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Owning a small business can be one of the most rewarding and challenging things a person does. Amid an uncertain economy and ever-evolving consumer trends, there is a lot to figure out and navigate to ensure your business thrives. Join hosts Jannese Torres (Yo Quiero Dinero) and Austin Hankwitz (Rate of Return) as they connect with small business owners and hear their stories about managing the ups and downs of starting and growing a small business. Listen to "Mind the Business: Small Busine ...
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Yo Quiero Dinero

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, author and entrepreneur. Known as “the swaggiest personal finance podcast", each week we drop episodes brimming with POC-friendly personal finance ...
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I was $300,000 in debt including student loans and mortgages, living a lifestyle way above my means. Three years later my family had paid off all of it including our house! Now that I'm 100% DEBT FREE (that's right no credit cards, car payments or debt of any kind), I'm on a mission to build a community of people who are ready to crush their money goals. This isn't your regular finance show - we're here to have fun and learn about life any money together. Welcome!
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From the Founder of I Like To Dabble, Daniella Flores brought to life Remote Work Bestie to challenge the traditional 9 to 5 and help you navigate a more flexible way of working and living. Weekly episodes feature experts and fellow remote work besties to help you navigate the world of remote work, side hustles, freelancing, & entrepreneurship, as well as negotiation, managing finances, mental health support, traveling, and building a way of working that works best for you as you build your ...
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Episode 324 shares personal finance tips for Gen X, featuring Deborah Johnson Miranda of Bee Money Coaching. Listen now! Deborah Johnson Miranda is a Latina money coach with ADHD who didn’t take her finances seriously until she faced bankruptcy (twice) and the possibility of foreclosure. At her lowest point, she knew things had to change. She knows…
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Episode 323 talks about how to become a future millionaire, featuring the one and only Rachel Rodgers. Listen now! Rachel Rodgers is the founder of Hello Seven, a company that helps women and marginalized communities build wealth and scale seven-figure businesses. A former attorney and self-made millionaire, she’s the bestselling author of We Shoul…
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Welcome back pod listeners! Big news- After 3 amazing years in Chicago, I’ve packed up my life and relocated to Spain! 🎧 What You’ll Hear in This Episode: * 2025 book tour stops coming to a city near you* The 4 most FAQs questions about my move to Spain * Newsletters community questions about my move abroad 👉 Hit play to hear what I’ve been up to a…
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Episode 322 talks about how to give yourself grace as a mompreneur, featuring return guest of the show Catalina Del Carmen. Listen now! Catalina Del Carmen is a Latina business coach and host of the Show Up Real Podcast with over 100k downloads. She helps WOC coaches and service providers scale to six figures through ethical sales, authentic conten…
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Episode 321 talks about how to incorporate self-care into motherhood, featuring return guest of the show Rita-Soledad Fernández Paulino of Wealth Para Todos. Listen now! Rita-Soledad Fernández Paulino is the founder and CEO of Wealth Para Todos, a money and self-care coaching company dedicated to empowering BIPOC, women, and LGBTQ+ communities. A Q…
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Episode 320 talks about how to become a financially free mom, featuring Stefanie Gonzales of Women's Wealth Effect. Listen now! Stefanie Gonzales is a proud Latina from Texas who’s passionate about helping women design life on their own terms. After paying off $420K in debt and becoming a millionaire in 2021, she left a 15-year tech career to start…
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Hitting plateaus is a common milestone in business, but there’s a difference between stability and a rut. In the last installment of this season, we’ll dive into the ways small business owners push beyond plateaus and find new ways to achieve revenue growth. Jannese and Austin wrap up their time in Nashville, Tennessee with a wonderful visit to N.B…
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Episode 319 features Alex Davis of AGA Tax and Consulting Services. With tax season here, we're sharing tax planning tips for entrepreneurs. Listen now! Alex C. Davis is a CPA and CERTIFIED FINANCIAL PLANNER™ helping women entrepreneurs master tax strategy and build lasting wealth. As a single mom who paid off $50K in debt and grew a $300K+ net wor…
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Episode 318 features return guest Sonia Alejandra Saunders. We're chatting about why you shouldn't make motherhood your whole personality. Listen now! Sonia Alejandra Saunders is a speaker, coach, and founder of Mujerón Movement—a platform helping Latinas embrace their purpose, own their power, and become the fullest expression of themselves. Throu…
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Building a thriving business isn't always about rapid expansion. When should you hit the accelerator on growth, and when should you pump the brakes? Jannese and Austin are in Nashville, Tennessee to talk with Taku Zhou and Sibusiso Ajayi of TKZ Architecture LLC to explore this crucial entrepreneurial crossroads. The duo shares candid insights from …
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Episode 317 features another return guest, Haley Brown-Woods of Price of Avocado Toast®. We're discussing how to grow a business & a family at the time same time. Listen now! Haley Brown-Woods is the founder of Price of Avocado Toast®, a financial coaching business and podcast she runs with her husband, Justin. A former teacher turned money coach, …
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Rosalyn Ortega-Elie is a real estate investor, business owner, and former hospitality executive specializing in residential rentals and international real estate. She’s the founder of Urban Teach NYC, where she educates aspiring investors, and Smart Caribbean Properties, a brokerage helping clients invest in the Dominican Republic. With a focus on …
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AI isn't about replacement – it's about enhancement. Austin and Jannese travel to Tampa, Florida to meet Alexa Kritis Mancuso, founder of Alexa Kritis Events, who reveals how she masterfully blends artificial intelligence with the personal connection essential to event planning. Discover how Alexa shares how she leverages AI platforms to handle rou…
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Episode 315 features another return guest, Mariela De La Mora. She's dropping some major gems on how she's building a business as a single mom Listen now! Mariela De La Mora is a leadership and business coach helping daughters of immigrants and WOC turn their identity and story into money, PR, and speaking opportunities. After 16 years in corporate…
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Episode 314 features another returning guest, Lissette Calveiro! As part of our Jefas y Mamás mini series, we're discussing balancing content creation & motherhood. Listen now! Lissette Calveiro founded Influence With Impact®, a creator-focused consultancy that helps influencers and personal brands grow sustainable businesses with real impact. With…
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In our second installment of the Small Business Starter Kit series - we’re tackling a topic that’s sometimes tricky, sometimes confusing, but ever-present: taxes. Hosts Austin and Jannese have an insightful conversation with entrepreneur Isabella Rosal who started 7th Sky Ventures, an exporter and distributor of craft spirits, beer, and wine. Havin…
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Hola, mi gente! There’s a lot shifting in the economy right now—market fluctuations, policy changes, and uncertainty about what’s next. No matter who’s in office, these shifts can directly impact your wallet. In this bonus episode/IG live replay, I’m breaking down the latest financial chaos—tariffs, stock market swings, and what it all means for yo…
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Hola, hola! It's your girl Gigi (Giovanna Gonzalez), also known as The First Gen Mentor, back with Season 2 of the Cultura & Cash! This episode is for future authors or current authors- or anyone launching a new product! 🎧 What You’ll Hear in This Episode: The 6 mistakes I’ve seen other authors make during their book launch and how you can avoid th…
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Episode 312 features Maideli Garcia of My Daily Dinero. We're discussing how to transition from teaching to tech! Listen now! Maideli Garcia is a Latina money coach and financial educator dedicated to helping women of color and first-gens individuals save, spend, invest, and earn more—all without sacrificing joy. As the daughter of Mexican immigran…
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Hola, hola! It's your girl Gigi (Giovanna Gonzalez), also known as The First Gen Mentor, back with Season 2 of the Cultura & Cash! After an 8 month hiatus, I’m back to go creating new episodes for your every Monday. When I ended Season 1 in May 2024, I was expecting to return in the Fall, but after a heavy H1 that was all about book launching, I de…
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Episode 311 features a returning guest + one of our favorites, Erika Cramer! As part of our Jefas y Mamás mini series, we dive into how to become a magnetic mom. Listen now! Erika Cramer, known as The Queen of Confidence, is a globally recognized confidence and mindset coach, TEDx speaker and bestselling author. From overcoming a life marked by tra…
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Most people understand the importance of raising capital to start a business, but securing additional funding after launch can be just as crucial for reaching the next level. Jannese and Austin discuss the strategies and challenges of finding ways to raise more capital to give your business a booster where it needs it most. The hosts chat with one …
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Episode 310 features a return guest + fellow mompreneur, GiGi Diaz of Seizing Happy®. Another guest of our new podcast mini series: Jefas y Mamás, we’re talking about how to stop being scared of motherhood. Listen now! GiGi Diaz is a Certified Business & Media Coach, media personality, and entrepreneur with 20+ years of experience. She’s the founde…
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Episode 309 features a return guest + fellow mompreneur, Dr. Esther Zeledón of BeActChange. As the 1st guest of our new podcast mini series: Jefas y Mamás, were're talking about how to thrive as a mom & business owner. Listen now! Dr. Esther Zeledón, a Latina immigrant and former diplomat turned award-winning author, international speaker, and coac…
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In business, every decision you make can change the trajectory of your company - so it’s important to be as informed as possible. The intel you collect as you learn and grow is vital to informing how and why you run your business in the future. On this episode, hosts Jannese and Austin share their own experiences with using data to inform the paths…
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Mi gente, it’s been a minute, and this catch-up is long overdue. Guess what?! I HAD A BABY! 🤯💖 In this solo episode, I’m taking you through my journey of stepping into motherhood while juggling entrepreneurship—and how I financially prepared for this life-changing chapter. I’ll be breaking down the key steps I took to plan for maternity leave, buil…
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Episode 307 features Tess Waresmith of Wealth with Tess! We're discussing how to start investing. Listen now! Tess Waresmith is an investing educator and founder of Wealth with Tess, a financial education community that helps millennial women learn how to grow their money using simple investing strategies so that they can retire comfortably and liv…
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Step one for starting a small business is often coming up with an exciting idea. But what is step two? Step three? Steps four through launch and beyond? On our second episode, and first iteration of our Small Business Starter Kit Series, Austin and Jannese visit The Candle Pour to chat with founders Misty and Dennis Akers. They’ll tell our hosts ab…
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Episode 306 features Aliette H. Carolan, Esq. of The Quick Divorce, Inc.©. We're talking about how to survive divorce! Listen now! Aliette H. Carolan, Esq. has been practicing exclusively in the area of Marital & Family Law since 2004. She recognized that not everyone she wanted to help could afford her services through her traditional law firm mod…
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Justine De Peralta is a former classroom teacher turned Certified Financial Educator (CFEI), Money Coach, Domestic Violence Counselor & face behind @msfinancialfit on Instagram dedicated to empowering BIPOC women and dv survivors with financial literacy + confidence. Her advocacy began in 2007, serving at a local courthouse assisting individuals fa…
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The long-term success of every small business starts with looking at its history and identifying the hits and misses along the way. In our premier episode for Season 3, hosts Austin Hankwitz and Jannese Torres sit down in person with Sherrice Rose, owner of Potentia Therapeutics in her clinic in Tampa, Florida. Together, they look back at her journ…
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For our season 7 opener, episode 304 features Adriana Galvan of Adriana Talks Dinero, LLC. We're talking about why you need multiple income streams. Listen now! Adriana Galvan, founder of @adrianatalksdinero, is a proud first-generation daughter of immigrant parents—her mother from Tamaulipas, Mexico, and her father from Oaxaca, Mexico. Growing up …
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Attention small business owners: “Mind the Business: Small Business Success Stories” is back for Season Three with brand-new episodes. Hosts Jannese Torres (Yo Quiero Dinero & Financially Lit!) and Austin Hankwitz (Rate of Return & Rich Habits) are hitting the road and meeting with small business owners in Tampa, Florida and Nashville, Tennessee to…
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Jordan Grumet, born in Evanston, Illinois, discovered his calling as a doctor after the loss of his father, an oncologist, inspired his passion for medicine. He earned his medical degree from Northwestern University and now practices Internal Medicine. He serves as Associate Medical Director at Unity Hospice in Northbrook, Illinois. Blending his ex…
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Goli Kalkhoran is Master Certified Life Coach, and former attorney, who helps unfulfilled professionals create a career (and life) they actually like. She is the host of the Lessons from a Quitter podcast where she uses her platform to de-stigmatize quitting and provide resources and inspiration to individuals looking to pivot in their established …
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Episode 301 features Aja Evans of Aja Evans Counseling. We're talking about what is financial therapy (and why you need it)! Listen now. In this conversation, Aja explore the critical relationship between mental health and financial well-being. We discuss the concept of financial therapy, the emotional struggles associated with money, and the impor…
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Dasha Kennedy is the fearless financial activist behind "The Broke Black Girl," empowering marginalized communities—especially Black women—to overcome financial struggles and build secure futures. Her impactful content dismantles systemic barriers, inspiring thousands to break free from debt and take control of their finances. Natalia Brown is the …
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Bernadette Joy is a renowned personal finance expert and the founder of Crush Your Money Goals®, a financial education platform established in 2020. She has empowered thousands across the United States with practical strategies to eliminate debt, enhance savings, and invest confidently, all aimed at achieving financial peace. In her personal journe…
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Episode 298 features a return guest of the show; Kara Perez of We Bravely Go. We're discussing how to build wealth ethically. Listen now! Kara Perez is the founder of Bravely Go, a sustainability focused financial education company. Bravely focuses on bringing actionable, intersectional and accessible financial education to people who never learned…
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Episode 297 features Monique Melton of Shine Bright School. We're discussing how to liberate yourself. Listen now! Monique Melton is a dynamic educator, speaker, and anti-racism advocate, known for her profound work through Shine Bright School, a dedicated platform that empowers individuals and communities to actively engage in anti-racism, persona…
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Episode 296 is a long overdue solita episode & we need to catch up, mi gente. Guess what!? I BOUGHT A HOUSE! Listen now to hear all the tea! In this solo episode, I'm opening up about my journey to becoming a homeowner—the ups, downs, and what it’s really like for us millennials in today’s crazy housing market. I’ll talk about timing, share some ti…
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Episode 295 features Deputy Secretary of the Treasury Wally Adeyemo. We're talking about affording the American dream. Listen now! Wally Adeyemo was sworn in as Deputy Secretary of the Treasury on March 26, 2021. As the department’s chief operating officer, he plays a key role in advancing national security and economic priorities, including implem…
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Episode 294 features Nicole Stanley of Arise Financial Coaching. We're talking about how to build wealth with an ordinary income. Listen now! Nicole Stanley is Head Financial Coach and Founder of Arise Financial Coaching. After paying off debt and raising her family's net worth to $250k+ through investing on a below average income, she began Arise …
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Episode 293 features Oralia Herrera of CENTURY 21 T.K. Realty, Inc. We're talking about how to buy a home in this economy. Listen now! Oralia Herrera is a seasoned real estate professional with CENTURY 21 T.K. Realty, Inc., where she has built a reputation for providing exceptional service and expertise. With years of experience in the real estate …
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Episode 292 features Melody Estrada of Me&Co. We're talking about business marketing mistakes you're probably making. Listen now! Melody Estrada is an entrepreneur, community leader, and startup ecosystem advocate. She is the Founder and CEO of Me&Co, a marketing studio and educational space that helps entrepreneurs build strong marketing strategie…
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Episode 291 features Kirsten Roldan of Kirsten Roldan Coaching. We're talking about how to use email marketing to grow your business. Listen now! Kirsten Roldan is a Nuyorican Business Coach and Agency Owner with a 7 figure a year business. She created the only program that helps Coaches and Service Providers make Social Media Optional using Email …
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In this final episode of the Crush Your Money Goals podcast, Bernadette Joy and Stefanie Gonzales reflect on key moments from Season 7, “Quit with Conviction.” They discuss standout episodes featuring guests like Erin from Hello Divorce and George Kamel, highlighting the personal growth and lessons learned from these conversations. Listeners are en…
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Episode 290 features Viviana Vazquez of OverGenPoverty. We're talking about how to overcome generational poverty. Listen now! Viviana Vazquez is the founder of OverGenPoverty, an online community for people overcoming generational poverty and building generational wealth. Viviana teaches financial literacy lessons through the lens of a first-gen gr…
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In this episode of Crush Your Money Goals, Bernadette Joy and Stefanie sit down with Shang, the inspiring force behind Save My Cents. Shang shares her journey to financial independence by age 31, her frugal yet joyful approach to life, and the powerful intersection of mental health and financial wellness. Recorded live from FinCon, this conversatio…
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Episode 289 features Sonia Alejandra Saunders of Mujerón Movement. We're talking about how to turn your personal brand into a business. Listen now! Sonia Alejandra Saunders is a Speaker, coach and founder of Mujeròn Movement. She coaches Latinas to get out of their own way in order to take action, find their purpose and become the Mujerón of their …
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