I break down 3 easy year-end money moves for your cash, credit, and retirement so you can be work-optional sooner instead of working forever. You don’t need a perfect year or a six-figure salary to make progress with your money.
I also share a life update: navigating an ER visit alone and uninsured as a queer, nonbinary, single person estranged from family, and how the wealth I’ve built changed my options, my stress levels, and my ability to advocate for myself.
We’ll cover:
Why your checking account is the worst place for your savings and how to quickly move your cash into a high-yield savings account
How to look at your credit score, APR, and credit cards without shame—and start using credit as a tool for passive income, not a trap
The exact retirement questions to ask yourself at the end of every year (401(k), Roth IRA, IRA), even if you’ve never “maxed out” anything before
What it actually looks like to make these moves as a low-income, queer, first-gen person
I want to invite you to my next investing class on January 20th: The 2026 Gay Agenda: Retirement Investing Made Simple. You’re going to learn exactly which retirement investing moves to make right now—Roth IRAs, 401(k)s, and the accounts that actually grow your nest egg, not just hold your cash. You’ll walk away knowing where your money needs to go in 2026, how to set up and invest inside your Roth + 401(k), what to prioritize even if you’re paying off debt, and why your non-retirement investing account is your side hoe. RSVP for the class here. It is in person in Portland, Oregon, or virtual. Anyone is welcome.
I help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even if you don’t make six figures. If you’re done trying to DIY this and want a customized plan for your savings, credit, and investments, I am taking clients.
Book a call here to start six-month one-on-one coaching. Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100.
Sign up for my Crush Debt, Retire Early emails here.
About your host:Charly Stoever (they/he/papi) is a nonbinary Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt, boost their credit scores, and start building a six-figure retirement—even without a six-figure salary. They’re a formerly undocumented Mexican American and ex-stockbroker who has traveled solo to 39 countries and is a full-time international pet sitter.