<script data-pm-proxy="intercept"></script><?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:googleplay="http://www.google.com/schemas/play-podcasts/1.0"><channel><title><![CDATA[Yo Quiero Dinero Podcast]]></title><description><![CDATA[I’m Jannese Torres, host of the award-winning Yo Quiero Dinero podcast & author of Financially Lit! I help ambitious women ditch their 9-5s & create financial + location independence so they can live their best lives.]]></description><link>https://jannese.substack.com</link><image><url>https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png</url><title>Yo Quiero Dinero Podcast</title><link>https://jannese.substack.com</link></image><generator>Substack</generator><lastBuildDate>Wed, 02 Sep 2026 16:44:20 GMT</lastBuildDate><atom:link href="/__u/jannese.substack.com/feed" rel="self" type="application/rss+xml"/><copyright><![CDATA[Yo Quiero Dinero Podcast]]></copyright><language><![CDATA[en]]></language><webMaster><![CDATA[jannese@substack.com]]></webMaster><itunes:owner><itunes:email><![CDATA[jannese@substack.com]]></itunes:email><itunes:name><![CDATA[Yo Quiero Dinero Podcast]]></itunes:name></itunes:owner><itunes:author><![CDATA[Yo Quiero Dinero Podcast]]></itunes:author><googleplay:owner><![CDATA[jannese@substack.com]]></googleplay:owner><googleplay:email><![CDATA[jannese@substack.com]]></googleplay:email><googleplay:author><![CDATA[Yo Quiero Dinero Podcast]]></googleplay:author><itunes:block><![CDATA[Yes]]></itunes:block><item><title><![CDATA[Why Mothers Make Terrible Employees]]></title><description><![CDATA[Mothers make terrible employees.]]></description><link>https://jannese.substack.com/p/why-mothers-make-terrible-employees</link><guid isPermaLink="false">https://jannese.substack.com/p/why-mothers-make-terrible-employees</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Tue, 04 Aug 2026 11:50:18 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>Mothers make terrible employees.</p><p>There, I said it.</p><p>Not because we are less capable, more distracted or less committed.</p><p>Mothers make terrible employees because once you are responsible for an actual huma&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[Buying Real Estate in Puerto Rico Will Humble You]]></title><description><![CDATA[What buying, selling, and trying again taught me about money, identity, and owning a piece of the island]]></description><link>https://jannese.substack.com/p/buying-real-estate-in-puerto-rico</link><guid isPermaLink="false">https://jannese.substack.com/p/buying-real-estate-in-puerto-rico</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Sun, 02 Aug 2026 15:25:43 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>Buying property in Puerto Rico is not for people who need everything to happen quickly, predictably, or according to plan.</p><p>It will test your patience.</p><p>It will challenge what you think you know about re&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[The Money Rules That Keep Latinos Broke]]></title><description><![CDATA[If you grew up in a Latino household, chances are you heard certain phrases about money over and over again.]]></description><link>https://jannese.substack.com/p/the-money-rules-that-keep-latinos</link><guid isPermaLink="false">https://jannese.substack.com/p/the-money-rules-that-keep-latinos</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Mon, 16 Mar 2026 12:55:16 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>If you grew up in a Latino household, chances are you heard certain phrases about money over and over again.</p><p>Not in a classroom. Not in a finance book.</p><p>At the kitchen table. In passing comments. In war&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[The “Secret” That Added 11,000 People to My Email List in 7 Days]]></title><description><![CDATA[A lot of creators think audience growth comes from dancing on TikTok, chasing trends, or posting more content.]]></description><link>https://jannese.substack.com/p/how-i-grew-my-email-list-by-11000</link><guid isPermaLink="false">https://jannese.substack.com/p/how-i-grew-my-email-list-by-11000</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Sun, 15 Mar 2026 19:38:47 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>A lot of creators think audience growth comes from dancing on TikTok, chasing trends, or posting more content.</p><p>But sometimes the fastest way to grow is much simpler.</p><div class="subscription-widget-wrap-editor" data-attrs="{&quot;url&quot;:&quot;https://jannese.substack.com/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe&quot;,&quot;language&quot;:&quot;en&quot;}" data-component-name="SubscribeWidgetToDOM"><div class="subscription-widget show-subscribe"><div class="preamble"><p class="cta-caption">This Substack is reader-supported. &#8230;</p></div><form class="subscription-widget-subscribe"><input type="email" class="email-input" name="email" placeholder="Type your email&#8230;" tabindex="-1"><input type="submit" class="button primary" value="Subscribe"><div class="fake-input-wrapper"><div class="fake-input"></div><div class="fake-button"></div></div></form></div></div>
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   ]]></content:encoded></item><item><title><![CDATA[The Year I Chose Myself]]></title><description><![CDATA[There&#8217;s a moment in life when the truth becomes impossible to ignore.]]></description><link>https://jannese.substack.com/p/the-year-i-chose-myself</link><guid isPermaLink="false">https://jannese.substack.com/p/the-year-i-chose-myself</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Sun, 08 Mar 2026 12:01:27 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>There&#8217;s a moment in life when the truth becomes impossible to ignore.</p><p>You realize the life you&#8217;re living isn&#8217;t actually the one you want.</p><p>The job feels wrong. The relationship feels heavy. The path you&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[Why Making Money Isn’t Enough Anymore]]></title><description><![CDATA[Why Location Independence Needs to Be Your Next Goal]]></description><link>https://jannese.substack.com/p/why-making-money-isnt-enough-anymore</link><guid isPermaLink="false">https://jannese.substack.com/p/why-making-money-isnt-enough-anymore</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Sat, 07 Mar 2026 13:08:31 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>For most of my twenties, I thought success looked like stability.</p><p>A good job. A steady paycheck. A predictable life.</p><p>I followed the script the way so many first-generation kids do. Go to college. Get a&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[Is This the Beginning of Another 2008 Financial Crisis?]]></title><description><![CDATA[Every time a headline mentions investors rushing to withdraw money from a fund, people start asking the same question.]]></description><link>https://jannese.substack.com/p/is-this-the-beginning-of-another</link><guid isPermaLink="false">https://jannese.substack.com/p/is-this-the-beginning-of-another</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Sat, 07 Mar 2026 01:23:58 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>Every time a headline mentions investors rushing to withdraw money from a fund, people start asking the same question.</p><p>Is this how it starts again?</p><p>That question popped up this week after reports that &#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[The Passport Strategy Nobody Told Puerto Ricans About]]></title><description><![CDATA[If you&#8217;re Puerto Rican, there&#8217;s a weird little bureaucratic loophole that could change your life.]]></description><link>https://jannese.substack.com/p/the-passport-strategy-nobody-told</link><guid isPermaLink="false">https://jannese.substack.com/p/the-passport-strategy-nobody-told</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Thu, 05 Mar 2026 22:46:15 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>If you&#8217;re Puerto Rican, there&#8217;s a weird little bureaucratic loophole that could change your life.</p><p>Most people on the island and in the diaspora have never even heard of it!</p><p>But it has to do with someth&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[You Should Be Trying to Make Yourself Unemployable]]></title><description><![CDATA[I know that sounds reckless.]]></description><link>https://jannese.substack.com/p/you-should-be-trying-to-make-yourself</link><guid isPermaLink="false">https://jannese.substack.com/p/you-should-be-trying-to-make-yourself</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Tue, 03 Mar 2026 14:05:56 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>I know that sounds reckless.</p><p>Irresponsible, even.</p><p>We were raised to believe that the ultimate goal was to become <em>employable</em>. Get the degree. Get the job. Stay loyal. Climb the ladder. Retire at 65 if y&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[What I’m Doing With My Investments That Most Millennials Aren’t]]></title><description><![CDATA[For a long time, I did what most people do.]]></description><link>https://jannese.substack.com/p/what-im-doing-with-my-investments</link><guid isPermaLink="false">https://jannese.substack.com/p/what-im-doing-with-my-investments</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Sun, 01 Mar 2026 20:09:35 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>For a long time, I did what most people do.</p><p>I invested mostly in the U.S. stock market.</p><p>Index funds. Broad exposure. Let it grow.</p><p>And that worked.</p><p>But turning 40 changed how I think about money. I&#8217;m not &#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[Why Most Business Owners Suck At Making Money]]></title><description><![CDATA[It&#8217;s not what you think.]]></description><link>https://jannese.substack.com/p/why-most-business-owners-suck-at</link><guid isPermaLink="false">https://jannese.substack.com/p/why-most-business-owners-suck-at</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Sun, 01 Mar 2026 12:45:56 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>Most business owners don&#8217;t actually suck at making money.</p><p>They suck at owning the role of CEO.</p><p>If you feel like you &#8220;suck at making money,&#8221; what you usually mean is:</p><p>You&#8217;re busy. You&#8217;re talented. You&#8217;re&#8230;</p>
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   ]]></content:encoded></item><item><title><![CDATA[Why I Don’t Offer Scholarships For My Courses]]></title><description><![CDATA[For a long time, I struggled with the idea of scholarships.]]></description><link>https://jannese.substack.com/p/why-i-dont-offer-scholarships-for</link><guid isPermaLink="false">https://jannese.substack.com/p/why-i-dont-offer-scholarships-for</guid><dc:creator><![CDATA[Yo Quiero Dinero Podcast]]></dc:creator><pubDate>Fri, 27 Feb 2026 12:16:08 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!S96y!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F66d4cffe-23fa-4a1c-b530-5c3ed68095dd_918x920.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>For a long time, I struggled with the idea of scholarships.</p><p>Not because I don&#8217;t care. Not because I don&#8217;t understand what it feels like to want something and not be able to afford it. I built my entir&#8230;</p>
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