Episode 39: Preparing for a layoff

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.

Episodio 38: Ahorrado para tu Boda

En este episodio de Adriana Talks Dinero, Adriana comparte su experiencia personal planeando su boda y cómo ella y su pareja han logrado hacerlo de forma intencional, alineada a sus valores y sin endeudarse. Desde la decisión de casarse en Oaxaca hasta la elección de una ceremonia indígena zapoteca, Adriana explica cómo integrar cultura, raíces y finanzas en uno de los momentos más importantes de la vida. Este episodio no es solo sobre bodas. Es una conversación sobre dinero, identidad, límites y decisiones conscientes. En este episodio hablamos sobre: • Cómo planear una boda sin deudas y pagando todo en efectivo • La importancia de empezar a ahorrar desde el inicio del compromiso • Cómo tomar decisiones financieras alineadas a tus valores • Por qué casarse en destino puede ser una opción más accesible • Cómo evitar presión familiar y opiniones externas • La importancia de mantener el control sobre tu boda y tus decisiones • Cómo reducir estrés eliminando tradiciones que no hacen sentido para ti • Por qué invertir en ayuda (como wedding planners locales) puede facilitar todo el proceso • Cómo honrar tus raíces y cultura dentro de tu celebración Adriana también reflexiona sobre lo que significa regresar a sus raíces en Oaxaca y crear una boda que represente quién es hoy, no lo que otros esperan. Si estás planeando una boda o tomando decisiones importantes en tu vida, este episodio te ayudará a hacerlo con más claridad, intención y confianza. Compártelo con alguien que esté en este proceso y necesite escuchar que sí es posible celebrar sin comprometer tu estabilidad financiera ni tu identidad. __________ 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 37: Wedding Spending and Saving

In this episode of Adriana Talks Dinero, Adriana shares a more personal look into her wedding planning journey and how she is approaching it through a financial, cultural, and intentional lens. Adriana walks through how she and her partner have made conscious decisions to celebrate without going into debt, stay aligned with their values, and create a meaningful experience for their community. Beyond weddings, this episode is really about money, boundaries, culture, and making decisions that reflect your priorities. In this episode we talk about: • How to plan a wedding without going into debt • Why starting to save early (using a high-yield savings account) makes a difference • The decision to pay for everything in cash • How to choose what actually matters in your budget • Setting boundaries and not giving in to outside opinions • Incorporating culture, community, and values into financial decisions • Why investing in support (like a wedding planner) can save time, stress, and money • How to create a meaningful experience without social pressure Adriana also reflects on navigating this process as a first-generation Latina woman and why being intentional with money is key in every life milestone. If you are planning a wedding or making big financial decisions, this episode offers a grounded and honest perspective. Share this episode with someone who needs to hear that you can celebrate without compromising your financial future. __________ 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/] ___________ How to plan a wedding without debt: smart budgeting, intentional spending, and stress-free planning tips. Wedding planning tips: budget, savings, destination weddings, and how to avoid financial mistakes. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.