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Todo Con Tiempo Tuesday & Thursday

This is for anxiously ambitious first-gen wealth builders that want to create financial security while nurturing their wellness. We send multiple emails a week about how to stay inside the wealth building cycle through D.I.V.E.R.S.E. self-care.

Featured Post

Got an Old Retirement Account?

Dear Reader, Let’s talk about a financial task that stays on the “I’ll get to it later” list for way too long: contacting a past employer about your old retirement account. If you’ve ever thought: “I don’t know where to start.” “I’m embarrassed to call and sound clueless.” “I don’t even know if I still have money in there...” keep reading. I was just on a coaching call with one of my clients who had been avoiding this for over five years. The mental weight? Heavy. The shame? Real. The...

Dear Reader, You don’t have to hide your feelings to protect your loved ones—your emotional vulnerability can actually bring you more connection, support, and progress with your financial goals. For a long time, I believed the opposite. I thought that showing sadness, frustration, or fear would only stress out the people I love. Growing up, I saw how my caregivers were often too busy to support me when I was upset. I learned to suppress my feelings, stay “strong,” and process everything...

Dear Reader, You don’t need to go into debt to protect your motivation. I say this with love and with experience—because I’ve seen what happens when people let fear of “losing momentum” drive their financial decisions. Recently, a client of mine felt an incredible surge of motivation after making progress on her finances. For the first time in a long time, she felt focused, energized, and ready to keep working on growing her business. But instead of letting that momentum build in a grounded...

Dear Reader, For so many of my clients, there’s an unspoken fear: “If I’m not stressed, I won’t be productive.” They’re used to working under pressure, fueled by adrenaline and urgency. Stress becomes their default setting. Rest starts to feel unsafe—not just emotionally, but physically. This pattern keeps them stuck in a cycle: Pushing through exhaustion. Ignoring signals from their body. Believing that if they slow down, everything they’ve worked for will fall apart. It shows up in missed...

Dear Reader, A common struggle I see (and have lived through myself) is avoiding financial details. You know you have debt, but you’re not sure how much. You’re making payments… but there’s no real plan. You want to invest in coaching… but you keep saying, “Let me figure out my budget first,” and then avoid doing that too. And when the credit card statement hits your inbox? You click archive or delete before you even open it. This isn’t just a “numbers” issue. It’s emotional. It’s nervous...

Dear Reader, For most of my life, I only took big financial action when I felt scared or under pressure. In 2019, I learned how to budget because I had no other choice. My family was navigating how to pay all our expenses on my disability income while Husbae found a new job. But here’s what I know now after coaching dozens of first-gen wealth builders and continuing to grow my own net worth: You don’t need to be scared or under pressure to take action that leads to wealth building. In fact,...

Dear Reader, Sometimes, it’s not the big things that overwhelm us—it’s the little ones. The to-do list. The laundry. That one invoice you’ve been meaning to send. You know what needs to get done, but your nervous system says nope. Instead of taking action, you freeze. You feel the butterflies in your stomach. The dread. The shame. And then comes the self-talk: Why am I like this? It’s not even that hard. A client of mine recently shared how this cycle plays out for her—how even simple tasks...

Dear Reader, There’s a moment every entrepreneur faces eventually— Sales don't go as desired. The numbers don’t reflect the effort. And doubt starts to creep in. Suddenly, you’re questioning everything: Was it the pricing? Did I do something wrong? Should I have played it safer? And underneath those questions is the fear: Is my business even sustainable? A client of mine recently navigated this exact experience. After bravely raising their prices to reflect their time and energy, their launch...

Dear Reader, A client recently shared: “I’m struggling with the idea of spending over $2,000 on myself.” If you’ve ever felt that kind of tension in your body when it’s time to spend money on you, you’re not alone. Especially if you’re a first-gen wealth builder, you were likely raised to believe that money is for surviving—not thriving. That it should go toward family, bills, emergencies—not coaching, therapy, rest, or joy. And when that belief lives in your nervous system, investing in your...

Dear Reader, Ever tell yourself… “What if I fall back into old habits after three months?” “Is this just one more thing I’m trying?” That thought? It’s one I hear all the time from first-gen wealth builders. And it makes sense. Because if you’ve ever: Started a budget only to abandon it during a family emergency Tried meal prepping or a new routine but couldn’t keep it going during a stressful work season Set boundaries around money but struggled to maintain them without guilt ...then yeah—of...