Jefas Y Mamás is my brand-new podcast series, and I couldn’t be more excited to share it with you!
As a first-time mom and the creator of Yo Quiero Dinero® , I’m navigating the beautiful chaos of motherhood and entrepreneurship—and let me tell you, it’s a journey like no other.
This series is all about having real, unfiltered conversations on what it truly means to balance business, family, personal growth, and breaking generational cycles.
We’re tackling everything from mom guilt to building a strong support system and embracing work-life balance, because let’s be real—being a mompreneur isn’t easy, but we’re making it happen!
If you’re a jefa trying to figure out how to do it all on your own terms, this series is for you!
Episode 326 talks about building wealth as a breadwinning mom, featuring Nathalia Segoviano. Listen now!
Nathalia Segoviano is a proud Guatemalan immigrant, first-generation wealth builder, mother, and wife who turned financial struggle into a mission-driven movement. Her journey began when she paid off over $18,000 in credit card debt—all while being the primary breadwinner for her family.
In 2017, when her husband became a stay-at-home dad, Nathalia took full responsibility for her household’s finances. That pivotal shift led her to master budgeting, dive deep into financial literacy, and realize that building long-term wealth—including becoming a millionaire before retirement—was possible, even without a six-figure salary.
What started as a personal mission soon became a passion. Today, Nathalia empowers others—especially first-gen professionals and women of color—to take control of their money, build generational wealth, and reach financial freedom on their own terms.
You can follow Nathalia on Instagram.
In this episode, Nathalia gets real about her personal finance journey—from paying off over $18,000 in credit card debt to becoming the sole provider for her family when her husband became a stay-at-home dad. She opens up about how her upbringing shaped her early relationship with money, and how she had to rewire those beliefs to create a more secure financial future.
Nathalia shares the practical tools that helped her turn things around, including building a realistic budget, using sinking funds, and getting intentional with every dollar. She also talks about the emotional side of money—how we often use spending to cope, and why breaking that cycle is key to financial freedom.
Throughout the conversation, Nathalia reflects on shifting gender roles, raising financially literate kids, and navigating today’s economic challenges as a first-gen wealth builder. Her story is a powerful reminder that with the right mindset, support, and strategy, it’s possible to rewrite your financial future—no matter where you start.
Episode 326 Takeaways:
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Nathalia paid off over $18K in credit card debt through discipline and mindset shifts.
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She taught herself about money by diving into books, podcasts, and real-life trial and error.
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Growing up, the focus was all about earning—not saving or building wealth.
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When her husband became a stay-at-home dad, she stepped fully into the role of breadwinner.
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Learning how to budget was the game-changer that helped her take back control.
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Sinking funds became her go-to for planning ahead and avoiding surprise expenses.
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She opens up about how easy it is to use money as a coping mechanism—and how to break that habit.
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Changing your money mindset isn’t instant—it takes time, self-awareness, and patience.
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There’s no one-size-fits-all when it comes to budgeting. You have to find what works for you.
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Wanting to enjoy your money isn’t wrong—just make sure you’re being intentional with it.
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Spending to avoid dealing with deeper issues can create even more financial stress.
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Credit card rewards are great—but only if you’re disciplined enough to avoid falling into debt.
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Tracking your money is key to staying mindful and in control of your spending.
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Talking openly about money with your partner builds trust and alignment.
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Teaching your kids about money early gives them tools most of us never had.
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It’s okay to ask for help when you’re just getting started—no one figures this out alone.
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Be mindful of financial comparisons online—social media can warp your reality.
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Keeping your expenses low can give you more flexibility and peace of mind.
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Short-term sacrifices can set you up for long-term success.
Chapters:
- 00:00 – Introduction to Natalia’s Financial Journey
- 03:06 – The Impact of Upbringing on Financial Literacy
- 05:57 – Catalyst for Financial Literacy: Becoming the Breadwinner
- 08:54 – The Role of Budgeting in Financial Recovery
- 11:56 – Navigating Gender Roles in Parenting and Finances
- 15:05 – Using Money to Self-Medicate: A Common Struggle
- 17:48 – Reprogramming Your Relationship with Money
- 21:07 – Understanding Sinking Funds and Their Importance
- 23:55 – Finding Freedom in Financial Planning
- 26:41 – Understanding Spending and Mental Health
- 30:17 – Navigating Finances in a Single Income Household
- 36:21 – Starting Your Financial Journey
- 39:47 – Addressing the Doom Mentality in Financial Planning
- 41:34 – Teaching Financial Literacy to the Next Generation
- 44:30 – Overcoming Financial Challenges in a Changing Economy
- 50:43 – The Importance of Perspective in Financial Freedom
Nathalia’s story is a powerful reminder that financial freedom isn’t about perfection—it’s about progress, intention, and resilience.
From navigating debt to becoming the sole provider for her family, she proves that with the right mindset and tools, it’s possible to completely transform your relationship with money.
Whether you’re just starting your financial journey or looking for inspiration to keep going, her experience shows that lasting change begins with small, consistent steps and a willingness to rewrite the narrative you were given.
Watch the full interview on our YouTube channel! Subscribe here.
Loving episode 326? Leave us a review on Apple podcasts. Follow us on Instagram, Twitter, TikTok, LinkedIn, and YouTube!
Until next time, stay empowered, stay inspired and #StayPoderosa ✨
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