Dear Reader, Five years ago this month, I decided to launch Wealth Para Todos LLC. And for the next 90 days, I want to talk to you about what I've learned as a first-gen business owner. Although, even calling myself a “first-gen business owner” feels a little complicated. My abuela Tere was an entrepreneur. At one point, she owned a restaurant, and her family in Mexico had their own negocios. So entrepreneurship was modeled for me. But it wasn't necessarily the path I was encouraged to...
7 days ago • 3 min read
Dear Reader, One of my clients—a first-gen wealth builder in her early 30s—said something during our coaching call that I know many of us can relate to: “I save the money, but then I don’t want to use it because I don’t want to see my savings go down.” This client had already done so much. She had paid off high-interest debt. She had built savings. She had money going toward retirement. But she was still wondering: What am I supposed to do with my extra cash flow? She wanted to prepare for a...
9 days ago • 2 min read
Dear Reader, Before enrollment in Wealth Para Todos Academy closes tonight, I want to talk about something that might be making you hesitate. I know there are people in my community who have complicated feelings about building wealth. Maybe you’ve wondered: If I care this much about money, am I becoming greedy? Can I want to become wealthy and still care about my community? What if having more money changes me? I get it. Especially when we have plenty of examples of people using wealth to...
16 days ago • 1 min read
Dear Reader, When Brenda joined Wealth Para Todos Academy, she was leaving a stable career at Kaiser to build her private therapy practice. She considered herself “good with money.” She budgeted. She saved. But she still had debt, felt anxious about investing, and wasn’t sure how to increase her income without burning herself out. Then Brenda increased her income by $5,000 in 90 days. Inside WPT Academy, she used the SCORE Framework and coaching to create a plan for growing her business. She...
21 days ago • 1 min read
Dear Reader, One of my members had savings, a strong income, and a financial plan—and still feared one uncertain season could undo everything they had built. After experiencing a dangerous situation, they needed to move their family out of their home quickly. They bought another home while preparing to sell the first one, without knowing how long they would carry two mortgages or how much of their savings the transition would require. Together, we reviewed their resources, calculated how long...
28 days ago • 1 min read
Dear Reader, You earn good money. But you may still have debt you want to pay off, less savings than you expected to have by now, and no clear plan for retirement. And because you’re a high achiever, you may assume the answer is to work harder and make even more. But before you pursue another promotion, add more clients, or start a side hustle, I want you to answer a more important question: Do I need to earn more—or do I need a better plan for the income I already have? Because those are two...
about 1 month ago • 1 min read
Dear Reader, Most people feel a lot more empowered to decrease their expenses than to increase their income. If the numbers aren't working, they know how to look at their spending and ask: What can I cut? Where am I overspending? What can I go without? Increasing your income can feel a lot less within your control. So one of the first things I help people figure out is whether they actually have a spending problem or an income problem. Because you can't budget your way out of not making...
about 1 month ago • 2 min read
Dear Reader, I talk to people all the time who feel like they should be further ahead financially. They’re trying to pay off debt, build savings, invest for retirement, save for a house, help family, prepare for the future, AND use money for their wellness and joy. And somehow, all of it feels urgent. So even when they’re making progress, they don’t get to experience themselves as making progress. They pay off debt and worry they’re behind on investing. They invest and wonder if they should...
about 1 month ago • 2 min read
Dear Reader, Clients come to me saying things like: “Sol, I always overspend.” “I spend too much on arts and crafts.” “I get lazy and start ordering food.” “I make a budget, but I can never follow it.” They've turned these behaviors into evidence about their character. But I know it's not who they are, it's just a behavior that meets a need. Maybe arts and crafts are an important source of pleasure and creativity. Maybe you're ordering food because you're exhausted after a long day and need...
about 1 month ago • 2 min read