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Yo Quiero Dinero

Yo Quiero Dinero

Written by: Jannese Torres
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"This podcast will leave you feeling inspired to take a more proactive approach to your savings, earnings, & expenses." - BuzzFeed | Yo Quiero Dinero is an award-winning personal finance podcast that empowers listeners on topics like entrepreneurship, investing, financial independence & money mindset. Hosted by Jannese Torres, Latina money expert, award-winning author and serial entrepreneur. Known as “the swaggiest personal finance podcast", each week we drop episodes brimming with POC-friendly personal finance knowledge, served with sazón! Tune in for all the money lessons you never learned. Visit us at YoQuieroDineroPodcast.com.

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

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Episodes
  • Exactly How to Buy Real Estate in Puerto Rico with Krystal Vias of Buy the Block PR

    Exactly How to Buy Real Estate in Puerto Rico with Krystal Vias of Buy the Block PR
    Jul 27 2026
    This week we're picking up where we left off last week after I shared my own journey selling my condo in PR — and this time we're going deep on buying real estate on the island. I sat down with Krystal Vias, a proud Nuyorican and founder of Buy The Block PR, who's on a mission to reconnect la diáspora with Puerto Rico, one block at a time. Krystal didn't step foot on the island until she was 38 and that first trip changed everything. Now she's helping thousands of Boricuas navigate the confusing, often antiquated process of buying property back home, from finding trustworthy realtors to avoiding land scams. We get into the real talk: the identity crisis so many of us in the diaspora carry, conscious investing versus gentrification, and why speaking perfect Spanish is NOT a requirement for belonging. If you've ever thought about buying property on the island, this episode is your permission slip.WE GET INTO:00:00 – Intro: Welcome Krystal Viaz, founder of Buy The Block PR01:26 – Krystal's story: first trip to PR at 38 and falling in love with the island02:26 – Financial education roots + losing her brother-in-law to colon cancer04:49 – Why there's no Cash App or Zelle in PR (and why that's by design)06:44 – What Buy The Block PR actually offers07:40 – Krystal's podcast, By The Blockcast08:14 – Navigating identity: being "from here but also from there"10:34 – Dealing with backlash: "you're not really Puerto Rican"12:37 – Misconceptions about buying property (it's not just hopping on Zillow)13:44 – How to actually find listings on the island16:30 – Vetting real estate agents, lenders, and contractors18:43 – Common scams and red flags to watch for20:17 – The risks of buying land (inheritance issues, unpaved roads, protected land)22:27 – What you need financially before you start looking25:41 – Conscious investing vs. displacement and gentrification30:05 – Airbnb, tax incentives, and long-term rental income34:09 – Building remote income to fund the move37:24 – "Spanish shame" and the myth that fluency is required39:37 – Internal pressure vs. external validation of Latinidad41:25 – The history behind Puerto Rican migration policies43:41 – How to get involved with Buy The Block PR45:19 – Closing thoughts: ownership, privilege, and being about itKEY TAKEAWAYS:Puerto Rico doesn't have one central MLS like the mainland — off-market properties, Facebook groups, and word-of-mouth are huge parts of the processYou'll need a trusted, vetted local team (realtor, lawyer, mortgage broker) — and red flags include people who go dark on communicationLand purchases carry unique risks: unresolved inheritance issues, unpaved roads, no electrical/water access, and protected land you can't build onMainland buyers typically need a second-home loan (20% down) unless they can prove 2 years of remote or island-based incomeLong-term rental income in PR can be tax-free — a lesser-known incentive worth knowing aboutConscious investing means asking "how does this affect my neighbors and community?" — not just "what's my ROI?"Not speaking fluent Spanish does NOT disqualify you from reconnecting — the real barrier is internal permission, not languageCONNECT WITH KRYSTAL:Buy The Block PR Website: https://www.buytheblockpr.comBuy The Block PR Instagram: https://www.instagram.com/BuytheblockPRTAKE THE NEXT STEP WITH YO QUIERO DINERO:Join my free training July 28th Sales Without Social📕 Get the book, Financially Lit!: https://financiallylitbook.com 💸 Download the FREE Dinero Guide: https://courses.yoquierodineropodcast.com/ 💬 Book a free Money Call: https://yoquierodineropodcast.com/links/ FOLLOW JANNESE:Instagram: https://www.instagram.com/yoquierodineropodcastTikTok: https://www.tiktok.com/@yoquierodineropodcastYouTube: https://www.youtube.com/@yoquierodineropodcast Hosted on Acast. See acast.com/privacy for more information.
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    52 mins
  • Yes, I Sold My Puerto Rico Condo — Here's What I'm Doing Next

    Yes, I Sold My Puerto Rico Condo — Here's What I'm Doing Next
    Jul 20 2026

    By now you've probably seen me post on social media that I sold my condo in Puerto Rico, and the reactions have been... a lot. So let's get into it. In this solo episode, I'm taking you behind the scenes of why I bought that condo right after my divorce, what it represented to me, and why — three and a half years later — I decided to let it go. This is not a "never sell real estate" episode. This is a "your life changes and so should your money moves" episode. We're talking numbers, we're talking mindset shifts around debt and leverage, and we're talking about what's next: a fixer-upper flip in Florida with my husband, and a bigger PR condo for our family. Grab a coffee (or a copa), this one's personal.


    WE DIVE INTO:


    02:20 – The origin story: buying the condo after my divorce

    06:59 – What the condo really represented — reclaiming my connection to the island

    09:17 – What changed: becoming a mom, remarrying, outgrowing the space

    11:39 – The HOA drama and why the condo stopped making sense

    13:56 – Let's talk numbers: what I paid vs. what I sold it for

    16:19 – The plan: flipping a fixer-upper in Florida with my husband

    18:45 – Reframing my relationship with debt

    21:04 – Why I'm financing the next PR condo instead of paying cash

    23:19 – The real lesson: alignment over accumulation

    25:42 – The emotional side of letting go

    28:00 – Where to find my PR real estate guide + money tools

    30:25 – Rich Mommy Retreat + how to stay connected


    KEY TAKEAWAYS:

    → Your financial decisions should evolve as your life does — what worked for single you might not work for married-with-a-baby you

    → Selling an asset isn't automatically a bad money move — rich people reposition capital all the time

    → Debt and leverage aren't the enemy. Used strategically, they let you preserve cash and acquire more assets

    → Cash purchases give you flexibility and control (hello, fixer-upper flip); mortgages can be the smarter move when you want to preserve liquidity

    → You don't owe anyone an explanation for your money moves — get around people who understand the vision


    RESOURCES:


    • Jannese’s Instagram: https://www.instagram.com/yoquierodineropodcast/
    • Rich Mami Retreat: https://www.richmami.com/
    • FREE GUIDE: Buying Your First Property in PR: https://courses.yoquierodineropodcast.com/pr-real-estate


    TAKE THE NEXT STEP WITH YO QUIERO DINERO:


    📕 Get the book, Financially Lit!: https://financiallylitbook.com

    💸 Download the FREE Dinero Guide: https://courses.yoquierodineropodcast.com/

    💬 Book a free Money Call: https://yoquierodineropodcast.com/links/

    Hosted on Acast. See acast.com/privacy for more information.
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    34 mins
  • Stuck in Autopilot? How to Build a Career With Intention with Diana Bernal

    Stuck in Autopilot? How to Build a Career With Intention with Diana Bernal
    Jul 13 2026

    This week Jannese sits down with executive coach, speaker, and author Diana Bernal to talk about something a lot of us never learned how to do: build a career on purpose instead of just falling into one.Diana is a first-gen success story who climbed the corporate ladder in nonprofit fundraising, hit "senior vice president" energy, and realized the corner office wasn't actually the goal. Now she coaches ambitious women through the exact roadmap she used to pivot, and she just released her book, Career with Intention. This conversation covers the signs you're autopiloting at work, why "loyalty" doesn't always pay off, how to give yourself permission to walk away from a degree (or a decade) without it being a waste, and how motherhood and marriage can completely reshape what ambition even means.


    WE GET INTO:


    01:32 Diana's first-gen story and career roadmap

    04:19 Redefining success beyond the corner office

    06:53 The false narrative of the corporate ladder

    09:36 Loyalty culture vs. career mobility

    09:45 What it means to build a career "with intention"

    13:15 Signs you're autopiloting at work

    15:12 Overcoming the sunk cost fallacy

    16:26 Key questions to ask before a career pivot

    18:36 Why high-achieving women struggle to own their value

    22:14 Cultural scripts Latinas face at work

    25:00 Testing the waters before quitting your 9-to-5

    26:44 It's never too late to reinvent yourself

    30:22 How motherhood reshaped Diana's ambition

    31:26 A mindset shift that changed her life

    33:15 Breaking the breadwinner stereotype

    36:34 A journaling exercise for career clarity

    37:06 Advice to her younger self

    40:11 Where to find Diana and her book


    KEY TAKEAWAYS:


    • The clearest signs you're autopiloting at work — and why your boss already knows
    • How to overcome the sunk cost fallacy around a degree or career you've outgrown
    • Diana's 3-part framework for a career pivot: values, skills/interests, and place
    • Why it's never too late to reinvent your career (Diana made her pivot in her 50s)
    • Breaking the "man as breadwinner" script in marriage
    • A simple journaling exercise to get career clarity fast


    CONNECT WITH DIANA:


    • Get Diana's book, Career with Intention: https://bit.ly/4cp2Etu
    • Connect with Diana on Instagram: https://www.instagram.com/diana.bernal.inc/
    • Diana's website: https://www.dianainc.com


    TAKE THE NEXT STEPS:


    • Join my Passive Profit workshop on July 28th: http://crowdcast.io/c/passiveprofit
    • Get the book, Financially Lit!: https://financiallylitbook.com
    • Download the FREE Dinero Guide: https://courses.yoquierodineropodcast.com/
    • Book a free Money Call: https://yoquierodineropodcast.com/links/


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

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