm joined by one of the amazing attendees I met there: Tannia Ospina.

Tannia Ospina is a dynamic Latina trademark attorney driven by a strong entrepreneurial spirit. As a devoted mother of three, Tannia understands the importance of protecting brands and enabling her clients to focus on what they do best – their business.  Tannia's journey to becoming an attorney began with an unwavering ambition to dream big and make a difference in her communities.

Tannia began her career in Human Resources at NBC Universal after graduating from Rutgers University.  Then left to pursue her childhood dream of becoming a lawyer.  After graduating from Rutgers Law, Tannia began her legal career. Seeking greater flexibility for her growing family, she founded an online kids clothing ecommerce business. Tannia's entrepreneurial drive led her to establish Ospina Law, her own boutique law firm, in 2023.

As a business and trademark attorney and an accomplished owner of both online and retail stores, Tannia's passion lies in assisting entrepreneurs in safeguarding their intellectual property and building generational wealth. By providing guidance on intellectual property matters, Tannia helps her clients unleash the full potential of their brands, ensuring their legal foundations are strong and secure. With Tannia by their side, entrepreneurs can confidently navigate the complexities of intellectual property, allowing them to focus more on doing the things they love.

Wondering what the difference is between myself, a money coach and a financial advisor? If you've googled the difference, you might see this answer: "A financial advisor is a professional who can help you develop your investment strategy and long-term financial plans. A financial coach is someone who can help you reach near-term goals by providing financial education and showing you better ways to manage your money."

On today's episode, I share how I was on track to become a financial advisor, and why I decided I didn't want to manage rich people's money for them. I quit my job as a stock broker because I wanted to help first gen, LGBT/BIPOC with their mindsets first AND I want them to manage their own money. In my opinion, financial advisors profit off of your ignorance. They're not down with helping you with your limiting beliefs/mindset. They get paid to manage your own money or understand it because you're too scared to do it. I share how I'm a great stepping stone toward one day hiring a financial advisor so that you can actually understand WTF you're paying them to do with your investments.

Miss the "Job hop your way to early retirement" class on 6/1?

Happy Pride month!! Today I'm pumped to have Kelly aka @KeLindaEres on to chat all about dating, money, and manifesting our ideal partners. Both of us share red, yellow, and green flags when it comes to dating and money conversations. At the time of this recording, both of us are single, and this conversation shows you that when you're single is THE time to really reflect on your dating life, past patterns, and what you want. Having the right partner(s) is an investment that not only affects your money but your happiness and trajectory of your LIFE.

Your Net Worth Party is the first stop on your Millionaire Treasure Map, the journey I take my clients on.

Have you ever met someone and just known you two are gonna vibe? That's what today's crossover podcast episode is like with Carla, who I met in my business coaching mastermind group with Cat del Carmen. In this candid, unfiltered conversation full of joy and laughter, Carla and I rage against the cishet white capitalist machine.

We talk about the why it is imperative for first gen people of color to destigmatize the desire to build wealth. I shares my insight on investments and talks about the power of time IN the stock market, how I invested in my Roth IRA even when I was on food stamps, and how you can become am anti-capitalist millionaire.

We also discussed how immigration status, upbringing, and generational beliefs are influencing how we show up in our career choices and money choices. Last, we talk about how important it is to surround yourself with people who will lift you up on your wealth building journey. I had actually never talked to Carla outside of DMs, but when we DID meet, you clicked immediately because of our shared values (and we realized we're both virgos!)

About today's guest: Born in Honduras and raised in Miami, Carla Santamaria is a career and mindset coach for first gen WOC. She helps clients job hop their way to six figures by leaning into their strengths and building community. Carla is the producer and host of The First Gen Coach Podcast, and can be found on Instagram at @CarlaTheFirstGenCoach.

You don't need to be a broker or an advanced trader to open a brokerage account. I share how these accounts work, how easy it is to open one, and how they should be used in addition to retirement accounts so that you can be financially independent!

I'm hosting my next investing masterclass on brokerage accounts. Anyone who wants to build wealth to help themselves AND others is welcome!

The 2023 401(k) limit is $22,500. I share how you need to be maxing this account out every year in order to retire early (or retire at all, tbh). Don't have a 401(k)? I got you I mention what you need to know about IRAs.

You also should absolutely understand what you're investing in within your 401(k). You could still be investing in "funds" that are actually just in cash that's losing value to inflation.

En este podcast en español, hablo sobre mi ultimo viaje psicodélico que hice en la cual sané heridas ancestrales. Sanando heridas es algo prolongado, y es todo un proceso que segun yo, nunca se acaba. Mi familia es mexicana y les cuento mi historia de inmigracion a los estados unidos a los 3 años. Les cuento como use este viaje psicodélico para enfrentar memorias de mi infancia dolorosas y reprogramarlas. Les cuento como este viaje me ayudo a prepararme para conocer a mi gata, Luna, que conoci unos días despues de este viaje. Escuchenlo y compartenlo!

Stop parking your cash in regular savings accounts with sh*tty interest rates. Moving your cash from a regular savings account to a high yield savings account can grow your money by tens of thousands of dollars in just a few years. Also, stop paying your credit card several times a week. I share why I only pay for my credit card once a month from my high yield savings account and how that's helped me grow my credit score to the 800s. 

I share how to get excited about paying for my 6 month, 1:1 money coaching program with a credit card, as well as my client wins. You shouldn't pay for my coaching with cash. 

My coaching helps you compress time and make massive transformations in the 6 months of working with me. 

I have helped my clients grow their retirement accounts by 17x, I've helped them go from making $2k to $20k in their businesses, and I've helped them get excited about the sustainable projects their millionaire selves will achieve. 

I share how paying with a credit card is a no brainer. You get points/cash back, making it easier to pay off your investment. I will help you pay it off faster while growing your money with investing. 

One of my clients is paying for my coaching with the Chase Sapphire Preferred bonus intro offer, which gives you 60,000 points aka $750 cash back when you spend a minimum of $4k in 3 months. This $750 will help pay off her card faster. 

I also share how credit card debt calculators can help you remove the shame around debt and be more strategic. These credit card companies WANT you to ignore your balances, but I'll help you give these companies less of your money so you can invest it instead. 😈

I share the money moves and investment decisions I'm making to pay less in taxes for next year. The stock market has been down this year, and I talk about how I'm using that to my advantage. I also share how to be strategic when the New Year starts with your Roth IRA, since the contribution limit has gone up to $6,500!

When Lulu and I first started working together, they had received an inheritance of about $150,000 but felt too scared, guilty, and stuck to touch it for MONTHS. Through our time together, they've opened a Roth IRA, Brokerage account, separated their personal and biz $, and have started to invest in massive amounts of $10k, $6k, and $30k at a time. 

They've also lent a family member $15k to buy a home and leave an unhealthy marriage. I helped them see the potential they had this whole time, once they gave themself permission to make powerful money goals and follow through them. Lulu is of Jewish heritage and I love how they talk about how this came into play when learning about their own money blocks. 

I went from being told I "didn't sound like a Charly" by transphobic clients on the phone when I worked as a stock broker to helping queer folks invest tens of thousands of dollars. So cool. 💕

I share what some intimidating investing terms ACTUALLY mean when you're opening accounts. I help clients open up investment accounts all the time, and the most common roadblock they face is when they're asked if they want to add these "trading features": Options and Margin. In this episode, I explain what these fancy white men words mean.

Margin is basically all about borrowing money to buy stocks. I just use it to take out cash from my Brokerage account if I need to, but I transfer the money ASAP from my savings account to my Brokerage account so I don't pay interest. Options trading is an advanced trading tool that I have also used in my day trading days, but I don't anymore, because honestly, I would much rather buy stocks I can set and forget so I can move on with my baller ass life.  

The language of money is intended to be exclusionary, but I'm changing that. Say no to the margin and options features when opening investment accounts if you are a beginning investor. Here's why!

I share my perception of semi/early retirement and my 5 reasons to do this as part of our wealth building journey:

1. Being Work Optional

2. Exploring Your Interests

3. To spend more time with loved ones

4. To Travel The World While You Can

5. Unexpected Health Issues Can Arise

Once you've built your 6-12 month emergency fund, have opened your investment accounts and transferred the cash in? What's next? INVESTING THAT SHIT! 

Want to walk through picking investments together? Join my masterclass on Wednesday, 10/5.

We'll answer these questions:

How do I know which stocks to pick?

What is the difference between self managing vs. having a robo advisor account?

How do I buy stocks?