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PODCAST

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt & Retire Early

@travelercharly

This personal finance podcast is hosted by @TravelerCharly, a nonbinary latinx money coach & DEI speaker. I help LGBTQ+, BIPOC, and first-gen professionals crush debt, boost credit scores, and build a six figure retirement—without needing a six-figure salary. Start 6 month private coaching, which includes biweekly calls, daily messaging support, and exclusive curriculum: https://calendly.com/travelercharly/clarity Join my email list: https://www.subscribepage.com/rothfreak Instagram:

business investing

All Episodes

00:31:06

107. Renting vs. Buying a Home for First Gens

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/12/09

In this episode, I answer: should you rent or buy a home? It’s not about following the crowd or what society expects—it’s about making the best financial decision for YOU. Many Latinx families see real estate as the only path to building wealth, but is it really? I break this down and explore smart wealth-building strategies, and show you client examples of how renting is a better choice than buying and vice versa. Tune in to gain clarity on whether homeownership is truly your goal—or just what

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00:30:16

106. How LGBT/BIPOC can use Credit Card Points to...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/11/26

Listen to this episode to learn how LGBT/BIPOC can use Credit Card Points to Travel the World. I met Rachel at Fincon recently and we talked all about points transfers, which websites to use, credit cards, and simple ways to level up your points game!Thomas Life is an Affordable Travel Strategist + Planner. Find her on: YouTube: https://www.youtube.com/@RachelThomasLife Instagram: https://www.instagram.com/rachelthomaslife/ TikTok: https://www.tiktok.com/@rachelthomaslife Website:

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00:24:30

105. How LGBT/BIPOC can Boost Your Credit Scores to 800+

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/11/21

Are you ready to join the 800+ credit score club? In this episode, we dive into why boosting your credit score is more urgent than ever—and how to make it happen. Building a strong credit score isn't just about securing loans for a home or car. It's about unlocking financial freedom and creating opportunities in every aspect of life. Here’s what you’ll learn: How to help loved ones build their credit by adding them as an authorized user The benefits of lower interest rates on credit cards Getting

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00:40:18

104. Unlocking Scholarships for Adults: Travel,...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/11/11

In this episode, Charly gives their thoughts on the duality of your net worth being the highest with stocks being up while also grappling with the election results. They also interview financial mentor and scholarship expert Ms. Chika, who shares her insider tips on unlocking scholarships for adults—beyond higher education. Whether you’re looking for funding for conferences, professional development programs, travel opportunities, or skill-building workshops, Ms. Chika reveals how to access these

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00:41:13

103. How Election Day impacts your stocks & what to...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/11/04

Election day is a HUGE day for the stock market. Listen to this timely episode to learn all about how to navigate stock market fluctuations in intentional ways, with the election tomorrow as just one example. I share how I borrowed $16,000 of stock in a risky day trade the last election and what I'm doing with my stocks this time around. I also share how I'm practicing self care as this is an extremely stressful time for a lot of us, and how I navigated an awkward AF interaction as a queer person

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00:21:40

102. Why November's the BEST time to start money...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/11/01

Listen to this episode to learn why November is the BEST time to start money coaching with me! November is when open enrollment for Employer benefits starts, and in particular, Health Savings Accounts (HSAs)! This lasts from November 1- January 15. This is the time when you can enroll in, renew, or change your health plan through the Marketplace. HSAs are sexy because they're TRIPLE tax-advantaged savings accounts specifically designed for medical expenses. Most people don't know how to fully

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00:37:01

101: Removing Shame: Pet Sitting as an Income Source

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/10/15

I've worked on removing the shame I had around pet sitting for the past DECADE as an additional revenue stream, and I'm sharing more about it! Listen to this episode to learn how to destigmatize your income sources and retire sooner. Pet sitting is part of my early retirement plan. 've made thousands of dollars pet sitting and saved tens of thousands of dollars on rent that I'm investing instead. I also share how having 31 five star reviews on Rover helped me jump right into getting booked out on

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00:38:26

100. How to Use Credit Card Bonuses For Major Expenses

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/10/05

Join me in my 100th episode (YAY!!) as I share how I strategically leveraged two business credit cards to take advantage of their bonus intro offers. Learn how I funded an $8,000 coaching investment and covered $1,600 in expenses at FinCon—all while maximizing cash back rewards and 0% APR. I share the importance of separating your personal from business finances as well as how to make more money back from these credit card companies no matter what major expense you have coming up, be it a wedding,

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00:08:28

99. Review the podcast & win a coaching session!

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/09/05

Happy Virgo season! To celebrate my b-day month, I'm giving away a free money coaching call! How to enter: 1. Review this podcast on Spotify or Apple podcasts (bonus points if you leave a written review, it can be as short as "great podcast"!) 2. Dm me a screenshot of your review by Sunday, 9/8 to @travelercharly on instagram (or reply to my mailing list email blasts if you're already on it). Thank you for supporting my podcast and listening along. ⁠To learn about 1:1 coaching

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01:20:00

98. How I’m Healing Chronic Health Issues w/ my...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/08/22

Listen to this episode to learn all about the misconceptions of Ayurveda and how my health coach helped me start healing from the worst health crises of my life from the inside out. Vern, an Ayurvedic health and digest life coach, shared her journey from dealing with severe eczema and health crises. I share how I recently have been navigating my eczema, hypothyroidism and pre-diabetes and started to embrace a holistic approach to health. We discussed the importance of Ayurvedic principles,

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00:45:41

97. The Top 4 Investing Accounts To Retire Early,...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/08/12

One of the biggest mistakes I see new investors make is that they don't maximize investment account types. One sign I look for is that they have a lot of money in their taxable brokerage accounts (or worse, crypto), but they aren't maxing out their IRAs or their 401(k)s. They think they're doing enough by investing it somewhere, but in reality, they're delaying their retirement date by YEARS by not prioritizing retirement accounts that can save hundreds of thousands in the long

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00:55:21

96. The difference between being rich and acting rich...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/08/06

Listen to this episode to learn how to stay on track with financial health as a key aspect of overall health. Ken retired from corporate at age 56 and shares lessons he learned about what it took to get here. We talk about being intentional with investing, the difference between healthy habits and just spending to show off your wealth, and living your truth as queer people. This life is finite, and when we work hard to set ourselves up for retirement, it's important to cultivate your passions so

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00:27:14

95. How HSAs can help you retire early

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/07/30

Listen to this episode to get the scoop on Health Savings Accounts (HSAs) and how they can help you retire early!Health Savings Accounts (HSAs) are tax-advantaged savings accounts specifically designed for medical expenses. They’re for folks with high-deductible health plans (HDHPs). An HSA lets you save money on a pre-tax basis to pay for qualified medical expenses. You can have the money in cash and/or Invest it! When I got a blood clot in 2020, I sold off of all my investments in my employer

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00:35:31

94. How to take advantage of capitalism as a WOC w/...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/07/22

"Economics impacts everything. Politics impacts everything." These are the powerful words of Linda Garcia, today's guest. I'm so excited for you to listen to an update on Linda's life since she last came on the podcast to record episode 43, "Money Chisme with the witch of wall street" (listen if you haven't yet!). Republicans focus on making money, while Democrats focus on social issues. At the core of every social issue, is an economic issue, and we talk about

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00:01:31

NEW Unicorn Millionaire Podcast Trailer!

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/07/22

I'm so excited to share the New Unicorn Millionaire Podcast trailer with you that I will be using from now on! I can't wait to grace your eardrums with more personal finance, wellness, and travel content. ⁠To learn more about 1:1 coaching with Charly and to join their newsletter, click here.⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/unicornmillionaire/support

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00:37:24

93. Chase Sapphire Preferred vs. Sapphire Reserve...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/07/03

Debating going with the Chase Sapphire Preferred or Sapphire Reserve credit card? Listen to this episode to learn the difference between the two cards, their perks, and how using them the right way will boost your credit score so you can lock in better interest rates on a mortage. I've used both cards and I break down how both compare and how to make the best decision for yourself. ⁠To join my newsletter and learn about private coaching with me, click here. ⁠ ⁠IG: @travelercharly⁠ ---

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00:11:23

92. How to handle large cash influxes

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/06/24

Whether they're a surprise or planned, large cash influxes can be overwhelming. They can come in the form of an inheritance, settlement, or a surprise gift. Listen to this episode to learn all about how to manage your mind and emotions when it comes to surprise cash influxes, so that you can better invest the money to retire early. To learn more about private money coaching with Charly, click here. --- Support this podcast:

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00:29:09

91. How to prep for home buying

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/06/14

Listen to this episode to learn about how to get your finances in order so you can get that great interest rate and prepare for your first home. I share why your debt to income ratio matters if you have debt, how to boost your credit score, and where to store your cash to make this process as streamlined as possible. Want help making money moves? Book a call here to get started with private coaching. 🤑 --- Support this podcast:

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00:44:38

90. The Grief of Rehoming a Pet

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/06/03

Listen to this episode to learn how I navigated the grief of rehoming my cat, Luna. I share why I decided to do this, which was one of the toughest decisions of my life. Rehoming pets is a topic not discussed often because of the stigma associated with it. I would know, since I used to do the stigmatizing (in my head, at least!). Sometimes, admitting we were wrong can be one of the hardest things for us to do, but it can liberate us at the same time. To learn about 1:1 money coaching with Charly,

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00:37:39

89. Your Health is Your #1 Investment: Navigating...

Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial... ·

2024/05/15

Your health is your #1 investment. Listen to this update to get updates on my health issues as I close this chapter in Puerto Vallarta, and how I'm focusing on my healing as someone with eczema. I share how my chronic illness has flared up, reflections on how it's shaped my life, and what I'm doing about it by focusing on my gut health and hormone health. I also share reflections on rehoming my cat and how I'm navigating the emotions behind this difficult decision before I head to

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129 results

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