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

Hosted by @travelercharly

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155

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Aug 2026

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About the show

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: @Travelercharly Website: www.unicornmillionaire.com

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August 19, 202633 min

152. How to Invest $10K+ Sitting in Savings

Got $10K, $20K, $50K or more sitting in savings and wondering what the h*ll you're supposed to do with it? Once you've built your emergency fund, keeping more and more money in cash isn't necessarily helping you build wealth faster. At some point, you need to decide how much cash is enough, and how to make the rest of your money work harder. In this episode of the Unicorn Millionaire Podcast, I'm breaking down how I think about optimizing extra cash and what I look at before deciding where to invest it. I personally don't like keeping much more than $10K–$20K in cash. When I have an influx of money beyond what I need, I look for ways to put it to work. That mindset has helped me grow my net worth to more than $250K without ever paying myself more than $45K a year. In this episode, you'll learn: How much cash to keep before investing the rest — and why your emergency fund doesn't need to become a giant pile of money you're afraid to touch. Where to invest your extra cash — including how I think about Roth accounts, old 401(k)s, rollovers, fees, and choosing the right accounts for your money. How to make the money you already have work harder, instead of waiting for a bigger salary before you start seriously building wealth. Building wealth is about knowing when you've saved enough and what to do with the rest. 🌈 Ready to figure out exactly where YOUR cash, credit, and investments should go? Join my free webinar, book 1:1 money coaching, subscribe to my Dom Your Dinero emails, and find everything else here: https://linktr.ee/travelercharly

August 17, 20261 hr 6 min

151. How to Break Your Income Ceiling as a First-Gen with Café con Pam

What if the income ceiling you keep hitting isn’t actually about your skills, your work ethic, or how hard you’re trying? In this episode, I’m joined by Pam Covarrubias, host of the Café con Pam Podcast, to talk about how first-gen high achievers can break through the invisible ceilings that keep us from earning, charging, building, and living at our next level. Pam shares how she went from being a corporate executive to quitting her job without savings or a plan , taking a job at a coffee shop to pay her bills while she built her business, and eventually going all-in on coaching. Along the way, she had to work through her own money wounds, recognize her expertise, and learn to charge enough to actually make a living from her work. We talk about: How to recognize when you’ve created an invisible ceiling around how much you can earn Why making more money can feel unfamiliar, even when you consciously KNOW you’re capable of more How Pam quit corporate America and built her own business Why first-gen entrepreneurs may struggle to charge more for their expertise How loyalty to your family and lineage can quietly influence your money decisions Why visibility and success can feel unsafe How to stop waiting for other people’s validation before going after what you want Using somatic work and subconscious reprogramming to change the patterns that strategy alone hasn’t fixed Why investing in coaching and support can help you keep growing instead of trying to figure everything out alone Pam also shares one of my favorite examples from the episode: a client who kept hitting the same money threshold. When they dug deeper, Pam discovered that the women in her family had never earned beyond that level. Breaking the income ceiling meant addressing her loyalty to her lineage , not simply finding another business strategy. You need to figure out what's making your next level feel impossible, unsafe, or like something people like you aren't supposed to have. Pam Covarrubias is a leadership coach, media founder, and somatic practitioner helping first-gen high-achievers break up with performance culture and lead from their Certainty. She is the creator of Calladita Culture® , a framework for women ready to stop silencing themselves, betraying their bodies, and burning out to belong. Through coaching and consulting, she partners with organizations to build leaders rooted in wholeness, not hustle. She is also the host of the globally acclaimed Café con Pam , where she amplifies first-gen voices and challenges the narratives that keep us playing small. Pam's work draws on somatic and trauma-informed practices, including clinical EFT, and her broader body of work focuses on helping first-gen leaders move beyond the ceilings that strategy alone can't necessarily solve. Find Pam at Café con Pam and Pam Covarrubias , or follow @cafeconpampodcast . 🦄 Want to work with Charly? To book 1:1 money coaching, join my free webinar, subscribe to my Dom Your Dinero emails, listen to the podcast, and find everything else I'm up to, head here: https://linktr.ee/travelercharly

August 12, 202659 min

150. How to Build Wealth After Quitting Your Job: My $80K to $250K Net Worth Story

What if quitting your job didn’t mean putting your wealth-building goals on hold? Six years ago, I quit my 9-to-5 as a stockbroker with an $80K net worth, nothing financially lined up, starting grad school, and a salary that had never been higher than $45K. Today, my net worth has grown to $250K—and I still haven’t needed a six-figure salary to build wealth. In this episode, I’m breaking down how I grew my net worth after quitting my job by learning how to optimize the money I already had instead of waiting to earn more. I share how I kept building wealth through grad school, entrepreneurship, $0-income months, travel, and even a major health emergency. We’re talking about how I invested my old 401(k) so it kept growing after I left my employer, why investing my HSA became a financial lifeline when I unexpectedly landed in the hospital, and how I learned to use investments strategically instead of being terrified to touch them. My old 401(k) alone grew from around $30K to more than $50K after I quit. Most importantly, this episode is about becoming work optional . Retirement doesn’t have to mean waiting until you’re 65 to finally enjoy your life. Building wealth gives you choices: quit the job, take the sabbatical, travel, start the business, or simply know you don’t have to keep working somewhere you hate forever. If you’ve been telling yourself you need to make more money, hit a certain net worth, or have everything perfectly figured out before you can quit your job or start building wealth, this episode is for you. Because the amount you have matters a whole lot less when you know how to make the money you already have grow. Whether you're in your 20s building your first investment account or approaching retirement, this episode will help you think more intentionally about growing—and eventually using—your wealth. If you're LGBTQ+, BIPOC, first-generation, immigrant, or neurodivergent and you're ready to stop guessing with your money, I help clients optimize their cash, credit, debt, and investments so they can build wealth with their current income—and eventually feel confident enough to enjoy it. Join my Dom Your Dinero emails, register for my webinar, or book a free clarity call for my 6-month coaching program here: ⁠ https://linktr.ee/travelercharly

August 5, 202656 min

149. How Do I Know When to Take Money Out of My Investments?

When is it actually okay to sell stock? Should you keep investing every extra dollar? How much cash is "too much" to keep on hand? And how do you know when it's time to enjoy your money instead of feeling guilty for spending it? In this episode of the Unicorn Millionaire Podcast, I introduce a concept I use with my money coaching clients that completely changes how they think about wealth: Accumulation vs. Extraction. Most personal finance advice teaches you how to accumulate wealth. Almost nobody teaches you when it's okay to start using it. I share how I think about my own investments, why I've sold stock during slow business seasons without panicking, why I don't touch my retirement accounts, and how I decide when to keep investing versus when to intentionally extract money to support the life I'm building. You'll also hear the visual exercise I shared with a client in their 60s who is transitioning from decades of building wealth into actually enjoying it, and why your "garden" of wealth looks different depending on your stage of life. 🤑 How to know when it's okay to take money out of your investments 🤑 The difference between the accumulation phase and the extraction phase of wealth building 🤑 Why selling stock isn't automatically a bad financial decision 🤑 Which investment accounts I pull money from—and which ones I avoid touching 🤑 How to build wealth while still enjoying your life today 🤑 Why the goal isn't just retiring someday—it's becoming work optional Whether you're in your 20s building your first investment account or approaching retirement, this episode will help you think more intentionally about growing—and eventually using—your wealth. If you're LGBTQ+, BIPOC, first-generation, immigrant, or neurodivergent and you're ready to stop guessing with your money, I help clients optimize their cash, credit, debt, and investments so they can build wealth with their current income—and eventually feel confident enough to enjoy it. Join my Dom Your Dinero emails, register for the webinar, or book a free clarity call for my 6-month coaching program here: https://linktr.ee/travelercharly

July 31, 20266 min

148. Build Your First $250K Without Making More Money: Webinar Preview

You don't need a bigger paycheck to build wealth. You need to optimize what you have. In this episode, I share why I'm teaching my brand-new free webinar, Build Your First $250K Without Making More Money , and walk you through the biggest mindset shifts that keep people stuck waiting to invest. If you've ever wondered: 🤑 Is my money actually in the right place? 🤑 Should I stop investing because everyone's predicting another stock market crash? 🤑 What should I do first with my cash, credit, debt, and investments? 🤑 How do I build wealth without waiting for a raise, paying off all my debt, or timing the market perfectly? ...this episode is for you. I break down why market volatility is completely normal, how wealthy people think differently during market crashes, and why optimizing the money you already have matters far more than waiting to earn more. If you're tired of piecing together conflicting advice from Google, Reddit, TikTok, YouTube, and finance podcasts, I'll show you how to stop guessing and start making intentional decisions with your money. 🤑 Why you don't need a six-figure salary to build a six-figure retirement. 🤑 How rich gay aunties and uncles think about stock market crashes. 🤑 Why waiting for a "better" economy is costing you years of compound growth. 🤑 The roadmap I use with my coaching clients to optimize cash, credit, debt, and investments—in the right order. Build Your First $250K Without Making More Money 📅 Tuesday, August 25 🕐 1 PM PT / 4 PM ET In this free live training, I'll teach you exactly what to do first with your cash, credit, debt, and investments so you can become the rich gay auntie or uncle of your dreams—regardless of your salary or what the economy is doing. ⚠️ This webinar will not be recorded. If you can't attend live, you'll miss it. Everyone who attends live will also unlock my Passive Income Deep Dive , where we'll uncover hidden money in your financial life that you can start putting to work immediately. If you're LGBTQ+, BIPOC, first-gen, immigrant, or neurodivergent and you're ready to stop guessing with your money, I help clients optimize their cash, credit, debt, and investments so they can build wealth with their current income—and become their own sugar daddy now while still retiring early. Register for the webinar, join my Dom Your Dinero emails, or book a free clarity call for my 6-month coaching program here: https://linktr.ee/travelercharly

July 23, 202634 min

147. 3 Mid-Year Money Moves to Build Wealth Without Making More Money | Roth IRA, HYSA & Debt

You don't need to make more money before you can build wealth. In this episode, I'm walking you through the three mid-year money moves I recommend to every coaching client to help them optimize what they already have—because every extra dollar you optimize today has more time to compound tomorrow. We'll cover: 🤑 Where your cash should actually be sitting (and why a high-yield savings account is one of the easiest wealth-building moves you can make) 🤑 How to think strategically about debt instead of paying the minimum forever 🤑 Whether you're on track to max out your Roth IRA before the end of the year—and why waiting could cost you thousands in long-term growth If you've been putting off organizing your money because you think you need a bigger paycheck first, this episode is your reminder that building wealth starts with optimizing what you already have. Whether you're LGBTQ+, BIPOC, first-gen, immigrant, neurodivergent, a W-2 employee, a business owner, or between gigs, these are the same strategies I use personally and teach every client inside my six-month coaching program. Work With Me Want to learn how to optimize your cash, credit, and investments so you can be your own sugar daddy now and still retire early? ✨ Join my free DOM YOUR DINERO emails for practical money strategies delivered straight to your inbox. ✨ Ready for personalized support that goes beyond what you can get from a podcast or Reddit? Book a free Clarity Call to learn more about my private six-month money coaching program. 🔗 Grab both through my Linktree: https://linktr.ee/travelercharly

July 23, 20260 min

NEW TRAILER OUT NOW!

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: @Travelercharly Website: www.unicornmillionaire.com

May 13, 202624 min

146. How Anti-Capitalist Shame Keeps Marginalized Folks Vulnerable

You are NOT greedy for wanting financial security. Marginalized people deserve safety, options, rest, joy, and long-term wealth, too. Unfortunately, we’re taught that talking about money is greedy. That investing makes you a bad anti-capitalist. That wanting financial security somehow makes you selfish. But staying financially stuck does not protect you from capitalism, it usually makes you more vulnerable to it! In this episode, I break down the anti-capitalist shame and survivor’s guilt I see so many LGBTQ+, BIPOC, first-gen, immigrant, and neurodivergent folks carry around money. I share what I learned working as a stockbroker, why so many people delay investing out of fear or guilt, and how that delay quietly costs people decades of financial freedom. Because the people building wealth are not always the people making the most money. They’re the people who understand where their money is, what it’s doing, and how to make it grow intentionally. I also talk about:🤑Why “del dinero no se habla” keeps marginalized communities financially stuck 🤑How big banks and financial shame profit off your avoidance 🤑Why building wealth as a marginalized person is not greedy, it’s protective 🤑How my clients go from scattered and anxious about money to finally feeling calm and intentional This episode is for anyone who: 🤑Feels guilty wanting financial security 🤑Has avoided investing because it feels overwhelming or “too capitalist” 🤑Feels behind with money and doesn’t know where to start 🤑Wants to build wealth without becoming a finance bro stereotype Work With Me If you're LGBTQ+, BIPOC, first-gen, immigrant, or neurodivergent and you’re ready to stop feeling ashamed about money and finally get intentional with your finances, I help you do exactly that inside my six-month one-on-one coaching. Together, we organize your cash, optimize your credit, and build an investment strategy that helps you grow wealth without burnout or shame. And if you want a taste of what coaching is like, I’m teaching a FREE live webinar on May 27th all about where your money should actually be sitting and how to make it grow. There will NOT be a replay, so you have to join live. You can sign up for the webinar, book a sales call for 6 month coaching, or join my “Dom Your Dinero” email list here: https://linktr.ee/travelercharly

April 30, 20261 hr 2 min

145. Cómo Manejar Tu Dinero en Tiempos Caóticos

El mundo se siente caótico. La economía cambia cada semana, hay miedo político, incertidumbre laboral, inflación, y muchas personas sienten que no importa cuánto trabajen… nunca terminan de sentirse seguras con su dinero. Pero vivir con miedo no puede ser tu estrategia financiera. En este episodio, te comparto cómo he manejado mi propio dinero durante meses de ingresos inconstantes, volatilidad en la bolsa, ventas lentas en mi negocio, y noticias mundiales que generan ansiedad. Porque aunque todo afuera se sienta inestable, sí es posible sentirte más en control de tu dinero. Te cuento cómo tomé decisiones intencionales con mis ahorros, mis inversiones, mis acciones, mis impuestos y mis ingresos para no entrar en pánico—y cómo este mismo trabajo es el que hago con mis clientes LGBTQ+, BIPOC, inmigrantes, first-gen y neurodivergentes. No se trata de esperar a que el mundo se calme. Se trata de aprender a manejar el dinero que ya tienes para que te sostenga en tiempos difíciles. En este episodio hablamos de: • cómo tomar decisiones financieras sin apanicarte • por qué tener miedo no puede seguir guiando tu dinero • cómo crear más seguridad financiera aunque tus ingresos suban y bajen Si últimamente sientes ansiedad con el dinero, con el gobierno, con la economía o con el futuro, este episodio te va a aterrizar. Trabaja Conmigo Si quieres ayuda práctica para crecer tu efectivo, mejorar tu aceso al crédito, entender tus inversiones y empezar a construir una jubilación fuerte sin esperar a ganar más dinero, te ayudo dentro de mi coaching privado de 6 meses. Trabajo con personas LGBTQ+, BIPOC, first-gen y neurodivergentes que están listas para dejar de sobrevivir y empezar a sentirse seguras con su dinero. Aprende mas de mi coaching e inscribete a mi newsletter aquí: https://linktr.ee/travelercharly

April 22, 202626 min

144. How to Kick Inflation in the Face Without Waiting for a Raise

You’ve been told to save more money to feel financially secure and to cut back on spending. But with inflation rising, saving and cutting back isn’t cutting it anymore. Your money is sitting in checking or savings accounts earning almost nothing while everything around you is getting more expensive. So even if you’re doing what you’re “supposed” to do, it can still feel like you’re falling behind. In this episode, I break down why saving money isn’t enough in this economy, and what to do instead if you want your money to actually grow. The goal isn’t to wait for a raise. It’s to make the money you already have work harder for you. I walk you through the shift my clients make when they stop avoiding their money and start giving every dollar a job. Instead of wondering where their money is going, they know exactly what it’s doing. Instead of letting their cash lose value to inflation, they move it into accounts that actually grow. Instead of feeling behind, they start seeing their money build momentum—without needing to make more first. And that’s where the real relief comes in. Not from earning more, but from finally feeling in control. In this episode, we cover: • Why saving money alone isn’t keeping up with inflation • Where your money might be losing value without you realizing it • How to start making your money work for you—right now If you’ve been waiting to make more money before getting your finances together, this episode will show you why you don’t have to wait—and what to do instead. Work With Me If you're LGBTQ+, BIPOC, or first-gen and you’re ready to stop avoiding your money and start building a six-figure retirement—even if you don’t make six figures—I help you do exactly that inside my six-month one-on-one money coaching. Together, we organize your accounts, optimize your credit, and teach you how to manage your own investments so every dollar is working toward your future—and you finally stop living paycheck-to-paycheck in your mind. To learn more about coaching and get my crush debt, retire early emails, click here :https://linktr.ee/travelercharly