Episode 43: The First Step to Building Wealth: Know Your Numbers

Episode 43: The First Step to Building Wealth: Know Your Numbers

In this episode of Adriana Talks Dinero, Adriana explains why knowing your numbers is the foundation of building wealth. Many people avoid checking their bank accounts, opening bills, or looking at how much debt they have because it creates stress or anxiety. But avoiding your finances doesn't make the problem disappear—it only makes it harder to reach your financial goals. In this episode, Adriana shares why understanding exactly how much money is coming in, where it's going, and what you owe is the first step toward financial confidence and long-term wealth. In this episode we talk about: • Why knowing your numbers is the first step to building wealth • How to track your income and monthly spending • The difference between assets and liabilities, and why both matter • Why you should regularly review your bank statements and debt balances • How credit cards, interest rates, and payment plans can impact your finances • Why a high-yield savings account can help your money grow • Understanding your credit score and preparing for major financial goals like buying a home or car • Practical tools and habits to help you take control of your money Adriana also explains why financially successful people know exactly where every dollar is going, and how you can build that same habit without fear or shame. If you've been avoiding your finances because they feel overwhelming, this episode will help you take the first step with clarity, confidence, and compassion. Share this episode with someone who's ready to stop avoiding their finances and start building lasting wealth. ___ LINKS: IG: https://www.instagram.com/adrianatalksdinero/?hl=en [https://www.instagram.com/adrianatalksdinero/?hl=en] TikTok: https://www.tiktok.com/@adrianatalksdinero [https://www.tiktok.com/@adrianatalksdinero] LinkedIn: https://www.linkedin.com/company/adrianatalksdinero [https://www.linkedin.com/company/adrianatalksdinero] Website: https://adrianatalksdinero.com/ [https://adrianatalksdinero.com/] - Work with me: https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form [https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form] Free Money Guide: https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy [https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy] Lunch Money App: https://lunchmoney.app/?fp_ref=adriana88 [https://lunchmoney.app/?fp_ref=adriana88] Buy me a coffee: https://buymeacoffee.com/adrianatalksdinero [https://buymeacoffee.com/adrianatalksdinero] Investing with Impacto: https://adriana5.podia.com/investing-with-impacto [https://adriana5.podia.com/investing-with-impacto]  Raices & Riqueza: https://adrianatalksdinero.com/courses/ [https://adrianatalksdinero.com/courses/] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Episodio 42: ¿Qué hacer si te despiden del trabajo?

En este episodio de Adriana Talks Dinero, Adriana comparte la historia personal de cuando fue despedida de su trabajo en 2022 y las lecciones que aprendió al atravesar uno de los momentos más difíciles de su carrera profesional. Desde su experiencia trabajando en Recursos Humanos hasta el reto emocional de comunicar despidos a otros empleados, Adriana ofrece una perspectiva honesta sobre cómo afrontar un despido laboral y qué pasos tomar para proteger tu bienestar financiero y emocional. Este episodio es para cualquier persona que haya perdido un empleo, esté preocupada por la estabilidad laboral o quiera estar preparada para enfrentar tiempos inciertos. En este episodio hablamos sobre: • La historia de Adriana y cómo vivió su propio despido laboral • Por qué perder un trabajo no define tu valor como persona ni como profesional • Cómo procesar las emociones después de recibir una noticia tan difícil • La importancia de buscar apoyo emocional y terapia durante una transición laboral • Qué revisar en un paquete de despido y por qué vale la pena negociar • Cómo manejar tu seguro médico y otros beneficios después de perder tu empleo • La importancia de entender el desempleo y los recursos disponibles en tu estado • Cómo utilizar LinkedIn, ferias de empleo y tu red de contactos para encontrar nuevas oportunidades Adriana también comparte cómo ese momento de incertidumbre terminó convirtiéndose en el comienzo de Adriana Talks Dinero, y por qué algunas de las experiencias más difíciles pueden abrir la puerta a nuevas oportunidades. Si recientemente te despidieron de tu trabajo o conoces a alguien que está pasando por esta situación, este episodio te recordará que no estás sola y que sí existe un camino para salir adelante. Compártelo con alguien que necesite apoyo, orientación o simplemente escuchar que un despido puede ser el final de una etapa, pero no el final de su historia profesional. ____ LINKS: IG: https://www.instagram.com/adrianatalksdinero/?hl=en [https://www.instagram.com/adrianatalksdinero/?hl=en] TikTok: https://www.tiktok.com/@adrianatalksdinero [https://www.tiktok.com/@adrianatalksdinero] LinkedIn: https://www.linkedin.com/company/adrianatalksdinero [https://www.linkedin.com/company/adrianatalksdinero] Website: https://adrianatalksdinero.com/ [https://adrianatalksdinero.com/] - Work with me: https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form [https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form] Free Money Guide: https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy [https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy] Lunch Money App: https://lunchmoney.app/?fp_ref=adriana88 [https://lunchmoney.app/?fp_ref=adriana88] Buy me a coffee: https://buymeacoffee.com/adrianatalksdinero [https://buymeacoffee.com/adrianatalksdinero] Investing with Impacto: https://adriana5.podia.com/investing-with-impacto [https://adriana5.podia.com/investing-with-impacto]  Raices & Riqueza: https://adrianatalksdinero.com/courses/ [https://adrianatalksdinero.com/courses/] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Episode 41: What to do when you get laid off

In this episode of Adriana Talks Dinero, Adriana continues the conversation about layoffs by focusing on what to do after you've been laid off. Drawing from her own experience working in Human Resources and navigating a layoff herself, Adriana shares practical steps to help you protect your finances, understand your rights, and move forward with confidence during a difficult transition. This episode is a reminder that losing a job is not a reflection of your worth, and that with the right preparation and support, you can navigate this chapter successfully. In this episode we talk about: • How to process the emotions that come with losing a job • Why applying for unemployment immediately is so important • What to look for in a severance package and why you should negotiate it • How to handle health insurance and benefits after a layoff • Understanding COBRA, state healthcare options, and available resources • The importance of networking and leveraging LinkedIn during a job search • Why layoffs are often business decisions and not personal failures • How therapy and support systems can help during career transitions Adriana also shares the story of her own layoff experience and the lessons she learned from helping over 100 employees navigate job loss during a company closure. If you've recently been laid off or are worried about the possibility, this episode offers practical guidance, reassurance, and a roadmap for your next steps. Remember: a layoff may change your job, but it does not define your value. This is a bilingual podcast. The Spanish version of this episode will be released next week. ___ LINKS: IG: https://www.instagram.com/adrianatalksdinero/?hl=en [https://www.instagram.com/adrianatalksdinero/?hl=en] TikTok: https://www.tiktok.com/@adrianatalksdinero [https://www.tiktok.com/@adrianatalksdinero] LinkedIn: https://www.linkedin.com/company/adrianatalksdinero [https://www.linkedin.com/company/adrianatalksdinero] Website: https://adrianatalksdinero.com/ [https://adrianatalksdinero.com/] - Work with me: https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form [https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form] Free Money Guide: https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy [https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy] Lunch Money App: https://lunchmoney.app/?fp_ref=adriana88 [https://lunchmoney.app/?fp_ref=adriana88] Buy me a coffee: https://buymeacoffee.com/adrianatalksdinero [https://buymeacoffee.com/adrianatalksdinero] Investing with Impacto: https://adriana5.podia.com/investing-with-impacto [https://adriana5.podia.com/investing-with-impacto]  Raices & Riqueza: https://adrianatalksdinero.com/courses/ [https://adrianatalksdinero.com/courses/] ____ What to do after a layoff: unemployment benefits, severance negotiation, health insurance, and job search strategies. Learn how to recover financially and emotionally after losing your job, with practical advice from an HR professional and money coach. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Episodio 40: Cómo estar preparado ante un despido

En este episodio de Adriana Talks Dinero, Adriana responde una pregunta muy importante y muy real para el momento económico que muchas personas están viviendo actualmente: ¿Cómo prepararse para un despido laboral? Desde su experiencia trabajando en recursos humanos, Adriana comparte consejos prácticos y financieros para ayudarte a prepararte antes de que ocurra una emergencia laboral, especialmente en tiempos de incertidumbre, recortes y cambios en el mercado laboral. Este episodio es una conversación honesta sobre preparación, estabilidad y paz financiera. En este episodio hablamos sobre: • Cómo calcular cuánto ganas y cuánto realmente gastas • La importancia de crear un fondo de emergencia • Cuántos meses de ahorros deberías tener según tu situación familiar • Por qué necesitas tener tu LinkedIn y resume actualizados • Qué documentos debes pedirle a recursos humanos antes de una posible despedida • Cómo entender tus beneficios, vacaciones y posibles paquetes de liquidación • Por qué un despido no define tu valor como persona o profesional • Cómo prepararte emocional y financieramente para tiempos inciertos Adriana también comparte lo que está viendo actualmente en el mundo corporativo y por qué es tan importante empezar a prepararte desde ahora, incluso si todavía tienes trabajo. Si este episodio te ayudó, compártelo con alguien que necesite escuchar esta información y comenzar a proteger su estabilidad financiera. Este es un podcast bilingüe. La versión en inglés de este episodio está disponible en el episodio anterior. LINKS: IG: https://www.instagram.com/adrianatalksdinero/?hl=en [https://www.instagram.com/adrianatalksdinero/?hl=en] TikTok: https://www.tiktok.com/@adrianatalksdinero [https://www.tiktok.com/@adrianatalksdinero] LinkedIn: https://www.linkedin.com/company/adrianatalksdinero [https://www.linkedin.com/company/adrianatalksdinero] Website: https://adrianatalksdinero.com/ [https://adrianatalksdinero.com/] - Work with me: https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form [https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form] Free Money Guide: https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy [https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy] Lunch Money App: https://lunchmoney.app/?fp_ref=adriana88 [https://lunchmoney.app/?fp_ref=adriana88] Buy me a coffee: https://buymeacoffee.com/adrianatalksdinero [https://buymeacoffee.com/adrianatalksdinero] Investing with Impacto: https://adriana5.podia.com/investing-with-impacto [https://adriana5.podia.com/investing-with-impacto]  Raices & Riqueza: https://adrianatalksdinero.com/courses/ [https://adrianatalksdinero.com/courses/] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Episode 39: Preparing for a layoff

IN THIS EPISODE OF ADRIANA TALKS DINERO, ADRIANA ADDRESSES A PRESSING CONCERN FOR MANY IN TODAY’S WORKFORCE: THE REALITY OF WIDESPREAD LAYOFFS Triggered by a listener’s question about feeling "next" on the chopping block, Adriana blends her expertise as an HR professional with her mission as a money coach to help you prepare for the unexpected. Adriana walks through the essential steps to take when your intuition tells you your job might be at risk. From auditing your bank accounts to understanding the fine print in your employer handbook, this episode is about shifting from fear to proactive planning. Beyond the logistics, Adriana opens up about her own traumatic experience navigating a mass layoff, offering a grounded and empathetic perspective on surviving professional upheaval while protecting your financial future. IN THIS EPISODE WE TALK ABOUT: * Auditing your spending: Why you must know exactly what is coming in and going out to identify where you can tighten the belt. * Building a tiered emergency fund: Establishing a savings goal of 3 to 12 months of expenses in a High-Yield Savings Account (HYSA). * Optimizing your digital presence: Keeping your LinkedIn and resume updated so recruiters can find you before a layoff even happens. * Decoding the Employee Handbook: How to find critical details like your insurance end date and 401k vesting period. * The reality of severance: Understanding the typical "one week per year" norm and how to prepare for the transition. Adriana reflects on navigating the corporate space as a bilingual professional and reminds listeners that being prepared is the best way to ensure that a "hit to the gut" doesn't become a total financial collapse. If you are feeling uncertain about your job security or want to bulletproof your finances, this episode provides the roadmap you need to go from surviving to thriving. ___________ LINKS: IG: https://www.instagram.com/adrianatalksdinero/?hl=en [https://www.instagram.com/adrianatalksdinero/?hl=en] TikTok: https://www.tiktok.com/@adrianatalksdinero [https://www.tiktok.com/@adrianatalksdinero] LinkedIn: https://www.linkedin.com/company/adrianatalksdinero [https://www.linkedin.com/company/adrianatalksdinero] Website: https://adrianatalksdinero.com/ [https://adrianatalksdinero.com/] - Work with me: https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form [https://adrianatalksdinerollc.hbportal.co/public/65bdc1c2fa07820019984b2f/1-Inquiry_form] Free Money Guide: https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy [https://adriana5.podia.com/guilt-free-loaded-the-unapologetic-latina-s-guide-to-getting-wealthy] Lunch Money App: https://lunchmoney.app/?fp_ref=adriana88 [https://lunchmoney.app/?fp_ref=adriana88] Buy me a coffee: https://buymeacoffee.com/adrianatalksdinero [https://buymeacoffee.com/adrianatalksdinero] Investing with Impacto: https://adriana5.podia.com/investing-with-impacto [https://adriana5.podia.com/investing-with-impacto]  Raices & Riqueza: https://adrianatalksdinero.com/courses/ [https://adrianatalksdinero.com/courses/] ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.