Latina Financial Education, Investing & Wealth Building: MoneyChisme
MoneyChisme is a personal finance podcast for women of color ready to take control of their money, build wealth, and create financial independence.
Join Violeta Sandoval, a first-generation Latina investor and entrepreneur, for honest conversations about money management, investing for beginners, paying off debt, growing your income, and starting a business. Get practical strategies to build generational wealth—even if you’re the first in your family figuring this out.
We talk about the money questions you’ve been afraid to ask and the cultural expectations that can make building wealth complicated: supporting family, feeling guilty for wanting more, and learning financial lessons nobody taught you.
Through relatable stories, expert interviews, and candid hot takes, MoneyChisme makes financial education approachable and connects your money decisions to what matters: freedom, family, and community.
The mission? Help close the racial wealth gap and give more women of color the tools to build wealth on their own terms.
Subscribe to MoneyChisme for personal finance tips, real-life money conversations, and a little chisme. Let’s grow your money, buy back your time, and rewrite your family’s money story.
Latina Financial Education, Investing & Wealth Building: MoneyChisme
124. How to Get Out of Debt Fast (Without Hating Your Life)
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If you’ve ever felt like you should be further ahead with money — even after earning more or having opportunities — this episode brings clarity to why that happens and how to move forward.
Violeta sits down with Justin Brown-Woods, an accredited financial counselor who shares how he went from receiving a $600,000 inheritance to falling into over $220,000 of debt — and how he turned things around by paying off more than $130,000 in just 18 months.
They dive into how lack of financial education, lifestyle inflation, and emotional habits can impact your finances, regardless of income. Justin also shares practical, realistic approaches to budgeting and debt payoff, including how to make budgeting feel less restrictive and more aligned with your values.
The conversation also explores the emotional side of money — from shame and avoidance to how debt affects your mental health and relationships — and offers mindset shifts to help you move forward with more confidence and clarity.
We cover:
• How lifestyle inflation can lead to debt — even with a large income or payout
• Why financial education matters more than how much you earn
• A more flexible, values-based approach to budgeting
• Practical strategies to stay consistent with your finances
• How to overcome shame and avoidance around money
• Different debt payoff methods and how to choose one
• Tips for navigating money conversations in relationships
• Why your financial situation does not define your worth
This episode is a reminder that you’re not behind — you’re learning. And with the right tools and mindset, you can take back control of your finances.
Mentioned in this episode:
Haley and Justin Brown-Woods’ Financial Counseling
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Resources:
Start Investing with M1Finance or Fidelity
Finance Books to Start Your Journey
Open a High Yields Account
Support/Apoya MoneyChisme
Disclaimer:
I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.
*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.
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