What if I told you that you could travel the world without maxing out your credit cards?

In this episode, I'm sitting down with Jess from The Sugar Daddy Podcast to talk about something that's been a game changer for me: travel hacking. And no, this isn't some shady scheme. This is about using credit card rewards strategically so you can live your best life without the financial hangover. Jess and her husband run a financial literacy podcast that's all about normalizing money conversations in Black and Brown communities, and she's breaking down exactly how she's been able to travel to places like Aruba without going broke in the process.

WE GET INTO:

• 00:00 Meet Jess from The Sugar Daddy Podcast
• 03:12 Why money is still taboo in Black & Brown communities
• 07:29 The American Dream is dead – now what?
• 15:45 How rich families talk about money differently
• 22:30 Travel hacking 101: The basics
• 28:15 Strategic credit card spending categories
• 35:40 Which credit cards to start with (and avoid)
• 42:20 Credit score mistakes that will tank your strategy
• 49:40 Do you need an emergency fund first?
• 50:32 Getting started: First steps for beginners
• 52:02 Where to find Jess and more travel hacking tips

KEY TAKEAWAYS:

• Money being taboo in our communities is literally keeping us broke – start normalizing financial conversations at home
• Rich families have quarterly money meetings and family investment funds. These tools are accessible to us too
• The old "work 40 years, retire with a pension" model doesn't work anymore – we need new strategies
• Travel hacking works, but ONLY if you can pay off your credit card every month
• You need an emergency fund BEFORE you start travel hacking – life will life
• Start with low annual fee cards like Chase Sapphire or Capital One Venture ($95 or less)
• Close predatory store credit cards immediately if you're not paying them off monthly
• Even small amounts add up – imagine 30 cousins each contributing $150/year to a family investment club
• Use referral links for sign-up bonuses to maximize your points from day one

RESOURCES MENTIONED:

• point.me
• Chase Sapphire Card
• Venture One Card
• American Express Card

CONNECT WITH JESS

• Website
• Instagram ​

TAKE THE NEXT STEP:

• Yo Quiero Dinero Private Membership
• Read my book: Financially Lit
• Leave me a voicemail

This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.

Hosted on Acast. See acast.com/privacy for more information.

At the time of recording this episode, Bad Bunny has just made history—TWICE. First Spanish-language artist to win Album of the Year at the Grammys. Then he delivered the most-watched Super Bowl halftime show of ALL TIME. But this episode isn't just about celebrating Benito's wins (though we're absolutely doing that too). It's about what this moment means for ALL of us—especially right now, when being Latino has been demonized and criminalized in this country.

Just a heads up that this episode is a replay of a recent Instagram live I did post-superbowl and the audio reflects that in some parts.

WE GET INTO:

0:00 - Intro: Happy Puerto Rican Month!

2:42 - The Best Halftime Show Ever

4:47 - Why Unity Over Division Matters Right Now

7:12 - Bad Bunny's Cultural Impact & Timing

9:38 - The American Dream Story We Can All Relate To

15:30 - Breaking Down THAT Grammy Win

22:15 - Benito's Activism: From Day One

28:45 - The Super Bowl Performance Analysis

35:20 - Ricky Martin's Powerful Appearance

40:10 - Understanding "El Apagón" & Puerto Rico's Reality

45:02 - Hurricane Maria's Lasting Impact

47:06 - How Non-Puerto Ricans Can Actually Help

48:30 - The Flag Parade & Unity Message

50:48 - Community Growth & Connection

52:50 - Closing: Rock Your Flags & Stay Poderosa

KEY TAKEAWAYS:

• Bad Bunny became the first Spanish-language artist to win Album of the Year at the Grammys
• His Super Bowl halftime show was the most-watched of all time
• This moment represents Latino power, visibility, and refusal to stay small
• Benito's activism isn't performative—he's been consistent since day one
• The halftime show featured powerful moments like the kid sleeping in the chair, the flag parade, and Ricky Martin's appearance
• Puerto Rico cannot vote for president and has no voting representation in Congress
• We can support Puerto Rico by staying at locally-owned businesses, eating at local restaurants, and voting for representatives who support pro-Puerto Rico policies
• Reading Puerto Rico's history reveals shocking treatment by the U.S. including birth control testing, military testing, and bombing
• Unity over division is the path forward—they want us divided to maintain control
• We are taking over the world on our own terms, in our own language, for our own people
• This is a reminder to rock our flags, tell our stories, and stay loud

TAKE THE NEXT STEP:

• Yo Quiero Dinero Private Membership
• Read my book: Financially Lit
• Leave me a voicemail

This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.

Hosted on Acast. See acast.com/privacy for more information.

This episode is going to shift how you think about success, abundance, and where you belong. I'm sitting down with my vecina, Rebecca Gitana Torres, a spiritual guide who rematriated to Puerto Rico after realizing the American Dream was never meant for people like us. We're talking about what holistic abundance actually means—and spoiler alert, it has nothing to do with your bank account or where you live.

Rebecca shares her journey from working a city job in the Bronx to creating “transformation cocoons” in Puerto Rico, and why so many of us have been taught the colonial lie that we need to leave our homelands to find abundance. We talk about the generational programming that keeps us chasing external validation, why you need to stop clinging to old identities and relationships, and how to tap into your magnetic energy no matter where you are. If you've been feeling stuck, unfulfilled, or like you're chasing someone else's version of success, this episode is going to give you permission to redefine everything.

WE GET INTO:

• 00:00 - Intro: Meeting My Vecina from Puerto Rico
• 02:03 - Rematriation vs. Economic Refugees: Reclaiming Our Roots
• 06:09 - How Rebecca Left Her City Job 20 Years Ago
• 08:27 - Why External Validation Will Always Leave You Empty
• 13:45 - Discovering Your Value in "Regular" Jobs
• 22:30 - The Mothership: Creating Matriarchal Safe Spaces
• 28:40 - Stop Clinging to Old Identities & Relationships
• 35:09 - What Happens in a Transformation Cocoon
• 39:17 - Start Here: Clear the Clutter First

KEY TAKEAWAYS:

• The colonial lie that you must leave your homeland to find abundance
• How to disconnect from external validation and find your internal power
• Why clinging to old identities keeps you stuck
• The importance of clearing clutter before anything else
• How to recognize and develop your spiritual gifts in any job

CONNECT WITH REBECCA:

• Website
• Instagram
• YouTube

TAKE THE NEXT STEP:

• Yo Quiero Dinero Private Membership
• Read my book: Financially Lit
• Leave me a voicemail

This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.

Hosted on Acast. See acast.com/privacy for more information.

Welcome To Perreo x Power, a new series brought to you by Yo Quiero Dinero. In this series, we're analyzing the origins of some of the biggest stars in the Latin Urban/Reggaeton genres and pulling out all the gems that you can apply to your money, business and life! In this debut episode, I'm breaking down a 2020 interview of Rauw Alejandro, Puerto Rican singer, songwriter, and performer known for blending reggaetón with R&B, pop, and electronic sounds. Born Raúl Alejandro Ocasio Ruiz in San Juan, he grew up between Puerto Rico and the mainland U.S., with early exposure to music and a strong foundation in dance, which later became a defining part of his artistry.

He spent years releasing music and refining his craft before breaking through globally, building a reputation for high-level performance, futuristic visuals, and constant reinvention. Rather than chasing trends, Rauw has focused on skill stacking and evolution, allowing him to remain relevant in a fast-moving industry. Find out how a tragic end to his original career goals inspired Rauw to pursue music, and he went from an unknown musician to a Latin Grammy award-winning artist in less than 5 years!

Saturno Playlist: https://youtube.com/playlist?list=OLAK5uy_kIVZbDqHZEqhCdjjEMm-PoYy0l3GpXHto&si=MNm7VFD8ny_DfLn1

Check out the Yo Quiero Dinero Podcast at https://yoquierodineropodcast.com/

Watch the video version of this episode on YouTube.

TAKE THE NEXT STEP:

• Yo Quiero Dinero Private Membership
• Read my book: Financially Lit
• Leave me a voicemail

Hosted on Acast. See acast.com/privacy for more information.

This episode is going to be one of the most honest conversations I’ve ever had on Yo Quiero Dinero. It's a raw, unfiltered conversation about what happens when you mix family and business—and spoiler alert: it gets messy as hell. My sister Lianne is back after a year-long hiatus, and we're spilling ALL the tea. From her rapid social media growth that turned into a nightmare with death threats, to being diagnosed with MS at 37, to almost filing for bankruptcy—this episode holds nothing back.

We talk about what it was really like when she worked for me while I was a brand new mom, how her personal struggles spilled into the business, and why we ultimately had to make the difficult decision to part ways professionally. This isn't some sanitized "family business success story", it is the real shit that nobody talks about.

If you've ever worked with family, hired a family member, or wondered if you should mix business with blood, this episode is required listening.

WE GET INTO:

00:00 - Intro: Family, Business & Messy Dynamics

02:03 - From 0 to 100K Followers to Death Threats

05:03 - MS Diagnosis, Hospitalization & Bankruptcy

07:20 - "I Was a Horrible Employee": Taking Accountability

10:58 - The Performance Improvement Plan & Final Warning

30:38 - The Money Problem: 1099 Tax Chaos

37:26 - Digging Out of the Spiral: The Brutal Reality

41:36 - Landing the New Job & Finding Peace

54:56 - The 2026 Comeback: What's Different This Time

58:29 - Should You Work with Family? The Real Answer

KEY TAKAWAYS:

• ​​The gift and curse of rapid social media growth
• Why follower counts don't equal money
• How to navigate difficult conversations with family in business
• Recognizing when a business relationship has reached its expiration date
• The importance of boundaries in ALL relationships
• How to rebuild after burning everything down

RESOURCES MENTIONED:

• Listen: Episode 179: 2 Sisters, 2 Survivors | Lianne Torres | Watch Us Thrive Podcast
• Erica Kramer

CONNECT WITH LIANNE:

• Website
• Instagram: @watchusthrivepodcast

TAKE THE NEXT STEP:

• Yo Quiero Dinero Private Membership
• Read my book: Financially Lit
• Leave me a voicemail

*Content Warning: This episode contains discussions of mental health struggles, financial hardship, and online harassment.

This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.

Hosted on Acast. See acast.com/privacy for more information.

In this no-fluff, receipts-on-the-table episode, Jannese breaks down exactly how she made over $500K in 2025! While becoming a first-time mom and running multiple businesses.

This is not “get rich quick” talk. This is a real, detailed income report covering 10+ revenue streams, the systems that keep money flowing on autopilot, and the mindset shifts required to scale without burnout. From blog ads and digital products to brand deals, memberships, real estate, and side hustles! Jannese shares what actually works, what’s overrated, and why creators who rely only on social media are setting themselves up to struggle.

If you’re a content creator or entrepreneur this episode is your sign.

WHAT WE GET INTO

0:00 How Jannese made over $500K in 2025 as a new mom

2:30 A decade-long journey in content creation & entrepreneurship

4:45 Top-line revenue vs. taxable income (what creators need to know)

7:30 The 10 income streams behind nearly $500K

10:00 Why digital products & coaching earned the most

12:15 How blog ads generated $147K in passive income

14:40 Brand deals, creator rewards & platform pay myths

17:00 Side hustles: Turo, savings interest & Zumba income

19:30 Airbnb income, real estate & upgrading investments

22:00 Systems, automation & evergreen income strategies

24:30 Membership pricing & avoiding creator burnout

27:00 Mentorship, scaling faster & a real 5x income story

29:15 Declaring 2026 the Rich Bitch Year

31:15 Final takeaways, free resources & next steps

KEY TAKEAWAYS

💡 Diversification is protection — never rely on one platform or paycheck

💡 Long-form content (blogs & podcasts) builds real wealth

💡 Own your offers — products > brand deals

💡 Automation makes money while you sleep

💡 Pricing yourself fairly is an act of self-respect

💡 Mentorship shortcuts years of trial and error

Resources Mentioned

• Free Download: New Year Dinero Reset Guide
• Become a Zumba instructor for 70% off!
• My PR condo: https://www.zillow.com/homedetails/Condo-Sandy-Hls-13-Luquillo-PR-00773/458549227_zpid/
• My private membership: https://courses.yoquierodineropodcast.com/founders
• Have a question? Leave me a voicemail
• Book: Financially Lit by Jannese Torres

This podcast was produced and edited by Idea to Launch Productions

Hosted on Acast. See acast.com/privacy for more information.