Soledad Fernandez Paulino

Because something I always tell people is the overwhelmed, overstimulated, exhausted brain cannot engage in financial planning.

That's coming up after the break.

You can call me Soledad.

I am the CEO of Wealth Para Todos and I'm a money and self-care coach.

So the rate of return being how much money did you earn from your investments?

Ideally, you're going to earn at least 10%.

average over 10 years.

There are going to be years where your rate of return is going to be really high, 21%.

And there are going to be years that it's low.

And I'm like, baby, everyone, everyone's dealing with that right now, which is why it's so important to compare, to check in, to see what

how the entire market is doing, not just your portfolio.

The lower the expense ratios, that means that's less fees you're paying a brokerage firm for investing and more money that you get to keep and that gets to grow.

And I personally don't have any investments with an expense ratio that is greater than 0.15%.

I say between 10% to 25% of your monthly expenses should be kept in your checking account buffer.

I say no more than 25% because, again, any money that's in your checking account is not going to be earning interest.

Your brag bank is a document.

It could be a Google Doc where you just record how you're performing in your job, like the wins, the

the compliments that you received, whatever evidence you have of how you are performing so well.

So when it comes to your annual review, you have this evidence already gathered.

And they'll start to say like, oh, I'm so bad with money because, you know, I can't create this budget.