How To Go From Saver to Investor with Andrea Ramos

Yo Quiero Dinero

Jannese Torres

Personal Finance, Entrepreneurship, Finances, Generational Wealth, Budgeting, Investing, Financial Literacy, Business, Wealth, Personal Finance For Latinas, Equal Pay, Saving

4.8 • 616 Ratings

🗓️ 27 October 2025

⏱️ 50 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this week's episode of Yo Quiero Dinero, host Jannese Torres sits down with Andrea Ramos, founder of Building Gen Wealth, to talk about her journey from a first-gen saver to a full-time entrepreneur and money coach. Born in Peru and raised in the U.S., Andrea shares how her parents’ example of hard work and quiet money lessons sparked her own path toward financial independence—and how a moment of family crisis led her to reimagine what building wealth truly means. Andrea opens up about the challenges of leaving her 9-to-5, becoming a mom, and redefining success on her own terms. From navigating variable income to healing generational scarcity mindsets, she reminds us that wealth isn’t just about numbers—it’s about peace, possibility, and purpose.

💡 You’ll Learn

[07:15] The turning point that changed how she viewed saving, wealth, and security

[09:00] Why representation matters in the personal finance space

[16:30] How she built Building Gen Wealth while working full-time

[20:30] The key lessons she learned transitioning from employee to entrepreneur

[23:30] The “third skill” of money everyone needs to master—how to make more of it

[25:50] Managing money as a business owner and paying yourself with discipline

[34:00] How motherhood reshaped her relationship with money and ambition

[37:20] The mindset and practical steps to go from saver to investor

[42:30] The importance of being a lifelong learner when it comes to money

🔑 Key Takeaways

Making money is a skill. Whether you’re in a 9-to-5 or running a business, it’s something you can learn and grow.
Saving is your foundation. It’s not the finish line—it’s what allows you to invest, build, and sustain wealth.
Healing scarcity takes time. Emotional regulation around money is part of the work, especially for cycle breakers.
Entrepreneurship isn’t easy, but it’s empowering. Building income from your ideas takes grit, adaptability, and faith.
Your season matters. Success looks different in every phase of life—especially in motherhood.

📲 Connect With Andrea

Follow Andrea at @building.gen.wealth on Instagram for relatable financial education and visual breakdowns of investing, saving, and wealth-building.

❤️ Connect With Yo Quiero Dinero

Follow @YoQuieroDineroPodcast on Instagram and subscribe on YouTube for weekly money convos with Latinas who are owning their financial power.

This podcast was produced and edited by Idea to Launch Productions

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

Transcript

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0:00.0	This week on Yo Quiro Dino. Take us behind the scenes of what it was like to build a business on the
0:05.0	side while you're working, doing all the things. You're a mom too, right? So you're like balancing that as well.
0:10.5	Give us kind of the real deal because I think unfortunately a lot of folks sell entrepreneurship as
0:15.3	this like magic pill, this sexy thing and just snap your fingers and you have a million dollar
0:18.8	business. But that's not actually how it works, right?
0:22.4	Definitely not.
0:23.3	So I would literally get off my job, like have an hour for like, you know, eating, relaxing.
0:28.7	And then I would have a call at five, six, seven, and eight after work.
0:32.8	I would call in the weekends.
0:35.5	And I was tired.
0:36.8	I listened to a podcast that really, really helped me.
0:39.7	And it was like, if all the tired that you could be, this is the tired that I'm going to choose.
0:44.8	And for me, I was like, okay, I'm going to be tired for my dream. I'm going to be tired for my
0:50.4	goal.
0:53.6	You're listening to Joquiero Dinoero, a personal finance podcast for the modern Latina.
0:59.5	I'm your host, Janice Torres, award-winning Latina personal finance expert.
1:04.3	I didn't always have my financial shit together, but when I started looking for POC-friendly
1:08.9	personal finance podcasts, I couldn't find any.
1:11.9	And so Yo Quiero Dino was born.
1:13.7	On this show, I'll show you how to make dinero, how to keep your Dinero, and most importantly,
1:18.8	how to make it grow.
1:20.0	Each week, I'm connecting you with the most brilliant minds in the world of money and business.
	...

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