The Final Episode

This week on Investies, Linda closes out the podcast with a final episode. With gratitude to all of our listeners, this is just goodbye for now. Produced by Cosmic Standard & Linda Garcia https://www.inluzwetrust.com/wealthwarriorbook Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.Linda interviews one of her best friends and collaborators, Ana Flores, of #WeAllGrow and the Her Wisdom Era podcast. They discuss career trajectories, navigating COVID, financial planning, and much, much more. Find Ana's podcast here: https://www.instagram.com/her.wisdomera/There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!Produced by Cosmic Standard & Linda Garciahttps://www.inluzwetrust.com/wealthwarriorbook Listen early and ad-free for $5/mo on Patreonhttps://www.patreon.com/Investies Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.During the summer of 2025, Linda recorded a live interview with Shannon Cohen, founder of Rockstar Woman Movement. In this episode, she and Shannon discuss her investing journey and attitude towards building and claiming wealth. Linda also answered several questions from audience members, about debt, when to start investing, investing with friends, and much, much more.There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!Produced by Cosmic Standard & Linda Garciahttps://www.inluzwetrust.com/wealthwarriorbook Listen early and ad-free for $5/mo on Patreonhttps://www.patreon.com/Investies Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.Linda speaks with Sandra Velasquez, founder of beauty brand Nopalera. They talk about limiting beliefs, money wounds, launching a business, raising capital, and much, much more. For more Nopalera, visit https://nopalera.co/Linda also gives a market update at the top of the episode.There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!Produced by Cosmic Standard & Linda Garciahttps://www.inluzwetrust.com/wealthwarriorbook Listen early and ad-free for $5/mo on Patreonhttps://www.patreon.com/Investies Learn more about your ad choices. Visit podcastchoices.com/adchoices

Two government reports came out last week — the PPI on Thursday and the CPI on Friday — and by Friday afternoon Wall Street had gone from "maybe" to "almost certainly" on the Federal Reserve raising interest rates this Wednesday. If you've ever heard "CPI" or "the Fed" on the news and nodded along without really knowing what it meant, this episode is your decoder ring. Linda breaks down what these two inflation thermometers actually measure (one is the menu price, the other is what the restaurant paid for ingredients), why gas prices are doing all the damage while rent is quietly cooling, and why the Fed's 2% target isn't zero. She goes line by line through what's actually up — fuel oil +52%, airline fares +23%, gas +27% — and what's quietly down (eggs –23%), and why a 3.4% "average" can feel like 15% if your life runs on gas, coffee, and flights. Then she goes back to the two times America has been here before — the oil-shock inflation of the 1970s that peaked at 14.8% and cost Paul Volcker a 20% interest rate to kill, and the 9.1% spike of 2022 that the Fed beat without a crash. Most importantly: what a quarter-point rate hike actually does to your savings account, your credit card, your mortgage, and your stocks — and why the market may barely blink at a decision everyone already expects. Listen early and ad-free for $5/mo on Patreonhttps://www.patreon.com/Investies Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.Linda coaches us on how to deal with our emotions as the market fluctuates.There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!Produced by Cosmic Standard & Linda Garciahttps://www.inluzwetrust.com/wealthwarriorbook Listen early and ad-free for $5/mo on Patreonhttps://www.patreon.com/Investies Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and founder of In Luz We Trust, is dedicated to empowering BIPOC and Latinx communities through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence, championing equity and representation for all, especially immigrants and marginalized communities. As a financial feminist, she encourages listeners—regardless of political affiliation, be it Republican or Democrat—to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping diverse communities build wealth and secure their place in today’s financial landscape. Linda unpacks capital gains–what they are, and how investors can use them to their advantage. She also discusses how investors use taxes on capital gains to their advantage. As you probably know already, folks who are farther along their financial journeys and have been investing for years are well aware of how to make capital gains work for them come tax season. That said–many of the wealthiest investors use capital gains as something akin to a tax loophole. As a part of her presidential campaign, Vice President Harris is proposing a tax policy aimed at the ultra wealthy, who have been exploiting capital gains for some time. This would also relieve the tax burden of the rest of us somewhat.  There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading! ⁠Here is the episode Linda mentioned regarding the ultra-wealthy.⁠ ⁠https://www.patreon.com/Investies⁠ ⁠https://www.inluzwetrust.com/wealthwarriorbook⁠ Produced by ⁠Cosmic Standard⁠ & ⁠In Luz We Trust Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and founder of In Luz We Trust, is dedicated to empowering BIPOC and Latinx communities through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence, championing equity and representation for all, especially immigrants and marginalized communities. As a financial feminist, she encourages listeners—regardless of political affiliation, be it Republican or Democrat—to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping diverse communities build wealth and secure their place in today’s financial landscape. We're featuring an episode from our archives. Linda discusses custodial accounts, and how transformative they can be. She speaks to the necessity of financial education for communities of color. There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading! Produced by Cosmic Standard & In Luz We Trust⁠ https://www.inluzwetrust.com/wealthwarriorbook⁠ Patreon ⁠https://www.patreon.com/Investies Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.Linda unpacks Trump Accounts--stock market accounts for newly born American citizens. We're taking advantage of rare good policy from the Trump administration to help our kids build their own wealth and increase their financial literacy. We did a lot of research for today's episode. Here are our sources + helpful links: Wealth warrior the course for purchase at wealthwarriorcourse.teachable.com Official Resources•  trumpaccounts.gov — Official portal & enrollment•  irs.gov/trumpaccounts — IRS guidance & Form 4547•  IRS Notice 2025-68 — Detailed regulatory guidanceKey Facts at a Glance•  Launch date: July 5, 2026•  Government seed: $1,000 (births 2025–2028)•  Annual contribution cap: $5,000 (indexed to inflation from 2028)•  Employer contribution cap: $2,500/year•  Investment: Low-cost U.S. equity index funds, 0.10% expense cap•  Withdrawals locked until age 18; then traditional IRA rules apply•  No earned income requirement; no income cap for contributorsSources Referenced•  Vanguard: “What to Know About the New Trump Accounts for Kids”•  Charles Schwab: “The Ins and Outs of the New Trump Kids’ Accounts”•  Fidelity: “What Are Trump Accounts and How Do You Open One?”•  J.P. Morgan / Chase: “Trump Accounts: Should You Open One for Your Child?”•  Center for Retirement Research at Boston College•  NBC News, Washington Post, PBS News HourThere are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!Produced by Cosmic Standard & Linda Garciahttps://www.inluzwetrust.com/wealthwarriorbook Listen early and ad-free for $5/mo on Patreonhttps://www.patreon.com/Investies Learn more about your ad choices. Visit podcastchoices.com/adchoices

Linda Garcia, Texas House Representative, author of Wealth Warrior: 8 Steps for Communities of Color to Conquer the Stock Market, and public speaker, is dedicated to empowering lower-income families and those without access to investing resources through financial literacy. Her podcast, Investies, tackles real-money topics, demystifies investing, and explores crucial areas like the stock market, money management, and the impact of interest rates on personal finances. Linda’s work advocates for financial independence and champions equity and representation for all. As a financial feminist, she encourages listeners to take control of their financial futures. Through her podcast and advocacy, Linda tackles the intersection of financial education, the economy, and geopolitics, helping lower-income communities build wealth and secure their place in today’s financial landscape.In this week's episode, Linda sits down with the founders of Tuyyo Foods, Regina Trillo, Stefanie Turner, and Jocelyn Ramirez. They discuss how the merger of their 3 companies has been a success, why their personalities work so well together, and a way to get involved in their work.There are so many ways to make the stock market work for you as you gain more experience as an investor. If you have questions about different kinds of investing, please reach out! You can find us on Patreon, and submit questions without getting a membership (but we appreciate it if you do decide to invest in our show!). We love speaking with our listeners. Happy investing and happy trading!Produced by Cosmic Standard & Linda Garciahttps://www.inluzwetrust.com/wealthwarriorbook Listen early and ad-free for $5/mo on Patreonhttps://www.patreon.com/Investies Learn more about your ad choices. Visit podcastchoices.com/adchoices