Unicorn Millionaire Podcast: LGBTQ+ BIPOC Financial Coaching to Crush Debt and Retire Early
Episodes
146. How Anti-Capitalist Shame Keeps Marginalized Folks Vulnerable
13 May 2026
Contributed by Lukas
You are NOT greedy for wanting financial security. Marginalized people deserve safety, options, rest, joy, and long-term wealth, too.Unfortunately, we...
145. Cómo Manejar Tu Dinero en Tiempos Caóticos
30 Apr 2026
Contributed by Lukas
El mundo se siente caótico.La economía cambia cada semana, hay miedo político, incertidumbre laboral, inflación, y muchas personas sienten que no ...
144. How to Kick Inflation in the Face Without Waiting for a Raise
22 Apr 2026
Contributed by Lukas
You’ve been told to save more money to feel financially secure and to cut back on spending.But with inflation rising, saving and cutting back isn’...
143. AI,the Economy, and ICE: How to Grow Your Money When Things Feel Scary
15 Apr 2026
Contributed by Lukas
AI is replacing jobs, and ICE raids and kidnappings are freaking you out. The economy feeling unstable because we have an unhinged president deciding ...
142. Trump’s Nuke Threats to Ceasefire: Recover the 5K–100K You’re Losing to Money Fear
08 Apr 2026
Contributed by Lukas
With all the nuke threats, threats to trans rights, political chaos and daily news headlines, we are in STRESSFULL times. And even if you’re not th...
141. How to Stop Living Paycheck-to-Paycheck in Your Mind
01 Apr 2026
Contributed by Lukas
You can be making good money and still feel broke AF, behind, anxious about your money not doing what it is supposed to, or like you STILL can't e...
140. Stop Waiting for a Raise: Build a Six-Figure Retirement With the Money You Already Have
12 Mar 2026
Contributed by Lukas
Waiting for a raise is one of the biggest things slowing down your retirement timeline.In this episode, I break down how one of my clients stopped wai...
139. How To Sell Stock and Still Retire Early
04 Mar 2026
Contributed by Lukas
This week I decided to do something that makes a lot of investors deeply uncomfortable: I sold $5,000 of stock.In this episode, I walk you through exa...
138. How Painting Fits Into My Early Retirement Plan
04 Feb 2026
Contributed by Lukas
This week in Portland, with ICE protests happening just blocks from where I’m pet sitting, I decided to do something I haven’t done in years: pick...
137. What to Invest In: Index Funds, Stocks, ESG Explained
28 Jan 2026
Contributed by Lukas
In today’s episode, I break down what to invest in and why, based on how the stock market actually works. I share how I think about investing as a ...
136. The Simple Investing Habits That Let You Retire Early
15 Jan 2026
Contributed by Lukas
In this episode, Charly breaks down the exact investing habits that have allowed them to build a six-figure net worth without ever making a six-figure...
135. Jkiillem on Building a Queer Nightlife Career & Diversifying Income
17 Dec 2025
Contributed by Lukas
In this episode, Charly interviews Jkillem, a queer nightlife entertainer, creator, and influencer, for a rare conversation about money, career pivots...
134. 3 Easy Year-End Money Moves for Your Cash, Credit, and Retirement
10 Dec 2025
Contributed by Lukas
I break down 3 easy year-end money moves for your cash, credit, and retirement so you can be work-optional sooner instead of working forever. You don’...
133. How This Latina Business Consultant Turns Cooks Into CEOs, with Viridiana Ponce
05 Dec 2025
Contributed by Lukas
Viridiana Ponce, a Latina business consultant who turns cooks into CEOs and teaches entrepreneurs to build profitable, financially confident businesse...
132. Black Friday FOMO to First-Gen Homebuyer: How Nora Boosted Her Credit and Bought a House at 28
26 Nov 2025
Contributed by Lukas
This episode shows how my 6 month money coaching client, Nora, went from impulse shopping and feeling scattered with money, to first-time homebuyer at...
131. How Salary Transparent Street’s Hannah Williams Went from Underpaid to Million-Dollar Creator
10 Nov 2025
Contributed by Lukas
What if being transparent about money could make you a millionaire?In this episode of the Unicorn Millionaire Podcast, I’m joined by Hannah Williams...
130. How to Get Paid for Investing in Money Coaching
27 Oct 2025
Contributed by Lukas
You don’t have to sacrifice your joy, or miss out on your next vacation, to afford 6 month money coaching.In this episode of the Unicorn Millionaire...
129. Relationship Anarchy and Investing in the Way You Love with Sarah Wolfer
10 Oct 2025
Contributed by Lukas
In this episode, I’m joined by Sarah Wolfer (she/they) — a queer, nonbinary therapist and founder of Courageous You Therapy — to explore relatio...
128. Money Coaching for First-Gen, BIPOC & LGBTQ | 6-Month Program FAQ
02 Oct 2025
Contributed by Lukas
If you’ve been curious about what my 6-month money coaching program includes, this episode breaks it all down for you. I answer your most common que...
127. Venmo Is Ghetto: Where to Actually Store Your Cash w/ The Sugar Daddy Podcast)
24 Sep 2025
Contributed by Lukas
If you’re still leaving money in Venmo, Cash App, or PayPal like it’s a savings account, this episode is for you.I sat down with Jessica and Brand...
126. How to Quit Your Job and Build Wealth as a First-Gen Entrepreneur with Gina Moreno
29 Aug 2025
Contributed by Lukas
In this powerful conversation with Gina Moreno, a first-gen Mexican American entrepreneur, content creator, and coach, we talk about what it takes to ...
125. From 0% APR to Monthly Payments: How I’m Paying Off $12K in Credit Card Debt
19 Aug 2025
Contributed by Lukas
In this instagram live episode of the Unicorn Millionaire podcast, I share how I’m intentionally paying off $12,000 in credit card debt—and why I ...
124. How to Pay Off Debt by Selling Stock Without Touching Your 401(k) [Live Class]
04 Aug 2025
Contributed by Lukas
In this live class and episode of the Unicorn Millionaire podcast, I teach you how to pay off debt without shame—and why selling stock from your tax...
123. How to Use Credit Cards and Debt to Retire Early (Live Q&A)
23 Jul 2025
Contributed by Lukas
In this instagram live Q&A and episode of the Unicorn Millionaire podcast, @travelercharly breaks down how to use credit cards and debt to retire ...
122. How My Client, Michelle Sanchez, Built Six-Figure Wealth Before 30 and Collapsed Her Retirement Timeline
18 Jun 2025
Contributed by Lukas
Michelle Sanchez is a first-gen eldest daughter who built six figures in wealth before turning 30—while navigating chronic illness, moving states fo...
121. Why You Feel Sad While Building Wealth-Especially If You’re First-Gen
30 May 2025
Contributed by Lukas
No one tells you that building wealth can feel lonely, confusing, even grief-filled—especially when you're the first in your family to do it. In...
120. How to Recession-Proof Your 401(k)
28 Apr 2025
Contributed by Lukas
Your 401(k) isn't recession-proof — and that's costing you $10k+ a year.In this episode, I’m breaking down exactly how to recession-proof ...
119. From nervous with money to excited to invest: Telesh’s money coaching transformations
01 Apr 2025
Contributed by Lukas
In this episode, I have my money coaching client, Telesh, on to talk about her money coaching wins after 6 months of working with me. As a queer latin...
118. What Six Figure Earners Need to Know About the Stock Market Right Now
27 Mar 2025
Contributed by Lukas
As a six figure earner, you're worried about the stock market right now. You're worried about losing your money and your job, and you're worried about...
117. How I've made $30k in sales so far in 2025
20 Mar 2025
Contributed by Lukas
Whether you're a 9-5 er, a full time business owner, or you know you need to diversify income streams in this economy, this episode is for you. So...
116. How to be a smart, lazy investor
25 Feb 2025
Contributed by Lukas
In this episode, you'll learn how to make more money with less effort. The point of investing is to make your money grow itself passively, and I&#...
115. How to Get Paid Public Speaking Gigs & Build Community with Steph Wharton
18 Feb 2025
Contributed by Lukas
In this episode, I'm interviewing my Canadian-Argentinian emotional support buddy and latina badass, Steph Wharton, to talk about how to land paid spe...
114. Target Date Funds are Sabotaging Your Retirement
13 Feb 2025
Contributed by Lukas
A target date fund (TDF) is an investment portfolio that automatically adjusts to convert more and more to cash the closer it gets to a certain date, ...
113. How To use Email to Become Social Media Optional with Kirsten Roldan
09 Feb 2025
Contributed by Lukas
When it comes to email, opens and clicks don't matter. Templates don't change industries. Listen to this episode with my coach, Kirsten Roldan...
112. Why You Should Give a F*ck About Your Hormones NOW, Whether You’re Trans or Cis, with Naihomy Jerez
30 Jan 2025
Contributed by Lukas
Naihomy with the good skin is in the house!! Her skin is poppin' because her gut and hormone health are on point and we're sharing how she got...
111. Paying Off Student Loans Lowers Your Credit Score and What to Do About it
20 Jan 2025
Contributed by Lukas
When you use your high salary to crush your student loans and pay them off in full, your credit score will actually drop! Listen to this episode to un...
110. Hire Me For Your Next DEI or LGBT/BIPOC Employee Affinity Group Money Workshop
16 Jan 2025
Contributed by Lukas
I'm not another white guy in a suit giving a boring finance talk – I’m a queer, trans, ex stock broker turned money coach here to empower your...
109. How Undocumented Immigrants Can Invest With ITINs with Maribel
08 Jan 2025
Contributed by Lukas
In this episode, Maribel Francisco, founder of Our Wealth Matters, shares her expertise in empowering immigrant communities through financial educatio...
108. From $300k Debt to Millionaire: How Bernadette backed Kamala's Campaign in a swing state
21 Dec 2024
Contributed by Lukas
In this episode, we're getting spicy. We're getting political. Listen to how Bernadette Joy Cruz Maulion, a money coach and author, crushed $300k in d...
107. Renting vs. Buying a Home for First Gens
09 Dec 2024
Contributed by Lukas
In this episode, I answer: should you rent or buy a home? It’s not about following the crowd or what society expects—it’s about making the best ...
106. How LGBT/BIPOC can use Credit Card Points to Travel the World w/ Rachel Thomas
26 Nov 2024
Contributed by Lukas
Listen to this episode to learn how LGBT/BIPOC can use Credit Card Points to Travel the World. I met Rachel at Fincon recently and we talked all about...
105. How LGBT/BIPOC can Boost Your Credit Scores to 800+
21 Nov 2024
Contributed by Lukas
Are you ready to join the 800+ credit score club? In this episode, we dive into why boosting your credit score is more urgent than ever—and how to m...
104. Unlocking Scholarships for Adults: Travel, Conferences & More with Ms. Chika
11 Nov 2024
Contributed by Lukas
In this episode, Charly gives their thoughts on the duality of your net worth being the highest with stocks being up while also grappling with the ele...
103. How Election Day impacts your stocks & what to do about it
04 Nov 2024
Contributed by Lukas
Election day is a HUGE day for the stock market. Listen to this timely episode to learn all about how to navigate stock market fluctuations in intenti...
102. Why November's the BEST time to start money coaching with me
01 Nov 2024
Contributed by Lukas
Listen to this episode to learn why November is the BEST time to start money coaching with me! November is when open enrollment for Employer benefits ...
101: Removing Shame: Pet Sitting as an Income Source
15 Oct 2024
Contributed by Lukas
I've worked on removing the shame I had around pet sitting for the past DECADE as an additional revenue stream, and I'm sharing more about it! Listen ...
100. How to Use Credit Card Bonuses For Major Expenses
05 Oct 2024
Contributed by Lukas
Join me in my 100th episode (YAY!!) as I share how I strategically leveraged two business credit cards to take advantage of their bonus intro offers. ...
99. Review the podcast & win a coaching session!
05 Sep 2024
Contributed by Lukas
Happy Virgo season! To celebrate my b-day month, I'm giving away a free money coaching call! How to enter: 1. Review this podcast on Spotify or A...
98. How I’m Healing Chronic Health Issues w/ my Ayurvedic Health Coach, Veronica Paige
22 Aug 2024
Contributed by Lukas
Listen to this episode to learn all about the misconceptions of Ayurveda and how my health coach helped me start healing from the worst health crises ...
97. The Top 4 Investing Accounts To Retire Early, Explained
12 Aug 2024
Contributed by Lukas
One of the biggest mistakes I see new investors make is that they don't maximize investment account types. One sign I look for is that they have...
96. The difference between being rich and acting rich w/ Ken Dolan-Del Vecchio
06 Aug 2024
Contributed by Lukas
Listen to this episode to learn how to stay on track with financial health as a key aspect of overall health. Ken retired from corporate at age 56 and...
95. How HSAs can help you retire early
30 Jul 2024
Contributed by Lukas
Listen to this episode to get the scoop on Health Savings Accounts (HSAs) and how they can help you retire early! Health Savings Accounts (HSAs) are ...
94. How to take advantage of capitalism as a WOC w/ Linda Garcia
22 Jul 2024
Contributed by Lukas
"Economics impacts everything. Politics impacts everything." These are the powerful words of Linda Garcia, today's guest. I'm so exc...
NEW Unicorn Millionaire Podcast Trailer!
22 Jul 2024
Contributed by Lukas
I'm so excited to share the New Unicorn Millionaire Podcast trailer with you that I will be using from now on! I can't wait to grace your ea...
93. Chase Sapphire Preferred vs. Sapphire Reserve Credit Cards
03 Jul 2024
Contributed by Lukas
Debating going with the Chase Sapphire Preferred or Sapphire Reserve credit card? Listen to this episode to learn the difference between the two cards...
92. How to handle large cash influxes
24 Jun 2024
Contributed by Lukas
Whether they're a surprise or planned, large cash influxes can be overwhelming. They can come in the form of an inheritance, settlement, or a surp...
91. How to prep for home buying
14 Jun 2024
Contributed by Lukas
Listen to this episode to learn about how to get your finances in order so you can get that great interest rate and prepare for your first home. I sha...
90. The Grief of Rehoming a Pet
03 Jun 2024
Contributed by Lukas
Listen to this episode to learn how I navigated the grief of rehoming my cat, Luna. I share why I decided to do this, which was one of the toughest de...
89. Your Health is Your #1 Investment: Navigating Chronic Illness
15 May 2024
Contributed by Lukas
Your health is your #1 investment. Listen to this update to get updates on my health issues as I close this chapter in Puerto Vallarta, and how I'...
88. How Queer is Foster Care?
08 May 2024
Contributed by Lukas
On today's episode, we're talking to foster parent and money coach Nicole to talk about just how queer foster care is. 30% of foster children ...
87. How to be Financially Lit! with Jannese Torres
30 Apr 2024
Contributed by Lukas
I'm pumped to have personal finance expert Jannese Torres on the podcast to learn all about how to build wealth while protecting your peace. Liste...
86. The Ultimatum: High Yield Savings Accounts
24 Apr 2024
Contributed by Lukas
Will you stay in a toxic relationship with your checking/savings account and their trash interest rates, or will you open a high yield savings account...
85. Q1: $12k in sales and how I paid off debt as a single, full time entrepreneur
21 Apr 2024
Contributed by Lukas
Listen to this episode to get an update on my two week solo trip throughout Mexico, as well as a detailed month by month breakdown of how much money I...
84. True Self Care Isn't a Treat with Soledad
14 Apr 2024
Contributed by Lukas
I'm so happy for y'all to listen in on this episode with one of my good friends and fellow nonbinary latinx money coach, Soledad, to talk all ...
83. We're here, we're queer: Keli's Money Coaching Transformations!
01 Apr 2024
Contributed by Lukas
Listen to this episode to hear all about my queer latina client, Keli, and her massive money coaching transformations while working with me as her mon...
82. Why You Should be a Roth FREAK
11 Mar 2024
Contributed by Lukas
I break down the differences and similarities between Roth IRAs and Roth 401(k)s and why I love these investment accounts so much. I share how I start...
81. Aprendizajes de mi primer temazcal como persona trans
04 Mar 2024
Contributed by Lukas
El temazcal es un baño de vapor. Se ha utilizado en Mesoamérica desde hace milenios, con fines terapéuticos, higiénicos y rituales. En este episod...
80. Dump That Checking Account
11 Feb 2024
Contributed by Lukas
This episode is all about why you should dump that checking account and u-haul it with your high yield savings accounts. There's absolutely no re...
79. Win a Money Coaching Session With Charly!
06 Feb 2024
Contributed by Lukas
To celebrate hitting 3,200 podcast downloads, I'm giving away a free money coaching call with me ($500 value)! How to enter: 1. Review this podcas...
78. Money Coaching Commentary: Griselda
29 Jan 2024
Contributed by Lukas
Spoiler Alrert! We have drama, we have investing mistakes and wins, we have entrepreneurship lessons, and we have my commentary on gender themes that ...
77. Reflections on Wealth Building while Microdosing 🍄
25 Jan 2024
Contributed by Lukas
In this episode, I share how I'm on week two of microdosing 🍄 and taking an unexpected break from drinking! I decided to try microdosing for a ...
76. How to Be Strategic with Debt Like a Rich Person
15 Jan 2024
Contributed by Lukas
Rich people get into debt all the time. They just call it "leverage." Prince Harry had to borrow money to buy his house in Santa Barbara. Th...
75. Confidently manage your business finances
09 Jan 2024
Contributed by Lukas
As a single income earner who has made $170k in sales since starting my business, I haven't come across any programs that focus specifically on ho...
74. Why You Should Leave Wells Fargo/Bank of America
08 Jan 2024
Contributed by Lukas
Time to leave them! One argument why people stay with them is that they feel like in person banks are "safer". In person banks aren't ne...
73. Money Moves to Start The Year & Retire Early
03 Jan 2024
Contributed by Lukas
Happy New Year! Listen to this episode to hear all about the investing moves I am making to start the year off right. I share how much I'm investi...
72. 2023 Business Lessons as a Single Income Earner
26 Dec 2023
Contributed by Lukas
Listen to this episode to learn how I navigated $60k in sales as a single income earner who traveled to 7 countries this year. I share how I navigated...
71. How To Launch a Podcast!
19 Dec 2023
Contributed by Lukas
Listen to this episode if you're looking for help with getting started or with keeping up with your podcast. I share how I grew to nearly 3,000 do...
70. How To Protect Yourself from Credit Card Fraud
11 Dec 2023
Contributed by Lukas
Ho ho hoax! The holiday season is upon us, and with it, there's always a rise in cyber crime because of holiday shopping. Listen to this episode t...
69. How to Feel Excited About Your Money
04 Dec 2023
Contributed by Lukas
Listen to this episode to learn all about how to be intentional with your money instead of feeling dragged down and energetically drained from thinkin...
68. How to Crush Credit Card Debt
18 Nov 2023
Contributed by Lukas
There's nothing wrong with you for having credit card debt. What matters is taking action on it so you can get on track for financial independence. Th...
67. How to improve your spending habits
13 Nov 2023
Contributed by Lukas
In this episode, I talk all about how to improve your spending habits so you can retire sooner. These are 2 types of spenders: 1. The YOLO/I won'...
66. What the 2024 IRA Limits Mean For Your Retirement
08 Nov 2023
Contributed by Lukas
The 2024 IRA limit has been raised to $7k a year! $8k if you're over 50! Listen to this episode to learn about why this matters and how IRAs are t...
65. How to Grow Your Mailing List
31 Oct 2023
Contributed by Lukas
I've grown my mailing list to about 500 people in 2 years and I wanted to share how I did it. Having a business is a great way to add extra inco...
64. Re-release: How to Avoid Lifestyle Creep
23 Oct 2023
Contributed by Lukas
Making more money won't automatically improve your money habits. Making more but not saving more? Listen to this episode from last year that I rec...
63. How to pick stocks the simple way
23 Oct 2023
Contributed by Lukas
You've opened your investment accounts and transferred the cash, now what? You have to invest that money if you want it to grow. But what should you i...
62. How I grew my credit score to 808
14 Oct 2023
Contributed by Lukas
Listen to this episode to learn how I went from having a crappy Bank of America cash back card and no credit to growing my credit score to 808. I shar...
61. How to build sustainable food & money habits w/ health coach Samantha Lee
02 Oct 2023
Contributed by Lukas
In this episode, I talk with health coach Samantha Lee about deprogramming all the unhealthy generational wounds we've inherited when it comes to ...
60. Lessons from my first car accident and my summer in LA
22 Sep 2023
Contributed by Lukas
In this episode I talk about my first car accident. It has been a shitty week, but I'm proud of myself for how I've handled my thoughts about it and w...
59. How to use AI and storytelling to crack the career code with Steph Graham
18 Sep 2023
Contributed by Lukas
In this episode, we break down the importance of marginalized folks to know the options available to them for career development, whether it's kno...
58. Self Compassion Makes Millions with My Business Coach, Cat del Carmen
11 Sep 2023
Contributed by Lukas
I'll never forget the day I sat on the beaches of Playa del Carmen in 2021 and sold $3,000 in Tesla stock to hire my first coach ever, business co...
57. How to get paid to travel the world with Jen Ruiz
05 Sep 2023
Contributed by Lukas
Where in the world is Jen Ruiz? I met Jen at the Yo Quiero Dinero Summit in Puerto Rico and loved how up front she was about how she's made a liv...
56. Bring the Sazón Into Branding Your Business with Susana Cardona
22 Aug 2023
Contributed by Lukas
Join myself and Susana Cardona for a real AF, anticapitalist conversation as we dive into the world of BIPOC and female/marginalized folks entrepreneu...
55. Twerk Your Way to a 7 Figure 401(k)
17 Aug 2023
Contributed by Lukas
Want your 401(k) to work for YOU instead of the other way around? Listen to this episode to learn all about how to keep your life simple when rolling ...
54. Protect Yourself From Layoffs and Get Paid More with Adriana Galvan
14 Aug 2023
Contributed by Lukas
Listen to this episode with Adriana to learn all about what it's like working on the other side of salary negotiations as someone who works in HR,...
53. From Loving Living in Puerto Rico to Traveling to Egypt with Bianca Alba
07 Aug 2023
Contributed by Lukas
I met Bianca Alba from This Latina Travels at the Our Money Our Power Summit in Puerto Rico in June, and we bonded over our love for travel and commun...
52. Post Divorce Money Moves with the Investing MILF, Bindu
31 Jul 2023
Contributed by Lukas
Bindu hired me as her money coach because financially, she was on her own for the 1st time post divorce. She wanted to move forward without fear. By w...
51. Gender Magic, Pleasure, and Intimacy w/ Rae McDaniel
24 Jul 2023
Contributed by Lukas
I have been shouting from the rooftops about non-binary sex therapist Rae McDaniel's new book, Gender Magic, since it came out. It has really help...
50. Red Flags in Money and Relationships
15 Jul 2023
Contributed by Lukas
Your partner(s) is your biggest investment. Listen to learn about red flags in money and relationships so that you can either decide to leave a relati...
49. Long term podcasting, money chisme, and allyship with Brenda Gonzalez
11 Jul 2023
Contributed by Lukas
In anticipation of our Money Chisme in person event in LA on 7/20, I wanted to have Tamarindo Podcast founder and co-host, Brenda Gonzalez on the podc...
48. Stocks Are Sexy and So Is Doubling Your Business Revenue with Gloria Malone
03 Jul 2023
Contributed by Lukas
On this episode, I chat with my money coaching client and Aries Goddess, Gloria Malone, about how she's doubled her business revenue month to mont...