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Hosted on Acast. See acast.com/privacy for more information.
Are you building a business but still feeling unsure about taxes and money moves?
In this conversation, I sat down with Laura Zarrate, CPA, to break down what every small business owner needs to know. We talked about the truth behind LLCs, write-offs, and quarterly taxes—plus the mindset shift it takes to go from employee to entrepreneur. Laura also shared her powerful perspective on defining wealth beyond just money—because for many of us, it’s about freedom, time, and familia.
Chapters:
00:00 – Meet Laura Zarrate, CPA: Latina Entrepreneur & Tax Expert
06:25 – LLCs and Taxes: What Small Business Owners Need to Know
11:52 – How Quarterly Taxes Work (and How to Stay Ready)
16:17 – Small Business Write-Offs: What You Can (and Can’t) Deduct
22:47 – Shifting Your Sales Mindset: Charge Your Worth with Confidence
26:09 – Redefining Wealth: Freedom, Family, and Time Over Money
🚀 Ready to launch your project or business idea in 90 days or less?
Apply now to join the Jefas y Wealth Mastermind — a high-impact space for bold mujeres ready to turn their vision into action with strategy, support, and comunidad.
Spots are limited, so don’t wait!
https://sayholawealth.com/jefas-wealth/
✨ Enjoyed this episode?
Don’t forget to subscribe to the channel, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream.
💌 Want more behind-the-scenes insights and exclusive convos?
Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸
Let's Build Wealth Juntas,
Luzy
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In this engaging conversation, Hadi Mendez shares her journey as the author of 'Calladita No More,' discussing her upbringing, experiences with money, and the motivation behind her book. She emphasizes the importance of confidence, self-advocacy, and planning for career growth, particularly for women in the workplace. Hadi also reflects on her passion for street art and photography, and she redefines wealth as being about relationships and community rather than just financial success.
What You'll Learn:
00:00 Introduction to Hadi Mendez and Her Journey
02:01 Growing Up and Money Experiences
06:35 The Motivation Behind Writing 'Calladita No More'
08:38 Building Confidence and Overcoming Imposter Syndrome
12:14 Navigating Workplace Challenges and Demotions
16:14 Taking Charge of Your Career and Self-Advocacy
20:49 Planning for the Future in a Challenging Workplace
24:40 The Importance of Community and Connection
28:25 Hadi's Passion for Street Art and Photography
30:13 Defining Wealth Beyond Money
Buy Hadi's book using our affiliate link: https://bookshop.org/shop/sayholawealth
Connect With Hady on Instagram.
Ready to increase your net worth by $20K or more?
Join The Say Hola Wealth Academy — our signature program where we help first-gen wealth builders grow their wealth through salary negotiations, career pivots, mindset coaching, and smart investing.
✨ If you’re ready to rewrite your money story and step into your financial power, this is for you.
Join today at https://sayholawealth.com/academy
✨ Enjoyed this episode?
Don’t forget to subscribe to the channel, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream.
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In this episode, Luzy breaks down the top money lessons from 2025 and the wealth-building moves she’s making in 2026. From navigating economic uncertainty to managing unexpected health scares, she shares a transparent look at how financial preparedness, intentional investing, and strategic planning shaped her year.
Luzy explores why investing in your health is one of the most powerful wealth decisions you can make, how automating your finances reduces stress and overthinking, and why aligning your money with your values matters now more than ever. She also dives into the difference between good money vs. quick money, the rise of ethical investing, and the importance of diversifying your skill set to stay competitive in a changing economy.
00:00 – Introduction: Top Money Lessons from 2025 and What’s Ahead for 2026
01:08 – How to Navigate Financial Uncertainty and Personal Setbacks
02:51 – Health Scares and the Importance of Financial Preparedness
05:31 – Investing in Your Health: The Wealth Strategy Most People Ignore
07:52 – Why Automating Your Finances Reduces Stress and Builds Wealth
09:34 – Understanding Economic Challenges and Building a Resilient Money Mindset
11:11 – Good Money vs. Quick Money: How to Make Wealth-Aligned Financial Decisions
16:16 – Ethical Investing: Aligning Your Portfolio With Your Personal Values
19:05 – Skill Diversification: How Continuous Learning Increases Your Earning Power
21:42 – Wealth Goals for 2026 and How to Plan for Long-Term Financial Growth
✨ If you’re craving a personalized path to financial freedom and want a coach who understands your journey — this is for you.
Spots are limited to ensure high-touch support.
Apply now to get started: https://sayholawealth.com/financial-coaching/
Want to stay in the loop with wealth-building tips and behind-the-scenes insights?
Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸
Let’s build wealth juntas,
Luzy
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Delia Ruiz discusses the lack of representation in translated literature by non-Latine authors and emphasizes the importance of integrating culture and experiences into educational standards. She encourages individuals to take initiative in creating the content they wish to see and highlights the importance of community and diversity in these efforts.
Episode Highlights
00:00 Introduction to Delia Ruiz
00:37 Inspiration Behind Delia's Books
00:40 Publishing Journey: Self-Publishing vs Traditional
About our guest:
Delia is a first-generation Latina author whose stories bloom from her rich Mexican heritage. Delia weaves worlds with words while keeping her heart anchored to her culture. Through her social platforms, she champions diverse literature and creates teacher resources that celebrate multicultural voices and experiences. She hopes to inspire the next generation of writers who also come from immigrant households.
Connect with Delia on instagram.
Ready to increase your net worth by $20K or more?
Join The Say Hola Wealth Academy — our signature program where we help first-gen wealth builders grow their wealth through salary negotiations, career pivots, mindset coaching, and smart investing.
✨ If you’re ready to rewrite your money story and step into your financial power, this is for you.
Join today at https://sayholawealth.com/academy
✨ Enjoyed this episode?
Don’t forget to subscribe to the channel, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream.
💌 Want more behind-the-scenes insights and exclusive convos?
Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸
Let's Build Wealth Juntas,
Luzy
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Connecta con Vanesa en Instagram
¿Lista para crear tu libertad financiera? Unete a nuestra communidad
www.sayholawealth.com/hola
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In this episode of the Say Hola Wealth Podcast, Luzy sits down with Dr. Christina, a first-generation Latina scientist, veteran, and creator of Running on Science, to discuss how she broke into STEM against all odds.
From growing up in La Puente, CA, navigating grief and financial struggles, to joining the military, returning to school with the GI Bill, and cold-emailing her way into a research lab, Dr. Christina shares what it really looks like to pursue a STEM career as a Latina. She also opens up about her work studying traumatic brain injuries, her love for running and travel, and why her definition of wealth is deeply tied to freedom and time.
If you’re a first-gen Latina thinking about STEM, career pivots, or redefining what’s possible for you, this conversation will give you both inspiration and permission to dream bigger.
If this episode reminded you that you deserve more options with your money and your career, make sure you’re on the Cash Libre newsletter.
Join the Cash Libre newsletter to get weekly, culture-centered money tips, and wealth-building tools
.
www.sayholawealth.com/hola
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In this conversation, Luzy discusses the significance of high yield savings accounts as a financial cushion during uncertain times. She emphasizes their role in providing access to funds when regular income is disrupted and highlights their importance in building a foundation for generational wealth.
What you'll learn:
00:00 Introduction to High Yield Savings Accounts
00:08 Building Financial Safety with Savings
00:43 Factors Influencing High Yield Savings Rates
If you want to open a HYSA with my favorite bank feel free to use my affiliate link: https://www.ally.com/referral?code=7S4J6Y5M5Z&CP=MobileAppReferFriend
Subscribe to the Cash Libre Newsletter today: www.sayholawealth.com/hola
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n this episode, Luzy shares her journey of writing her upcoming book, 'Cash Libre.' She discusses the challenges she faced in the writing process, her decision to explore different publishing options, and the importance of community and cultural impact in her work. Luzy also talks about her preparations for the book launch, including finding advanced readers and working with a voice coach to enhance her narration skills.
Episode Highlights:
00:00 Introduction to Cash Libre
04:49 The Writing Process and Challenges
09:33 Publishing Options Explored
14:01 Choosing the Right Publishing Model
18:46 Preparing for Launch and Voice Coaching
Ready to become Cash Libre? Join our newsletter or more about our programs here:
www.sayholawealth.com/hola
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It’s spooky season, and we’re exposing the scary habits haunting small business owners’ bank accounts — from comparison traps to confusing social media with real strategy.
If you’ve ever thought, “If Susanna has a website, I need one too,” this episode is your reminder to stop comparing and start building your business with intention.
Perfect for Latina entrepreneurs and small biz owners ready to ditch fear and create a 30-day plan that supports peace and profit.
How comparison keeps you stuck and drains your profits
The difference between a business plan and a social media plan
Why paying yourself — even $50 — is crucial from day one
Creative ways to generate demand during slow seasons
How to plan your business finances for the next 30, 60, and 90 days
What to focus on first if you’re ready to grow your business sustainably
Ready to grow your business and your wealth with confidence?
Join our free email list for exclusive tools, workshops, and financial wellness tips for Latinas and first-gen entrepreneurs.
👉Sign up at sayholawealth.com/hola
Let’s build wealth sin miedo — together. 💫
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If you've ever felt financially behind, this episode is your reminder: you're doing better than you think. Luzy shares the 3 truths about finances she wishes she knew in her 20s and how to start building wealth as a first-gen Latina.
Episode Highlights:
00:00 – Intro: Why this episode matters Luzy shares why conversations about money matter, especially for Latinas navigating adulthood and finances.
02:04 – “I’m not good with money” mindset. Where this belief comes from and how to find evidence that you are actually good with money.
05:50 – Financial confidence starts with awareness. Showing up to your job, paying your bills, and thinking about money are all signs of financial capability.
08:32 – Truth #1: Education is not the key to wealth Why traditional education opens doors, but financial education is what keeps you in the room.
12:20 – Truth #2: Loyalty doesn’t build wealth A career warning: staying loyal to a company won’t protect your finances. Learn what you should be loyal to.
16:30 – Truth #3: No one is coming to save us The myth of financial rescue—and why your future success depends on you, not outside systems.
20:08 – The power of who you surround yourself with. We are the average of the five people around us. Are your friends holding you back or pushing you forward?
24:00 – Weekly challenge & closing thoughts Luzy shares one action step to help you reflect and take control of your financial journey.
Ready to increase your net worth by $20K or more? Private coaching is now open for first-gen wealth builders who are ready to get focused, supported, and financially healthy.
www.sayholawealth.com/hola
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In this enlightening conversation, Alana shares her transformative journey from feeling lost and anxious about money to embracing a wealthy mindset and making audacious financial moves. With the guidance of Luzy she learns the importance of self-care, spending, investing, and breaking free from limiting beliefs about money. Alana's story highlights the power of financial education and the impact of having open conversations about money, especially within marginalized communities.
Episode highlights:
00:00 Introduction to Alana's Journey
01:48 From Existing to Thriving: Alana's Transformation
03:44 Redefining the Relationship with Money
06:48 Investing in Self-Care and Abundance
09:35 Making Audacious Money Moves
12:18 The Power of Financial Projections
15:29 Breaking Money Taboos and Conversations
17:13 Encouragement for Future Millionaires
Ready to start your financial freedom? Book a call with me today using the link below.
www.sayholawealth.com/hola
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In this episode of The Say Hola Wealth Podcast, Luzy King shares how one first-gen Latina went from feeling stuck and unsafe around money to confident and financially secure.
Through the Say Hola Wealth Academy, she learned to understand her money, release family-limiting beliefs, and grow her wealth — fast, but without burnout. She calls this journey “the best investment I’ve ever made.”
🎧 Tune in to learn:
How to identify and release family money beliefs
Why safety and support are key to building wealth
What growing your wealth “fast” really means — sustainably and joyfully
How The Say Hola Wealth Academy helps first-gen Latinas transform their financial lives
Ready to build wealth with clarity, confidence, and community?
Apply to be part of our membership program today at sayholawealth.com/academy
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In this engaging conversation, Tatiana Bolanos shares her inspiring journey from being one of the youngest Latinas to sign with Sony Music to founding the Lilac Agency, a thriving talent management firm. She discusses the significance of the creator economy, the unique strengths of her agency, and practical steps for creators to work with brands.
Episode Highlights:
00:00 From Music to Management: Tatiana's Journey
03:16 The Creator Economy: Understanding Its Impact
05:59 Building a Community: The Unique Strengths of Lilac Agency
08:50 Practical Steps for Creators: Working with Brands
11:35 Challenges in the Creator Space: Dismantling Barriers
15:36 The Importance of Speaking Up: Creators and Advocacy
18:27 Long-Term Opportunities: Beyond Brand Deals
20:57 Navigating Growth: When to Seek Management
23:56 Balancing a 9 to 5 with Content Creation
25:47 Defining Wealth: Freedom and Beyond
About our guest Tatiana:
Tatiana Bolaños got her start in Mexico's mariachi music scene, becoming the youngest artist ever signed to Sony Records at just six years old, even sharing the stage with Mexican singing legend Vicente Fernández (see image attached). Today, she is the founder and CEO of The Lilac Agency, a $4 million talent management agency representing some of the internet's biggest creators. Tatiana has built a safe, intentional space for BIPOC and women of color creators in an industry where they're often overlooked, proving that cultural power and visibility coexist at a large scale.
Connect with Tatiana on Instagram.
Want to stay in the loop with wealth-building tips and behind-the-scenes insights?
Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸 Let’s build wealth juntas, Luzy
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In this episode of the Say Hola Wealth Podcast, Luzy interviews her client, Martha Elizabeth González, a Latina who shares her inspiring journey to financial independence. From navigating life as an immigrant and pursuing higher education to overcoming the weight of student loans, Martha opens up about her money fears, mindset shifts, and the importance of cultural identity in financial conversations.
Her recent achievement of student loan forgiveness marks a powerful milestone in her wealth journey.
✨ Tune in for an empowering conversation on:
00:00 Introduction to Martha's Journey
02:50 Navigating Cultural and Educational Challenges
05:43 Financial Struggles and Student Loans
08:34 Overcoming Fears and Mindset Shifts
11:09 Transforming Debt into Wealth
14:01 Future Financial Vision and Investments
17:00 Celebrating Financial Accomplishments Ready to increase your net worth by $20K or more?
Join The Say Hola Wealth Academy — our signature program where we help first-gen wealth builders grow their wealth through salary negotiations, career pivots, mindset coaching, and smart investing. ✨ If you’re ready to rewrite your money story and step into your financial power, this is for you. Join today at https://sayholawealth.com/academy ✨ Enjoyed this episode? Don’t forget to subscribe to the channel, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream.
💌 Want more behind-the-scenes insights and exclusive convos? Join our Cash Libre Newsletter at https://sayholawealth.com
where we keep it real about building wealth, purpose, and legacy.
💸 Let's Build Wealth Juntas, Luzy
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In this episode of the Say Hola Wealth Podcast, Luzy King opens up about the mindset shifts that transformed her financial journey—from $220,000 in combined student loan debt to becoming an angel investor in three Latina-owned businesses.
You’ll learn:
Why waiting for the “perfect time” to act is costing you money and peace of mind
How limiting beliefs hide beneath the surface and quietly sabotage your goals
Why another certification or book won’t move the needle on your financial independence
The mindset shift that turned fear into financial empowerment
How accountability and coaching can fast-track your freedom and income growth
✨ Ready to stop waiting and start building the life you know you’re meant for? I’m opening 5 private coaching spots starting this October.
Book your call now through the link in the show notes and claim your spot today!
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In this conversation, Luzy and Aminder explore the journey of becoming a CPA, the importance of understanding personal and business finances, and debunk common myths surrounding accounting. Aminder shares insights on the significance of categorizing expenses, the necessity of paying oneself as an entrepreneur, and the personal growth that comes with entrepreneurship.
Episode Highlights:
00:00 Introduction to the Journey of a CPA
02:42 Understanding Personal and Business Finances
05:35 Debunking Accounting Myths
08:32 The Importance of Categorizing Expenses
11:22 Paying Yourself as an Entrepreneur
14:21 Personal Growth Through Entrepreneurship
17:16 Cultural Perspectives on Money Management
20:07 Building a Business and Client Relationships
22:46 Advice for Entrepreneurs on Financial Management
25:28 Defining Wealth and Closing Thoughts
🚀 Ready to launch your project or business idea in 90 days or less? Apply now to join the Jefas y Wealth Mastermind, a high-impact space for bold mujeres ready to turn their vision into action with strategy, support, and comunidad.
Spots are limited, so don’t wait! https://sayholawealth.com/jefas-wealth/ ✨
Enjoyed this episode? Don’t forget to subscribe to the channel, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream.
💌 Want more behind-the-scenes insights and exclusive convos? Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy.
💸 Let's Build Wealth Juntas, Luzy
P.S. My affiliate link for QuickBooks supports my work, like providing this free podcast for you!
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In this episode, Camila shares her journey as a brand photographer and videographer, emphasizing the importance of storytelling and authenticity in branding. She discusses her evolution from a corporate job to entrepreneurship, the significance of personal branding, and how she helps clients build confidence and visibility.
Epidose highlights:
00:00 The Evolution of Camila's Brand
07:10 Understanding Branding Beyond Aesthetics
09:33 The Process of Building Client Confidence
11:38 Traveling as a Creative Entrepreneur
14:23 Debunking Branding Myths
16:37 Navigating Visibility as a Marginalized Person
19:23 Investing in Personal Branding
20:11 Camila's Pricing and Offerings
22:13 The Meaning Behind 'Industry Outliers'
25:55 Future Goals and Financial Aspirations
28:59 Connecting with Camila and Her Offers
Connect with Camila on Instagram
Ready to increase your net worth by $20K or more?
Private coaching is now open for first-gen wealth builders who are ready to get focused, supported, and financially empowered.
For six months, you’ll work 1:1 with me to rewrite your money story and build real, sustainable wealth through:
💼 Salary negotiations
🔁 Career pivots
🧠 Mindset coaching
📈 Smart investing strategies tailored to your goals
✨ If you’re craving a personalized path to financial freedom and want a coach who understands your journey — this is for you.
Spots are limited to ensure high-touch support.
Apply now to get started: https://sayholawealth.com/financial-coaching/
Want to stay in the loop with wealth-building tips and behind-the-scenes insights?
Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸
Let’s build wealth juntas,
Luzy
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In this conversation, Luzy and Pabel Martinez discuss the intersection of mental health and entrepreneurship, with a particular focus on the challenges faced by Latino founders in the tech industry.
Pabel shares his journey from working in big tech to launching a mental health app, emphasizing the importance of authenticity, overcoming limiting beliefs, and the unique challenges of being a non-technical founder.
Episode Highlights:
00:00 Introduction to Mental Health and Entrepreneurship
00:08 Pabel's Journey: From Tech to Mental Health
04:50 Navigating Doubts as a Non-Technical Founder
08:56 The Importance of Authenticity in Professionalism
13:22 Understanding Limiting Beliefs
16:28 Seeking Opportunities and Funding for Growth
22:41 Conclusion: The Future of Mental Health and Wealth
About Our Guest: Pabel Martinez
Pabel is the founder of Plurawl. Plurawl is a mobile app that uses AI to help identify/ overcome your limiting beliefs, such as when you jump to conclusions.
Connect with Pabel on Instagram.
🚀 Ready to launch your project or business idea in 90 days or less?
Apply now to join the Jefas y Wealth Mastermind — a high-impact space for bold mujeres ready to turn their vision into action with strategy, support, and comunidad.
Spots are limited, so don’t wait!
https://sayholawealth.com/jefas-wealth/
✨ Enjoyed this episode?
Don’t forget to subscribe to the channel, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream.
💌 Want more behind-the-scenes insights and exclusive convos?
Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸
Let's Build Wealth Juntas,
Luzy
P.S
🎧 Enjoyed this episode? You might also like:
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In this episode, we delve into the intricate world of cultural challenges in marketing. Join us as we explore how brands can effectively navigate diverse cultural landscapes to create authentic connections with their audiences.
Our expert guests, Ashley Rivera, share real-world examples and strategies for overcoming cultural barriers, ensuring your marketing efforts resonate globally. Don't forget to subscribe, like & share!
🚀 Ready to launch your project or business idea in 90 days or less? Apply now to join the Jefas y Wealth Mastermind — a high-impact space for bold mujeres ready to turn their vision into action with strategy, support, and comunidad. Spots are limited, so don’t wait!
https://sayholawealth.com/jefas-wealth/ ✨ Enjoyed this episode?
Don’t forget to subscribe to the podcast, leave a comment with your biggest takeaway, and share this video with another poderosa Latina ready to launch her dream.
💌 Want more behind-the-scenes insights and exclusive convos? Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸
Let's Build Wealth Juntas, Luzy
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In this conversation, Luzy and Alex Cordova discuss the intricacies of buying property in Mexico. Alex shares his journey into real estate, the steps involved in purchasing property, and the importance of working with a reliable real estate agent. They also address common myths about safety in Mexico and highlight the significance of building relationships with clients.
Episode Highlights:
00:00 Introduction to Real Estate in Mexico
02:55 Steps to Buying Property in Mexico
07:33 Understanding Property Ownership for Foreigners
12:11 Navigating the Buying Process and Financing
16:35 Client Success Stories and Building Relationships
21:30 Future Goals and Language Skills
About our guest Alex:
Alex Cordova is a 26-year-old real estate agent based in Mexicali. He specializes in helping clients buy and sell properties in the area, offering professional guidance through every step of the process. Passionate about fitness and sports, Alejandro enjoys going to the gym and playing basketball in his free time.
Connect with Alex on Instagram
Ready to increase your net worth by $20K or more?
Private coaching is now open for first-gen wealth builders who are ready to get focused, supported, and financially empowered.
For six months, you’ll work 1:1 with me to rewrite your money story and build real, sustainable wealth through:
💼 Salary negotiations
🔁 Career pivots
🧠 Mindset coaching
📈 Smart investing strategies tailored to your goals
✨ If you’re craving a personalized path to financial freedom and want a coach who understands your journey — this is for you.
Spots are limited to ensure high-touch support.
Apply now to get started: https://sayholawealth.com/financial-coaching/
Want to stay in the loop with wealth-building tips and behind-the-scenes insights?
Join our Cash Libre Newsletter at https://sayholawealth.com — where we keep it real about building wealth, purpose, and legacy. 💸
Let’s build wealth juntas,
Luzy
Hosted on Acast. See acast.com/privacy for more information.