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

This week in Portland, with ICE protests happening just blocks from where I’m pet sitting, I decided to do something I haven’t done in years: pick up a paint brush and paint the Portland protest frog. In this episode, I share how returning to painting (after years of telling myself creativity was something I’d get to do in retirement), has become a huge part of how I take care of myself now while still building toward early retirement. I talk about growing up creative, how capitalism and survival mode taught me to shut that part of myself down, and why I used to believe art was something reserved for retirement. I share how reading The Artist’s Way, living alone, navigating grief, and moving through this political moment pushed me back into creativity as a form of regulation, healing, and self-trust. Creativity belongs inside a wealth-building plan, not as a reward for fitting into society at the end of your life. I also share how I balance painting, rest, and pleasure with aggressively investing, maxing out my retirement accounts, and building long-term financial safety—so I don’t have to choose between future security and living my life now. If you’ve ever felt like: You’re “too busy” or “too responsible” for creativity Art is something you’ll get to after retirement Wealth-building means delaying joy This episode is for you. Work With MeIf you want hands-on support understanding your investments, opening the right accounts, selling out of overpriced or underperforming funds, boosting your credit score, and building toward early retirement, you can learn more about my six-month one-on-one money coaching here. I help LGBTQ+, BIPOC, and first-gen folks crush confusion around money and start building a six-figure retirement—even without a six-figure salary. Get my crush debt, retire early emails here.

In today’s episode, I break down what to invest in and why, based on how the stock market actually works. I share how I think about investing as a formerly undocumented, trans Latinx money coach and ex–stockbroker who has built a six-figure retirement without ever making six figures. We’re talking easy, repeatable, long-term strategies that let you build wealth without watching the market every day or spiraling every time the news drops. In this episode, we cover: What index funds actually are and why they’re my go-to Index funds vs. individual stocks and when single stocks make sense The truth about ESG and socially conscious investing Why avoiding investing doesn’t make you anti-capitalist Which accounts to prioritize before investing in a taxable brokerage How fees quietly delay your retirement and how to spot them Why consistency matters more than income or picking the “right” stock This episode is especially for you if you’re queer, first-gen, BIPOC, self-employed, or traditionally employed and tired of feeling like investing wasn’t built for you. It is, once you understand how it works! Work With Me If you want hands-on support understanding your investments, opening the right accounts, selling out of overpriced or underperforming funds, boosting your credit score, and building toward early retirement, you can book a call here to start six-month one-on-one money coaching. I help LGBTQ+, BIPOC, and first-gen folks crush confusion around money and start building a six-figure retirement, even without a six-figure salary. Get my crush debt, retire early emails here.

In this episode, Charly breaks down the exact investing habits that have allowed them to build a six-figure net worth without ever making a six-figure salary, and why retirement is less about how much you make and more about what you do with the money you already have. Charly shares what they did at the very start of 2026, including how they maxed out their Roth IRA on January 2nd, how they prioritize retirement accounts, and why most people stay stuck working forever even when they’re saving. This episode is for you if: You want to retire early or at least become work-optional You don’t trust TikTok stock advice You’re tired of “budget harder” being the only financial advice you hear You want to build wealth without selling your soul to capitalism You’ll learn: Why maxing out your Roth IRA matters more than chasing “hot stocks” How compound growth builds wealth faster than raises Which accounts to prioritize first (and why) Why wondering about retirement is not a retirement plan If this episode made you realize you need a clearer plan for your money, I want to invite you to my next investing class: The 2026 Gay Agenda: Retirement Investing Made Simple on January 20th | In person in Portland, OR + Virtual In this class, I’ll walk you through: Exactly where your money needs to go in 2026 How to set up and invest inside your Roth IRA and 401(k) What to prioritize even if you’re paying off debt Which accounts actually grow your money (and which just hold cash) Why your non-retirement investing account is your side hoe You’ll leave knowing exactly what to do with your money instead of just hoping you’re doing it right. RSVP for the class here: https://calendly.com/travelercharly/invest If you’re ready build a six figure retirement without needing a six figure salary, I’m taking new six-month one-on-one money coaching clients. I help LGBTQ+, BIPOC, and first-gen folks: Crush debt Improve their credit Easily understand and manage your own investments Book a call here to start 6 month money coaching: https://calendly.com/travelercharly/clarity

In this episode, Charly interviews Jkiillem, a queer nightlife entertainer, creator, and influencer, for a rare conversation about money, career pivots, and building income outside the 9–5. Jkiillem has built a career in queer nightlife through dance, content creation, brand work, and community-centered events. In this episode, she shares what it actually looks like to earn money as a creator, how she’s diversified her income over time, and why learning to invest mattered once her creative career stabilized. This is one of the first times Jkiillem has spoken publicly about money and investing, making this episode especially valuable for queer creatives, entrepreneurs, and anyone trying to build a financially sustainable life outside traditional career paths. You will learn: How Jkiillem built a career in queer nightlife without a traditional job What diversifying income really looks like as a creator and entertainer The financial realities of being self-employed in creative work When and why she started thinking about investing Why creative people don’t need a single “main thing” to build wealth If you’re queer, creative, allergic to the 9–5, or trying to figure out how to make more money without burning out, this episode will help you think differently about income, career paths, and long-term stability. Jkiillem is a 32-year-old creative and face for the LGBT+ community. Born and raised in South Jersey, she now lives in Los Angeles and travels the world as an entertainer, bringing a unique energy centered on sensuality and performing for queer spaces. You can find her on socials as @Jkiilem. If this conversation got you thinking about your own income, investing, or long-term financial plan, I want to invite you to my next investing class on January 20th: The 2026 Gay Agenda: Retirement Investing Made Simple In this class, you’ll learn exactly which retirement investing moves to make right now: How Roth IRAs and 401(k)s actually work Which accounts grow your nest egg vs. just hold your cash How to set up and invest inside your Roth and 401(k) What to prioritize even if you’re paying off debt Why your non-retirement investing account is your side hoe You’ll walk away knowing where your money needs to go in 2026, with a clear plan instead of vague advice. The class is in person in Portland, Oregon or virtual. Anyone is welcome. 👉 RSVP for the class on 1/20 here If you want hands-on support crushing debt, improving your credit, and starting to build a six-figure retirement—even if you don’t make six figures, book a call to start six-month one-on-one coaching: Book a call here to start 6 month coaching.

I break down 3 easy year-end money moves for your cash, credit, and retirement so you can be work-optional sooner instead of working forever. You don’t need a perfect year or a six-figure salary to make progress with your money. I also share a life update: navigating an ER visit alone and uninsured as a queer, nonbinary, single person estranged from family, and how the wealth I’ve built changed my options, my stress levels, and my ability to advocate for myself. We’ll cover: Why your checking account is the worst place for your savings and how to quickly move your cash into a high-yield savings account How to look at your credit score, APR, and credit cards without shame—and start using credit as a tool for passive income, not a trap The exact retirement questions to ask yourself at the end of every year (401(k), Roth IRA, IRA), even if you’ve never “maxed out” anything before What it actually looks like to make these moves as a low-income, queer, first-gen person I want to invite you to my next investing class on January 20th: ⁠⁠The 2026 Gay Agenda: Retirement Investing Made Simple. ⁠⁠You’re going to learn exactly which retirement investing moves to make right now—Roth IRAs, 401(k)s, and the accounts that actually grow your nest egg, not just hold your cash. You’ll walk away knowing where your money needs to go in 2026, how to set up and invest inside your Roth + 401(k), what to prioritize even if you’re paying off debt, and why your non-retirement investing account is your side hoe. ⁠⁠RSVP for the class here. It is in person in Portland, Oregon, or virtual. Anyone is welcome. ⁠ I help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even if you don’t make six figures. If you’re done trying to DIY this and want a customized plan for your savings, credit, and investments, I am taking clients. ⁠Book a call here to start six-month one-on-one coaching. ⁠Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100. ⁠Sign up for my Crush Debt, Retire Early emails here.⁠ About your host:Charly Stoever (they/he/papi) is a nonbinary Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt, boost their credit scores, and start building a six-figure retirement—even without a six-figure salary. They’re a formerly undocumented Mexican American and ex-stockbroker who has traveled solo to 39 countries and is a full-time international pet sitter.

Viridiana Ponce, a Latina business consultant who turns cooks into CEOs and teaches entrepreneurs to build profitable, financially confident businesses, joins me. We talk about the money stories we inherited, why financial education is liberation for our communities, and how Latina business owners can stop hustling in survival mode and start building real wealth. Viridiana has spent over a decade guiding women through the realities of brick-and-mortar life: startup costs, funding, pricing, cash flow, debt, and what it actually takes to scale without burning out. Her perspective is powerful not just for food entrepreneurs but for anyone who wants to build a sustainable business without sacrificing their joy, health, or family. We talk about growing up in immigrant households where money wasn’t discussed, why so many women undercharge, the fear of looking at your numbers, the shame around debt, and how to build the financial confidence to make bigger moves. We also talk about how she helps clients secure funding, raise their profit margins, and transition from cooks to CEOs with strategy and clarity. If you're a first-gen entrepreneur, a creative, or a business owner who’s tired of working hard without seeing the financial results you want, this episode will help you see what’s actually possible when you get support instead of trying to figure it all out alone. About today's guest: Viridiana Ponce is a Latina Business Consultant and Food Expert on a mission to help Latinas stop playing small, make that money, and go from cook to CEO. As founder of VP Consulting, she has spent more than a decade guiding entrepreneurs with strategy, financial clarity, and the confidence to scale. She has helped secure millions in funding and turned hundreds of food dreams into profitable, sustainable businesses. For Viridiana, financial education is how we claim freedom, build legacy, and rewrite the narrative of what Latina entrepreneurs can do. Find Viridiana here: Instagram: https://www.instagram.com/vpconsultingsf/ Website: https://vpconsultingsf.com Work with Charly: I want to invite you to my next investing class on January 20th: ⁠The 2026 Gay Agenda: Retirement Investing Made Simple. ⁠You’re going to learn exactly which retirement investing moves to make right now—Roth IRAs, 401(k)s, and the accounts that actually grow your nest egg, not just hold your cash. You’ll walk away knowing where your money needs to go in 2026, how to set up and invest inside your Roth + 401(k), what to prioritize even if you’re paying off debt, and why your non-retirement investing account is your side hoe. ⁠RSVP for the class here. It is in person in Portland, Oregon, or virtual. Anyone is welcome. ⁠ If you want help getting control of your finances, rewriting your money story, and building toward a six-figure retirement without needing a six-figure salary, ⁠book a call here to start six-month private coaching.⁠

This episode shows how my 6 month money coaching client, Nora, went from impulse shopping and feeling scattered with money, to first-time homebuyer at 28 in one of the most expensive housing markets in the country. Nora is a first-gen Latina, eldest daughter, and spiritual alchemist who used coaching, discipline, intuition, and astrology to transform her finances. She boosted her credit, helped her siblings and best friend improve theirs, and used money as a tool to create stability, safety, and long-term wealth for her family and community. In this episode, Nora shares: – How she shifted from impulse buying on Amazon Prime to long-term financial clarity – How she healed first-gen money trauma and learned to trust her intuition – How she boosted her credit score and helped loved ones raise theirs – How to advocate for yourself as a woman of color in the workplace – How she navigated the first-time homebuyer process and secured down-payment assistance – How she thinks about renting, house hacking, and long-term wealth as a first-gen Latina If you’re a first-gen listener trying to build wealth, improve your credit, or prepare for buying a home, this conversation will help you feel less behind and more empowered. Join me December 3rd at 5:30pm PT / 8:30pm ET to use credit card rewards to make passive income. Learn how to turn your holiday spending into ore cash back, learn which cards actually pay you, and boost your credit score. RSVP here for my free class on 12/3: Credit Card Rewards: Holiday Spending to Passive Income BONUS: The first five in-person attendees to the class will get a free 30-minute coaching call. Virtual attendees also get a surprise bonus. Work with Charly If Nora’s transformation resonates and you want support crushing debt, improving your credit, and building a six-figure retirement without a six-figure salary, book a call here to start six-month one-on-one coaching. About NoraNora Lozano is a first-gen Latina, eldest daughter, and spiritual creative who blends astrology, intuition, and financial empowerment. She became a first-time homebuyer at 28 and now inspires her community to pursue aligned, intentional wealth-building. Find Nora on Instagram at @noracane_ and @carnelian_cosmos.

What if being transparent about money could make you a millionaire? In this episode of the Unicorn Millionaire Podcast, I’m joined by Hannah Williams, founder of Salary Transparent Street, who went from being underpaid to becoming a million-dollar creator and global advocate for pay transparency. After realizing she was being underpaid as a data analyst, Hannah and her husband, James, created Salary Transparent Street, a viral video series where they ask strangers how much they make to normalize pay transparency and expose real wages. Their movement has sparked international conversations, inspired corporate shifts, and even influenced legislation. Hannah has testified in support of pay transparency bills in Virginia, Maryland, and D.C.—with the latter two now passed into law. In 2024, she made the Forbes 30 Under 30 list, and in 2025, she was named one of TIME100’s Most Influential Creators. We get into how she turned activism into a seven-figure creator business, how she monetizes ethically, and what it means to build wealth publicly while staying true to your values. You’ll learn: 🦄 How Salary Transparent Street became a million-dollar creator brand 🦄 The business model behind their viral content and partnerships 🦄 The mindset shift from underpaid employee to CEO creator 🦄 How pay transparency can close wealth gaps and empower workers 🦄 Why sharing your salary can be a revolutionary act If you’ve ever wondered whether being transparent about money can actually build wealth—this episode proves that it can. Follow Hannah: Instagram: @thatmoneystreetgirl Salary Transparent Street: @salarytransparentstreet ⁠Book a call here to start six-month one-on-one money coaching with Charly.⁠ Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100. Get Charly's "Crush Debt, Retire Early" emails here.⁠ Charly Stoever (they/he/papi) is a trans Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt, boost their credit scores, and start building a six-figure retirement—even without a six-figure salary. They’re a formerly undocumented Mexican American and ex-stockbroker who has traveled solo to 39 countries and is a full-time international pet sitter.

You don’t have to sacrifice your joy, or miss out on your next vacation, to afford 6 month money coaching. In this episode of the Unicorn Millionaire Podcast, I break down exactly how my clients make back their coaching investment (and then some). You’ll learn how to use 0% APR credit cards, credit card points, and smarter cash flow to fund coaching without touching your retirement or giving up the things you love. Whether you’re earning $50K or $200K, I’ll show you how to pivot from thinking like a consumer to an investor, so the money you spend on coaching pays you back for the rest of your life while you crush debt, boost your credit score, and save for a 6 figure retirement without needing to make 6 figures. You’ll learn: How my clients make back their $6K money coaching investment Why 0% APR cards and credit points are your secret weapon How to calculate your personal ROI from coaching The mindset shift that turns “I can’t afford it” into “I’m getting paid 10x for it” Why investing in coaching is different from “spending” on it If you’re serious about building wealth and want your investments—emotional and financial—to actually pay you back while still living your life, this episode will help you feel excited to invest in yourself! Book a call here to start six-month one-on-one coaching. Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100. Sign up for my Crush Debt, Retire Early emails here. About your host: Charly Stoever (they/he/papi) is a nonbinary Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt, boost their credit scores, and start building a six-figure retirement—even without a six-figure salary. They’re a formerly undocumented Mexican American and ex-stockbroker who has traveled solo to 39 countries and is a full-time international pet sitter.

In this episode, I’m joined by Sarah Wolfer (she/they) — a queer, nonbinary therapist and founder of Courageous You Therapy — to explore relationship anarchy and how it parallels investing in the way you love. We talk about what it means to build relationships rooted in choice, communication, and abundance instead of fear, obligation, or scarcity. Sarah shares how their work with LGBTQIA+, non-monogamous, kinky, and neurodivergent clients challenges traditional systems and helps people create emotional wealth that mirrors financial freedom. If you’ve ever wondered how to invest in relationships with the same intentionality you bring to your money — or how your love life and financial life reflect the same patterns of liberation — this episode is for you. About Sarah: Sarah Wolfer (she/they) is a Licensed Independent Clinical Social Worker (LICSW) with her own private practice, Courageous You, that is based out of Seattle WA, and serving clients in Washington, Idaho, and Florida via telehealth. Graduating with a Master of Social Work (MSW) in 2012, they have spent the first half of their career in social services and community mental health settings as a mental health professional, clinical supervisor, and program manager, and the latter half thriving in private practice. Sarah specializes in working with LGBTQIA+, non-monogamous, kinky, and neurodivergent individuals and relationships, and she identifies with these communities herself. They embrace the identities of kitchen-table polyamorist, relationship anarchist, and non-binary queer person. Their practice incorporates a variety of therapeutic modalities; initially focused on cognitive approaches like cognitive-behavioral therapy (CBT) and trauma-focused CBT in the first half of her career, and since starting her own private practice in 2020, Sarah has embraced more somatic work and psychedelic-assisted therapy. They currently offer psychotherapy, relationship therapy, Somatic EMDR therapy, and ketamine-assisted therapy tailored specifically for queer and non-monogamous clients. You can find out more about Sarah at CourageousYouTherapy.com. To work with Charly: ⁠⁠⁠Book a call here to start six-month one-on-one coaching.⁠ 6 month money coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100. ⁠⁠⁠⁠Sign up for Charly's Crush Debt, Retire Early Emails here.

If you’ve been curious about what my 6-month money coaching program includes, this episode breaks it all down for you. I answer your most common questions about how coaching works, who it’s for, and the real transformations my clients experience. You’ll learn: What’s included in 6-month coaching (bi-weekly calls, daily WhatsApp support, and my full money curriculum) Why coaching works for both high earners and folks starting at $50K salaries How I help clients crush debt, raise credit scores, and build six figure retirements without needing six figure salaries The ripple effect of money coaching—how changing your finances impacts your relationships, business, and future This episode is for you if you’re ready to stop stressing about money and start building wealth with clarity, confidence, and community. ⁠⁠⁠Book a call here to start six-month one-on-one coaching. Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100. ⁠⁠⁠Sign up for my Crush Debt, Retire Early Emails here. About your host: Charly Stoever, or @travelercharly (they/he/papi), is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even without a six-figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is a full-time international pet sitter.

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 accounts The DREAM framework for better money convos in relationships How to stop the “checking account rodeo” and simplify your money flow Even if you don’t think you have “enough” to open a high-yield savings account, you’ll learn how small amounts add up, why buckets and automations matter, and how to move from chaos to clarity with your cash. Work with me 1:1: Book a call to start six-month private coaching ($6,000 or 2 payments of $3,100): 👉 https://calendly.com/travelercharly/clarity Join my Crush Debt, Retire Early email list: 👉 https://www.subscribepage.com/rothfreak About My Guests: Jessica and Brandon Norwood are the duo behind The Sugar Daddy Podcast, a financial literacy show helping millennials build wealth and have better money conversations. Brandon is an award-winning licensed financial planner with over a decade of experience managing millions in assets. Jessica, a tech consultant and the “Sugar Daddy” in their relationship, brings a fresh perspective to their financial journey. They’ve been featured in Investopedia, The Knot, Huff Post, CNN Underscored, Fortune, MarketWatch, Real Simple, Better Homes & Gardens, and US News. Their personal mission? Become “work-optional” so they can travel the world with their two children while helping others achieve financial freedom.

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 own terms. If you’ve ever wondered how to quit corporate America, make yourself visible as a first-gen entrepreneur, and actually build wealth without burning out, this episode is for you. You’ll also hear: Why visibility is the biggest act of audacity for first-gen Latinas How Gina transitioned from her six-figure tech job into full-time entrepreneurship The mindset shifts first-gen entrepreneurs need to get paid without guilt Why telling your story is the most powerful tool for building a business How to charge for your gifts instead of working for free Gina Moreno is a coach, speaker, and content creator dedicated to holding space for first-generation Latine individuals navigating personal growth, healing, and success. With a background in engineering and six years in Big Tech, Gina broke generational cycles by rising from a low-income upbringing to becoming the first in her family to achieve social mobility. Her journey of overcoming barriers and reclaiming her voice now fuels her mission: helping others break through self-doubt, advocate for themselves, and lead lives rooted in purpose. As the founder of Empowermente Collective and creator of the Next Level Latina Empowerment Circle, Gina supports ambitious first-generation Latinas who are ready to turn their ideas, stories, and unique gifts into impact-driven brands and income streams. Through her group coaching, transformative retreats, and digital content, she helps women move past self-doubt, embrace their visibility, and take bold action to align with a life—and business—that reflects who they truly are. Gina’s work has been featured on TEDx, Business Insider, NBC, and Univision, and she’s collaborated with organizations like MTV and spoken at Harvard University. With a growing audience of over 95,000 followers, she is passionate about helping others alchemize their lived experiences into power, resilience, and lasting impact. 🔗 Website: soygina.com 🎙️ Podcast: Empowermente Podcast 📲 Instagram: @soyginamoreno 📲 TikTok: @soyginamoreno Charly Stoever (@travelercharly, they/he/papi) is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even without a six-figure salary. They’re a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is a full-time international pet sitter. Book a call here to start six-month one-on-one money coaching with Charly.⁠ Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100. Sign up for Charly’s Crush Debt, Retire Early Emails here.

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 help you see what’s truly possible. You’ll also hear: How I used a 0% APR card to invest in my business and scale to $260K in sales The mindset shifts that helped me release shame around debt Why debt payoff is part of your retirement plan How credit cards can actually support wealth-building when used intentionally ⁠⁠Book a call here to start six-month one-on-one coaching. Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100. ⁠⁠Sign up for my Crush Debt, Retire Early Emails here. Charly Stoever, or @travelercharly (they/he/papi), is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even without a six-figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is a full-time international pet sitter.

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 debt?”—this episode is for you. I share how I used a business credit card to hire my first coach, sold stock to fund my business and early retirement plan, and helped clients pay off 5-figure debt without derailing their long-term goals. You’ll also hear: What to do instead of cashing out your retirement How to sell stock without guilt or scarcity Why your credit score doesn’t have to be perfect to build wealth How my clients—from $50K to $300K incomes—are crushing debt and building six-figure retirement plans ⁠Book a call here to start six-month one-on-one coaching. Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 or two payments of $3,100. ⁠Sign up for my Crush Debt, Retire Early Emails here. Charly Stoever, or @travelercharly (they/he/papi), is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement—even without a six-figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is a full-time international pet sitter.

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 401(k), and still pay myself while traveling the world and planning for early retirement. I also answer live audience questions and share how my clients of all income levels—from $50K to $300K—are crushing debt, healing money wounds, and building six-figure retirement plans. If you’ve ever wondered: Should I open a travel card if I still have debt? When is it actually worth it to go into credit card debt? Is it better to use savings or sell stock to pay off coaching or business expenses? How do I invest while I still owe money? This episode is for you. Listen now and learn how to crush debt while building wealth. Book a call here to start six-month one-on-one coaching. Coaching Includes bi-weekly coaching calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset. Investment: $6,000 paid in full or two payments of $3,100. Sign up for my Crush Debt, Retire Early Emails here. Charly Stoever (they/he/papi) is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement, without needing a six figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is full time international pet sitter.

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 retirement timeline—all while living with chronic illness and reclaiming joy. She now knows exactly how to grow her money and enjoy it—like treating her sisters to drinks on the beach in Italy, knowing her investments are compounding while she sips. If you want support getting on track to making $30K+ a year in passive income through savings and investing, book a call here to start six-month one-on-one coaching. At the time of this episode, coaching is $6,000 for six months and includes:— Bi-weekly coaching calls— Daily messaging support— Access to my full curriculum with lessons on savings, investing, credit cards, mindset, and diversifying income streams 📩 Click here to join Charly's Roth Freak Fridays email list 🦄 Read Charly’s blog 📸 Connect with Charly on Instagram: @travelercharly Michelle Sanchez is a first-gen eldest daughter, sharing Health and Wealth Tips while working towards financial freedom and healing and living with a chronic Illness. IG: @healthtowealthconmichelle

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 wealth-building process. LAST CALL for 60 minute, 401(k) dom sessions. Doors close 5/3.1. Book yours here or jump into 1:1 private coaching here. Click here to get my Roth Freak Fridays Emails.

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 broke If you have old 401(k)s you haven’t touched—or you don’t actually know what your money’s invested in—you’re leaking thousands of dollars every single year. Right now is the best time to recession-proof your money and and grow $100K-$500K more in retirement savings over the next 5-10 years. Book your limited time only, 60 minute 401(k) Dom Session here — spots are limited and doors close May 31, 2025 (or sooner if they sell out). Actually know how to retire rich without stressing about the stock market every week. If you book your dom session and meet with me in April or May, your session investment can be applied toward my six-month private coaching program—where I help you get on track to making $30K+ a year in passive income through savings and investing. Click here to book a sales call with me to start 6 month private coaching. To get my juicy Roth Freak Fridays emails, click here.

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 investing in stocks and opening high-yield savings accounts and being confident she has a financial plan. This episode is a must for anyone who needs to hear about how to have more proactive money converstations within your immigrant family so you're not worried about your parents' and loved ones' financial futures. Telesh Pascual López is Maya, Kanjobal from Guatemala and migrated to Los Angeles where she grew up. She is a Spanish-English interpreter, facilitator for language justice trainings and consultant. Telesh has over 15 years of experience as a community interpreter in grassroots settings. She was one of the co-founders and worker-owner of Caracol Language Cooperative, a small business that provided language services to New York City for almost 10yrs. Her dedication to language justice was inspired by her years as a volunteer interpreter with domestic worker organizing in New York City. She is a trained trauma informed interpreter and completed a medical interpreter intensive course at Memorial Sloan Kettering Cancer Center. Follow her on IG: @tplbk To join join Charly's Roth Freak Fridays emails and work with them to get on track to making $30k+ in passive income a year in private, 6 month money coaching, click here.