1:1 Money Coaching For First Gen WOC
A 6 month money coaching program that helps you set yourself up to retire comfortably and learn to invest so your money is working for you.
As a first-gen WOC, you were likely taught to “save, save, save.”
But you haven’t had much guidance on what to do beyond saving.
But only saving money keeps you stuck.
It keep your working for money.
But learning to invest, allows money to work for you.
Does this sound familiar?
Your money strategy is basically “save more”…but you don’t really have intention or vision for your money. It’s just “sitting there.” You want to make the most out of your salary, but feel confused on what steps to take
You might have a big $20k savings, yet you still feel anxious with money. You tend to “catastrophize” and constantly worry about not having enough…even with your savings continuously growing.
You feel like you’re stagnant. Sure, you’re “doing okay” but you feel like you’re not optimizing or making your money “work for you”…and also - what does that even mean? With tons of info out there, it’s hard to know what advice to follow or who to listen to.
You know you should be investing but feel lost about “where to start?” Attempts at trying to learn “how” are often met with overwhelm because of the vast amount of information available…so you put it off year after year.
You’re good at saying 'no' to spending and struggle with guilt-free purchases. Every expense is questioned through “is this necessary?” or “do I really need this?”, making it impossible to spend with peace & freedom.
You’ve gotten some CDs and maybe even have a financial advisor - but you’re still way confused about how investing works. You want to feel knowledge & confident making investment decisions knowing that you understand how all this works.
Now Imagine…
You have so much clarity & confidence around your money. You spend with ease, never feeling bad because you also know your retirement is building in the background and you will for sure be able to retire comfortably.
Your money is now working for you. You’ve stopped just stock piling money in your savings and instead, are putting money to work for the next version of you: the one who wants to start a family, take a break from work, or pivot into a career you actually enjoy.
You’re able to pull $3,000 from your investments to help your parents and a few months later, you see your account bounce back, even though you didn’t add anything new.
Management feels light because you know you’ll always have enough. You stop protecting your savings and instead money flows in and out. You’re not just a “saver” but now a wealth builder.
Your future excites you. You see yourself taking extended vacations, being able to support your aging parents and living & enjoying life at a slower pace. All made possible by the financial foundation you've built.
Introducing
1:1 Money Coaching
A6 month private money program for first gen WOC who want to learn how to invest so their money works for them.
IN 6 MONTHS OF 1:1 COACHING, YOU GET:
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Biweekly Coaching Calls
12 biweekly video calls (60 mins each) where we dive into your personalized money & investing strategies
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Money & Investing Course
Access to my money & investing course as well as relevant resources to support your investing journey & education.
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Messaging Support In Between Calls
Voice/text support to answer any questions that come up in between calls. You’ll be able to reach me Mon - Fri from 9am - 5pm EST
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Money Personalization
There are so much generic money advice out there. In 1:1, you learn how to make smart money decisions that are best for your unique first gen expereinces/circumstances.
The Process We’ll Go Through
Create a simple and automated money system that helps you save consistently
You’ll set up a paycheck distribution system that organizes your income into bills, spending, savings, debt pay off and investing, automatically. No more wondering where your money went. You’ll always know exactly what’s “safe to spend” because you know your money is also going to the right places like retirement, debt pay off or savings.
Build a debt pay off plan without stalling wealth growth
You don’t have to pause your wealth goals to pay off debt. This is a wealth killer. I’ll help you create a strategy that minimizes the interest you’re pay and keeps your savings and investments growing so you’re building wealth while you pay things down, not just waiting until you’re “debt free.”
Get you on track to retire comfortably, and not stress about money when you stop working
We’ll define your retirement end goal, calculate how much to contribute now, and audit your current investments. Whether you’re starting from zero or already investing in a 401k or Roth IRA, you’ll leave with a personalized plan and the confidence to know you’re actually on track to hit a comfortable retirement.
Start investing to fund goals that come before 65 such as - becoming a home owner, taking a year long sabbatical, supporting your parents in their retirement
Investing isn’t just for “retirement.” I’ll help you start building an investment portfolio that supports the goals you care about before 65. Whether that’s a future home downpayment, supporting your family in retirement, taking time off work, or just having extra money for anything that comes up.
The Investment
$4,000 paid in full
$1,050/month for 4 months
$700/month for 6 months
1:1 Client Testimonials
Brenda created $600k for her future self
Brenda had over $50k sitting in savings and CDs. Her 401k was at $8k and her Roth IRA wasn’t being used. She had a lot of money…but it was just sitting there, not doing anything for her.
"I had spent the last 20 years saving money, but it wasn’t working for me. I didn’t want to spend the next 20 years saving but still not knowing how to invest/grow my money."
Inside 1:1 money coaching, Brenda grew her investing portfolio to $24,707.44 (up from $8k) across her 401(k), Roth IRA, and a brokerage account .With the changes & updates we made to her investing plan, she’s on track to add $695,291.63 to her retirement balance.
Maribel built a $100k legacy for her daughter
Maribel was earning more than she ever had but still felt like her money wasn’t going anywhere. She didn’t have an emergency fund, or had never invested before. But wanted to set up her daughter for success.
Inside 1:1 money coaching, she saved 2 months of expenses, optimized and automated her retirement contributions and is now on track to retire with $2,000,000.
She opened a custodial account for her daughter which will grow to over $120,000 by the time her daughter turns 18. She will now pass on a $120k legacy to her daughter without sacrificing her own retirement.
Brianna built a $250K portfolio to support her parents in retirement
Brianna knew she wanted to help support her parents in retirement, but didn’t know where to start or how to actually make it happen.
Inside 1:1 money coaching, we built an investing plan that would grow to a $250K portfolio specifically for supporting her parents without sacrificing her own goals.
She’s now on track to retire comfortably and has started a Hybrid Saving & Investing Plan for a future down payment. She’s supporting her family and building her own wealth, at the same time.
Viviana went from no retirement strategy to building a $2.1M plan
Viviana was 32 and hadn't really started investing for retirement. Her jobs had never offered a 401(k), and while she had opened a Roth IRA, the money was just sitting there uninvested.
Inside 1:1 money coaching, we built her first ever retirement plan. She rolled over old accounts, set up her Roth IRA and HSA, and started investing consistently even while paying off debt and saving for a future home. She’s now on track to retire at 59 with over $2.1 million.
Andres started building a $60,000 fund to buy his first home
Andres knew he wanted to buy a house but didn’t know the smartest way to save for it. He knew he didn’t want to buy a house right away so he wanted to make his money work as he waits for a good time to buy.
Inside 1:1 money coaching, we built a plan that lets him save and invest toward a $60,000 down payment so his money isn’t just sitting, it’s growing. His investing strategy is designed to help him reach his goal faster without putting his future home at risk.
Ingrid turn “old 401ks” into $190k more for retirement
Ingrid had over $50,000 sitting in an old 401(k) completely uninvested. It had been in cash for years, not working for her.
Inside 1:1 money coaching, we rolled the $50k in her old 401k and she actually invested that money. Now, that $50k is projected to grow to over $190,000 to add to her retirement, just from putting her money to
Mercedes went from $0 invested to building a $1.3M retirement plan
Mercedes didn’t have anything set up for retirement. She had savings, but wasn’t sure how to use it wisely, and the idea of “catching up” felt overwhelming.
Inside 1:1 money coaching, we opened up the right investing accounts for her (an independent contractor) Traditional IRA and Solo 401(k), and set up an investing schedule that aligned with her goals and income. Now she’s on track to retire with over $1.3 million even though she started in her mid 30s.
Veronica is investing to have a $2.6M retirement, a $112k down payment, and $600k+ to support her parents in retirement
Veronica didn’t want to pick between her own future, buying a home, or helping her parents retire, so inside 1:1 coaching, we built a plan to do all three. She’s now on track to retire with $2.6 million, she has a Hybrid Saving & Investing Plan towards a $112k down payment, and is building a $600k+ fund to support her parents in retirement. She’s now using investing to make progress on all her goals without always having to work harder or “save more.”
