Yanely Espinal

Yanely Espinal, a dedicated financial educator and author, shares her expertise on avoiding common financial pitfalls. She stresses the dangers of co-signing loans and hype-driven investments. Espinal emphasizes the importance of understanding borrowing dynamics and cautions against high-interest debt. Listeners will discover strategies for financial empowerment, including managing budgets and leveraging high-yield savings accounts. Plus, she discusses the significance of financial literacy for making informed investment choices and building long-term wealth.

Yaneli Espinal, a financial educator and author of 'Mind Your Money', shares insights from her journey overcoming credit card debt as a daughter of immigrants. She highlights common mistakes in personal finance, like the importance of negotiating loan terms and using credit unions for better rates. Yaneli warns against co-signing loans and advocates for high-yield savings accounts. She emphasizes the benefits of 401(k)s, suggests investing in index funds over hot stocks, and advises tracking budgets to counter lifestyle inflation.

Yanely Espinal, a financial educator dedicated to improving financial literacy for high schoolers and author of "Mind Your Money," shares vital advice on avoiding common financial pitfalls. She warns against co-signing loans and hype-driven investments, encouraging listeners to spend wisely and not exceed their means. Espinal emphasizes the importance of smart borrowing strategies, such as favoring credit unions and establishing financial boundaries. With practical tips on budgeting, savings, and long-term investing, her insights aim to empower better financial health.

Financial educator Yanely Espinal, an advocate for financial literacy and author of 'Mind Your Money', shares essential money don'ts to help listeners navigate their finances. She warns against co-signing loans and making impulsive, hype-driven investments. Espinal emphasizes understanding loan agreements and the advantages of credit unions. She discusses the importance of 401(k)s and avoiding lifestyle inflation to prevent living paycheck to paycheck. Tune in for practical advice that can create a healthier financial future!

Yaneli Espinal, Director at Next Gen Personal Finance and author of "Mind Your Money," dives into the often-overlooked topic of choosing the right bank. She discusses the pitfalls of staying with an old bank that may charge unnecessary fees. Yaneli provides practical tips on exploring various banking options and highlights the importance of financial literacy in making informed choices. Tune in to discover how to find a banking solution that truly fits your needs!

Yanely Espinal, a financial educator and author of 'Mind Your Money', shares crucial insights on avoiding financial blunders. She warns against the pitfalls of co-signing loans and hype-driven investments while emphasizing the importance of budgeting. Espinal also highlights the advantages of credit unions and advocates for a balanced investment strategy. With practical tips on selecting favorable loans and leveraging financial counselors, she guides listeners on creating a secure financial future, reminding them that it's never too late to change course.

Maybe you’ve got a little cash from that babysitting gig, a part-time job or even some birthday money. Now would be a great time to have a budget, which is basically a plan for how you want to spend (or save) your money. This week, Yanely Espinal talks with Berna Anat, the internet’s Financial Hype Woman (yes, that’s her job title) about some easy and practical ways to budget (spoiler alert: Astrology is involved).Think you’re financially inclined? Give budgeting a try: Make a monthly 50/30/20 budget with this calculator from NerdWallet Check out this zero-based budget guide from Best Wallet Hacks Watch an example of the cash envelope method on TikTok Take a look at Berna Anat’s new book, “Money Out Loud” Are you in an educational setting? Check out this listening guide and this worksheet. This podcast is presented in partnership with Greenlight: the money app for teens — with investing. For a limited time, our listeners can earn $10 when they sign up today for a Greenlight account at http://ww.greenlight.com/inclined.

In this discussion, Yaneli Espinal, a financial educator and author of Mind Your Money, shares her insights on common financial pitfalls. She emphasizes the importance of understanding lenders and suggests exploring credit unions for better borrowing options. Yaneli warns against the risks of co-signing loans and underscores the benefits of utilizing high-yield savings accounts. She also advises listeners on the merits of participating in workplace retirement plans and cautions against lifestyle inflation, emphasizing intentional budgeting to secure long-term wealth.

Yanely Espinal, a financial educator and author of "Mind Your Money," shares her expertise on managing student loan debt. She discusses the emotional and practical realities of student loan repayment, emphasizing the importance of financial literacy. Yanely offers smart strategies like loan consolidation, automatic payments, and understanding credit scores to tackle debt effectively. She also addresses the risks of using retirement funds for repayment and encourages proactive financial planning to achieve independence from student loans.

Asit Sharma, a Motley Fool analyst, shares insights on the escalating tech tensions between the U.S. and China, particularly how China's ban on Micron chips affects the global semiconductor landscape. He discusses Apple's strategic multibillion-dollar deal with Broadcom and the importance of diversifying supply chains. Yanely Espinal, author of 'Mind Your Money,' highlights the unique financial challenges faced by immigrant families, including retirement planning and the pitfalls of 'Buy Now Pay Later' services. Their conversation sheds light on crucial economic themes impacting diverse communities.