Regardless of age or income, it’s possible to begin building a plan that aligns with your goals. What matters most is having a structure you can follow consistently. That’s where the Special K Plan comes in a simple framework to help you organize your savings and investment priorities based on your monthly capacity.

In many Latino families, we are the first generation to build meaningful wealth in the United States. That means we’re not just planning for ourselves, we’re setting the foundation for our children, and sometimes even supporting parents or relatives along the way.

Every market cycle brings a new wave of aspiring traders hoping to “beat the market.” Social media amplifies the excitement, showcasing quick wins and overnight success stories. But behind the highlight reels lies a very different reality, one that academic research has documented across multiple countries and market structures.

Most people don’t fail financially because of one big mistake. They fail because of a series of small, quiet missed opportunities that compound over time, in the wrong direction. Here are five of the most common ones I see, and how to avoid them.

Humans aren’t wired for long‑term financial planning, but we are wired for habits, systems, and identity. If I can help you to shift from “I need more willpower” to “I need better systems,” everything changes. Saving becomes easier. Investing becomes natural. And instant gratification loses its grip.

When it comes to building long-term wealth, two strategies dominate the conversation: owning rental properties and investing passively in diversified market portfolios (like index funds or ETFs). Both can be powerful, but they come with very different trade-offs.

Giving is more than writing a check, it’s about aligning your resources with your values and making sure your generosity goes as far as possible. When you combine purposeful giving with smart tax strategies, you create a win-win: meaningful support for the causes you love and financial efficiency for yourself.

When it comes to building financial security, two tools often get overlooked but can make all the difference: sinking funds and emergency funds. While they may sound similar, they serve very different purposes, and together, they form the backbone of a stress-free financial plan.

Every year from September 15 to October 15, the United States celebrates Latino Heritage Month, a time to honor the histories, cultures, and contributions of Americans whose ancestors came from Spain, Mexico, the Caribbean, and Central and South America.

As a business owner, your highest‑value activity is growing and improving your business, the thing only you can do.

To be, or not to be? Hamlet wrestled with existence. Today, many investors wrestle with a different question: To Roth, or not to Roth?

Economic momentum for the Latino community is real: entrepreneurship is rising, unemployment has fallen, and Latino net worth has been growing markedly in recent years.

As inflation increases, each unit of currency buys fewer items, which means your money loses purchasing power.

Investing is as much a psychological exercise as it is a numbers game.

Investing comes with risks, but one proven way to manage those risks is through diversification and smart asset allocation.