How Cindy Paid Off $215,000 in 4 Years | Cindy Zuniga-Sanchez of Zero-Based Budget
Yo Quiero Dinero
Jannese Torres
4.9 • 607 Ratings
🗓️ 3 January 2021
⏱️ 70 minutes
🧾️ Download transcript
Summary
Welcome to Season 3 of the Yo Quiero Dinero™ Podcast! This month, we’ll be helping you if you set any financial and investment goals you’ve made. Step 1? Pay off your debt. Listen to episode 66 and read on to learn how Cindy paid off 6 figures of debt in 4 years!
Cindy Zuniga-Sanchez is the founder of Zero-Based Budget Coaching LLC. After graduating law school in 2015 with $215,000 of debt, Cindy took control of her money by immersing herself in the world of personal finance. In 2018, she launched @zerobasedbudget on Instagram to document her debt payoff journey and simplify personal finance concepts.
After recognizing, through her platform, people’s unique needs and goals, Cindy founded her business where she offers personal finance coaching services and speaks to audiences small and large about budgeting, saving, investing, and more. Cindy practices law full time as a commercial litigator at Venable LLP. She is a graduate of Stony Brook University and obtained her Juris Doctor degree from the Benjamin N. Cardozo School of Law.
She was born, raised in, and currently resides in the Bronx, New York.
*Editor’s Note: Since the release of this episode, Cindy has quit her full time job as a lawyer and became a full-time entrepreneur! Congratulations, chingona!🎉
Episode 66 Highlights:
- Growing up low-income
- Having an obligation to her family
- Money shame
- Imposter syndrome in the workplace
- The steps Cindy took to approach her debt repayment, including how she saved $40,000 in relief this year.
- And much more!
For full episode show notes, visit us here.
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Transcript
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| 0:00.0 | At the end of the year, you get this statement from the IRS that basically says how much you paid, well, from your student loan provider so that you can claim to the IRS that basically says how much interest you paid for that year. |
| 0:15.2 | And when I got that statement, it said that I had, of the $24,000, $20,000 went to the interest. And only $4,000 went to the |
| 0:27.9 | principal. You're listening to Yo Quiero Dino, a personal finance podcast for the modern |
| 0:34.9 | Latina. I'm your host, Janice Torres Rodriguez, personal finance expert, |
| 0:39.5 | speaker, writer, and business coach. I teach women of color how to build wealth and gain financial |
| 0:44.9 | independence through side hustles and investing. On this show, we're serving up POC-friendly |
| 0:50.1 | personal finance knowledge, always with a side of SaaS. We're talking about how to make |
| 0:54.9 | Dinero, how to keep it, and how to make it grow. If you're ready to become Poderosa with |
| 0:59.8 | your Dinero, you've come to the right place. |
| 1:07.1 | Hello, my gente. Welcome back to another episode of Yo Quiro Dino the podcast. |
| 1:12.4 | This is your host, Janice. |
| 1:13.9 | And today we are kicking off season three of the podcast. |
| 1:17.5 | I cannot believe it. |
| 1:19.2 | Feels like we just wrapped up season two yesterday. |
| 1:21.9 | And maybe that's just because I never stopped working. |
| 1:24.3 | So it definitely didn't feel like a break. |
| 1:26.7 | But I'm so excited to be back with you |
| 1:28.5 | guys. This season is jam-packed y'all with so many amazing guests, and I'm actually going to be |
| 1:36.4 | doing a monthly solo episode as part of season three. So I'm super excited to give some behind-the-scenes |
| 1:42.8 | info and just give you guys regular updates on what I'm up to, along with bringing you what you have come to expect from this podcast, which is amazing guests, awesome content, and a couple of curse words sprinkled in for some flavor. |
| 1:58.6 | So if you've been rocking with me since day one or you just made |
| 2:02.0 | your way to the podcast, I'm so happy to have you here, so excited for you to join the |
... |
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