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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

00:27:37

127. Venmo Is Ghetto: Where to Actually Store Your...

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

2025/09/24

If you’re still leaving money in Venmo, Cash App, or PayPal like it’s a savings account, this episode is for you.I sat down with Jessica and Brandon Norwood of The Sugar Daddy Podcast to talk about why Venmo is ghetto, what FDIC insurance really means, and where your cash should actually live if you want it safe and growing.We cover:Why apps like Venmo and Cash App aren’t banks (and aren’t FDIC insured)The best places to store cash: Ally, CIT, and Wealthfront high-yield savings accountsThe DREAM

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00:50:37

126. How to Quit Your Job and Build Wealth as a...

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

2025/08/29

In this powerful conversation with Gina Moreno, a first-gen Mexican American entrepreneur, content creator, and coach, we talk about what it takes to leave the security of the 9-5 workplace and step into entrepreneurship and visibility and how get paid for your gifts. Gina shares how she walked away from her six figure job in tech, gave a TED Talk, and built a business that empowers first-gen Latinas and women of color to own their worth, share their stories, and create financial freedom on their

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00:30:43

125. From 0% APR to Monthly Payments: How I’m Paying...

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

2025/08/19

In this instagram live episode of the Unicorn Millionaire podcast, I share how I’m intentionally paying off $12,000 in credit card debt—and why I don’t regret it for a second. Taking on this debt helped me grow my business to $260K in revenue, invest for retirement without sacrificing my future, and prove that credit cards can be a tool when used with intention.If you’ve ever wondered whether credit cards are holding you back—or how they might actually help you build wealth—this conversation will

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00:55:13

124. How to Pay Off Debt by Selling Stock Without...

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

2025/08/04

In this live class and episode of the Unicorn Millionaire podcast, I teach you how to pay off debt without shame—and why selling stock from your taxable brokerage account is often a smarter move than touching your 401(k).Even if you're debt free, you should stil listen to learn about what it takes to sell stock in the right accounts and without penalties. If you’re scared to sell stock, think of your investments as “savings,” or you’ve ever asked “should I open a travel card while still in

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00:30:41

123. How to Use Credit Cards and Debt to Retire Early...

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

2025/07/23

In this instagram live Q&A and episode of the Unicorn Millionaire podcast, @travelercharly breaks down how to use credit cards and debt to retire early, without shame and without sabotaging your future. Whether you’re sitting on $30K in credit card debt or just anxious about opening a new card, this episode will help you reframe debt as a strategic tool, not a moral failure.I talk about how I used business credit cards to grow my coaching business, fund investments like my Roth IRA and Solo

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01:01:11

122. How My Client, Michelle Sanchez, Built...

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

2025/06/18

Michelle Sanchez is a first-gen eldest daughter who built six figures in wealth before turning 30—while navigating chronic illness, moving states for her wellbeing, and finally giving herself permission to want more than just survival.In this episode, I walk you through how my coaching helped Michelle shift from uncertainty to clarity, from saving-only to strategic investing. You'll hear how our work together helped her max out her retirement accounts, centralize her money, and collapse her

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00:40:54

121. Why You Feel Sad While Building...

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

2025/05/30

No one tells you that building wealth can feel lonely, confusing, even grief-filled—especially when you're the first in your family to do it. In this episode, I unpack the emotional side of money that rarely gets talked about: the loss, the guilt, and the identity shifts that come with earning more, saving more, and stepping into financial leadership as a first-gen, queer, or BIPOC six-figure earner.You're not broken. You're just the first. And grief is a natural part of the

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00:34:39

120. How to Recession-Proof Your 401(k)

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

2025/04/28

Your 401(k) isn't recession-proof — and that's costing you $10k+ a year.In this episode, I’m breaking down exactly how to recession-proof your 401(k) in 2025 by avoiding the top 3 mistakes I see six-figure earners and $50K+ business owners make every day:→ Leaving piles of cash sitting there, losing value to inflation→ Rolling over your old accounts but never actually investing them→ Trusting overpriced target date funds designed to keep you brokeIf you have old 401(k)s you haven’t

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00:30:21

119. From nervous with money to excited to invest:...

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

2025/04/01

In this episode, I have my money coaching client, Telesh, on to talk about her money coaching wins after 6 months of working with me. As a queer latina, she share her journey of working past feeling nervous to have money conversations, including her initial fear and shame around money, and how working with me helped her kick these feelings to the curb so she could help herself AND her immigrant family members make money moves. She highlights her progress from being a debt-free business owner to

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00:33:02

118. What Six Figure Earners Need to Know About the...

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

2025/03/27

As a six figure earner, you're worried about the stock market right now. You're worried about losing your money and your job, and you're worried about your investments. In this episode, I explain how to think about what's going on in the stock market right now so you go from freaking out to feeling empowered during this and every stock market dip that will happen. I love helping six figure earners twerk their way to early retirement and get on track to making $30k+ in passive income a year through

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00:17:40

117. How I've made $30k in sales so far in 2025

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

2025/03/20

Whether you're a 9-5 er, a full time business owner, or you know you need to diversify income streams in this economy, this episode is for you. So far this year, I've made $30k in sales in my business, and it's barely March. In February alone, I made $15k in sales. Listen to this episode to learn about how I'm navigating my mindset and how I'm maxing out my retirement accounts already to set myself up to retire early. I also share how I've learned from my previous mistakes of

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00:39:14

116. How to be a smart, lazy investor

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

2025/02/25

In this episode, you'll learn how to make more money with less effort. The point of investing is to make your money grow itself passively, and I'm on a mission to get more LGBT/BIPOC six figure earners to help their money work for them so they can retire early. In this episode, I break down the 3 client types I consistently attract: 1. The Cash Hoarder2. The Russian Roulette Investor3. The 85 Year Old Millennial I share what mistakes you're making when you're any of these and how to

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00:35:49

115. How to Get Paid Public Speaking Gigs & Build...

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

2025/02/18

In this episode, I'm interviewing my Canadian-Argentinian emotional support buddy and latina badass, Steph Wharton, to talk about how to land paid speaking gigs and build community. Steph is a leadership and visibility coach, who shares how she created the " Whole Damn Vibe" community, which is a free, BIPOC, Neurospicy, and queer online community for creatives and entrepreneurs. Each week we meet online to chat and cowork, and I LOVE IT because I know I'm not the only queer in the room. Steph

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00:31:32

114. Target Date Funds are Sabotaging Your Retirement

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

2025/02/13

A target date fund (TDF) is an investment portfolio that automatically adjusts to convert more and more to cash the closer it gets to a certain date, like 2040 or 2055.TDFs are designed to help investors meet their retirement goals, but in this episode, I share why I used to invest in target date funds and got rid of ALL of them.I share how my experience as a stock broker informs how I work with my money coaching clients and empower them to manage their own investments so they can become financially

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00:31:57

113. How To use Email to Become Social Media Optional...

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

2025/02/09

When it comes to email, opens and clicks don't matter. Templates don't change industries. Listen to this episode with my coach, Kirsten Roldan (who I lovingly call the Puerto Rican Spice girl we never had),to chat about her program, Million Dollar Email.This program is disrupting the industry as it goes beyond bro and becky marketing to help you become social media optional.Email is timeless; the algorithm isn't.Learn all about how you can reach your first $100k with email marketing and

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00:50:36

112. Why You Should Give a F*ck About Your Hormones...

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

2025/01/30

Naihomy with the good skin is in the house!! Her skin is poppin' because her gut and hormone health are on point and we're sharing how she got there!In this episode of the Unicorn Millionaire podcast, Naihomy Jerez, a Dominican Integrative Nutrition and Hormone Health Coach, talks about why you need to take care of your hormone health, gut health and how to reverse prediabetes. Naihomy shares her personal journey of reversing prediabetes and how she teaches women of color to heal their

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00:23:07

111. Paying Off Student Loans Lowers Your Credit...

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

2025/01/20

When you use your high salary to crush your student loans and pay them off in full, your credit score will actually drop! Listen to this episode to understand why this happens and how to grow your credit score while paying off your student loans so that you're not afraid of your credit score dropping. To work 1:1 with me to on your credit building, savings, and investment strategy, click here. To hire me to speak at your company's next financial empowerment DEI workshop, click here. To

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00:35:14

110. Hire Me For Your Next DEI or LGBT/BIPOC Employee...

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

2025/01/16

I'm not another white guy in a suit giving a boring finance talk – I’m a queer, trans, ex stock broker turned money coach here to empower your team - and, let's be real, keep them productive 😈🏳️‍🌈Listen to this episode to learn about my latest DEI class and how I got the corporate chat to pop off way more than it normally does. Or, if you're a future client, learn for all the ways I can help you retire early in my 1:1 coaching. I’m an ex stock broker who’s here to make money joyful

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00:46:27

109. How Undocumented Immigrants Can Invest With...

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

2025/01/08

In this episode, Maribel Francisco, founder of Our Wealth Matters, shares her expertise in empowering immigrant communities through financial education and coaching. Maribel dives deep into the financial challenges faced by ITIN holders and undocumented individuals, sharing tips on building credit, growing savings, and investing for long-term wealth. She explains the protections of IRS code 6103, which safeguards ITIN holders’ information, and recommends top financial institutions like Fidelity,

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00:45:32

108. From $300k Debt to Millionaire: How Bernadette...

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

2024/12/21

In this episode, we're getting spicy. We're getting political. Listen to how Bernadette Joy Cruz Maulion, a money coach and author, crushed $300k in debt to founding Crush Your Money Goals®.In 2016, she was faced with so much debt that she couldn't feel like she could make an impact in politics. Now, as a multimillionaire, she used her financial freedom to get involved AF in the 2024 election and educate herself and her audience on what was at stake. Hear about her impactful work on the Kamala

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