The First-Gen Guide to Money, Mindset, and Abundance with Diana Garcia

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

🗓️ 18 August 2025

⏱️ 36 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

In this week’s episode,Jannese sits down with Diana Garcia, founder of Amigas y Dinero, to explore her personal journey from nonprofit work to becoming a full-time money coach helping Latinas rewrite their financial stories.

Diana shares how a pivotal decision during the pandemic, choosing not to return to a two-hour commute led her to create her own income, community, and career. She opens up about growing up in an immigrant household in LA, the scarcity mindset she witnessed, and her mission to help others build wealth from a place of joy, not sacrifice.

From saving $10,000 in under a year on a modest income, to helping clients break free from paycheck-to-paycheck cycles, Diana offers actionable insights for tackling debt, increasing income, and navigating the unique financial challenges first-gen families face. She also gets real about overcoming fear, advocating for yourself in the workplace, and having money conversations with your parents.

What You’ll Learn in This Episode:

How Diana turned a pandemic pivot into a thriving coaching business
Practical strategies to save more—without extreme sacrifice
Why growing your income can be more effective than cutting expenses
Side hustle ideas based on your skills and passions
How to address limiting beliefs that hold you back financially
Navigating family expectations as the “first-gen retirement plan”
Why community, mentorship, and environment matter for financial growth

Transcript

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0:00.0	No business leader wakes up thinking, gee, I hope I can make some huge trade-offs today.
0:05.8	And yet that's exactly what most security solutions ask of you. Trade speed for safety, user
0:11.0	experience for control, trade keeping things simple for keeping them secure. Not so with
0:16.8	Octa. Octa gives you a unified solution to protect identity.
0:23.9	No friction, no frustration, no compromises.
0:27.8	Security that's a launch pad instead of a limiter, it's possible.
0:29.1	It's Octor.
0:34.0	This week on Yo Kiro Dinero.
0:36.7	Dealing with the first-gen experience.
0:41.3	They are trying to get out of the paycheck-to-paycheck struggle that they might have seen growing up.
0:47.8	For your first-gen clients, what do you see as some of the limiting beliefs that are keeping people stuck?
0:51.1	I'm seeing a lot of fear and doubt.
0:55.3	Fear in the sense that there's still a lot of people in our generation,
1:02.4	well, in my generation, that are keeping money in the drawer. Yeah, 20205 people still putting money under the mattress. People are still putting money under the mattress. And it sounds like a joke,
1:06.0	but it's the reality. You're listening to Joquiero Dinoa, a personal finance podcast for the modern Latina.
1:15.8	I'm your host, Janice Torres, award-winning Latina personal finance expert.
1:20.5	I didn't always have my financial shit together, but when I started looking for POC-friendly
1:25.2	personal finance podcasts, I couldn't find any.
1:28.2	And so Yo Quiero Dino was born.
1:30.0	On this show, I'll show you how to make dinero, how to keep your Dinero, and most importantly,
1:35.0	how to make it grow.
1:36.3	Each week, I'm connecting you with the most brilliant minds in the world of money and business.
	...

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