I see you, First-Gen Wealth Builder.
You’ve worked so hard and achieved so much. You were born scrappy, resourceful, and full of grit. You needed to be, to carve a path that would change the course of your life — one that looks different from those who came before you.
You know what it means to create and grasp opportunities around you. But that doesn’t mean it’s been easy.
You have had to navigate many systems on your own, feeling lost and confused because no one ever taught you how. The same applies to building wealth. You know you’re capable of doing it — but how?
There’s been sacrifice, and maybe you feel financially responsible not just for your own dreams, but those of the next generation, and the past one too. You might even be your parents’ retirement plan, or may want to pay them back somehow for everything they’ve given you.
Financial security isn’t a life you’ve known or a destination you’ve reached yet, and you're exhausted just thinking about yet another massive goal to achieve. Where do you even start?
Introducing
First-Gen Wealth Builders
The wealth accelerator that will get you unstuck and help you feel financially clear, capable, and confident so that you can get intentional with your money and make moves towards unlocking intergenerational freedom with money.
For the first-generation millennial women who want financial well-being without sacrificing their culture, family time, or values.
I see you, cycle breaker
Right now you’re trying to build financial security for yourself and your family, BUT…
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You don’t know if your budget is getting you to where you want to go
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You feel stress, shame, anxiety, or overwhelm when it comes to money
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You have a scarcity mindset and find it hard to circulate or invest money to get it actually working for you
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You’re unclear on what “enough” looks like
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You don’t know where to start or which investment strategies would suit you best
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You have an unhealthy relationship with money (fear, avoidance, self-sabotage, and unaligned spending)
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You are scared. No one is coming to save you, and you know it. It’s a lot of pressure.
You find yourself thinking:
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I’ve never been good with money or numbers, this is hard for me
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It’s too hard / risky, I’ll leave for it another year
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There’s so much advice out there, I don’t know whom I can trust
or believe -
I don’t have enough money to make money
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I don’t belong at the table of strategic money conversations — no one looks like me
There’s an easier way to achieve financial wellness in a way that feels good…
Intergenerational wealth building isn’t another thing to add to your To-do list. It’s THE thing.
I know you might think that following your budget and having some savings aside is enough.
But the problem with that?
No one has ever saved themselves to wealth.
You need an intentional, values-aligned wealth management strategy that helps you to define, create, and build wealth at an accelerated pace.
You need to learn the life skill of money mastery, upgrade your financial decision-making, and be the first in your family to become a self-made millionaire.
It’s time to make the best investment of your life - the one into yourself.
The First-Gen Wealth Builders Program is a transformational, high-touch 12-week private coaching experience that teaches you to curate your beliefs around money, craft value-aligned goals that fit your ideal life, and strategize to become your definition of wealthy.
You will learn exactly how to:
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Set money goals that matter to you, and grow the mindset that will take you there
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Become less anxious and more relentlessly confident in your financial decision-making
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Create a personalized financial strategy
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Build increased financial self-awareness and direction
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Tackle financial situations head on
This could be you
A financially abundant life is possible for you, you just haven’t got your game plan yet.
The First Gen Wealth Builders program will teach you how to confidently make your own financial decisions and secure your family’s financial well-being.
This coaching incubator will empower you to see incredible results, even if:
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you have never invested before
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you have not been able to keep a budget
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you are intimidated by all things finance
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you don't have a high-paying job
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you don’t have any role models in your family to turn to or any fat inheritance paychecks coming your way
This transformative coaching experience has been designed for you if you can relate to:
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Wanting to start healing your relationship with money and setting up a secure financial future for yourself and your family
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Feeling like you are paralyzed by the pressures and demands of financial expectations with no financial guidance or compass
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Never being fully at ease with money, viewing it as something hard / taboo / out of reach
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Having access to adequate finances but still feeling stuck, anxious, and uncertain on how to transform that into sustainable wealth
Just 3 months from now you’ll have:
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Clarity around how to begin, what is involved, and the tools & strategies needed to make confident investing decisions
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A deep understanding of money mindset and psychology that will empower you to make decisions on your terms - smart moves that marry your logical and emotional minds
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A personalized financial strategy that allows you to move into action NOW
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A gameplan to create more abundance in your life and finances in a way that feels good
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All your questions answered about the technicalities of money and an understanding of the options available to you
Most importantly, you’ll have inner peace.
You’ll know that you are on track to thrive financially, feeling proud of the moves you’re making and knowing that both your future and your family’s future is becoming more and more secure by the day.
Delivered over 4 powerful phases
Together, we will move through my signature Wealth Builders framework to ensure you get the most abundant results.
01
Money Mindset
Upgrade your money beliefs to have your subconscious mind work in your favor
03
Action Phase
Develop a strategy to make your vision a reality & take massive action with the support of an expert coach and sounding board
02
Values-Aligned Goal Setting
Design a values-driven life vision and reverse engineer the financial goals that will get you there
04
Wealth Building
Graduate from the program with a gameplan that allows you to scale, rinse & repeat towards your definition of wealth
Hey, I’m Karina!
I help First-Gen Wealth Builders who want to heal their relationship with money and build generational wealth for current, past, and future generations.
If you want to feel relentlessly confident in your financial wellness, I’m here for you. I want you to experience the abundance and security of enough.
I’m a first-gen Latina who has gone from hustling 80+ hours a week in one full-time job and two part-time jobs just to make ends meet (while still counting pennies!) to landing a six-figure remote job at a Fortune 500 tech company with more benefits than I know what to do with, and transforming my life forever.
However, I didn’t need this job to get started with wealth creation. I bought my first home at 23 without ever having previously earned more than $40K and have since grown a 6-figure net worth. In fact, in 2023 I made more money than I made from 2017 to 2021 combined.
Some days, I can’t believe that I went from years of living in survival mode, to living a life where I can truly THRIVE (and book my parents plane tickets to Perú just because)!
But I also know exactly how much intentionality it took to get me there.
With a Master's in Business Administration (with a 4.0 Grade Point Average, no less!), a degree in Psychology, and an obsession with researching both finance and psychology, I found my calling in wealth creation and became my friends’, and my friends of friends’, go-to person for anything related to building wealth, reaching their goals, and leveling up their life.
Since then, the people I’ve coached have crushed their debt and become debt-free, built the financial confidence to leave unhappy relationships, and even overcome homelessness - not just stopping at renting, but being on track to become a freaking HOMEOWNER!!
Coming from an immigrant family I saw my mom having to give up her graduate degree and career so we could move to the US. I saw my dad work hard at a job that did not pay him market value for his skills because he was terrified of losing his job and our family’s main income.
My parents worked hard to get me to a new playing field, but I had been taught the rules for a different game.
So I set out to learn new rules.
Changing my beliefs about money paid off.
Now, I am determined to help other first-generation wealth-builders heal your relationship with money so you can become your own definition of wealthy and have financial freedom.
Importantly, I help you live YOUR definition of wealth. Want more time to spend with your family? Check. Want to be able to travel the world on your own terms? Check. Want to retire your parents, or become work optional? You can transform your life into one where you can make that happen.
Here’s the thing.
You could keep bingeing the free content out there and trying to piece together a strategy that works. You could think that sticking to a budget is enough, or having money sitting in a savings account is a smart thing to do.
But this isn’t personalized to your unique situation, and we all know playing safe will only get you so far. Every day you’re not making moves, you are missing out on precious “time in-game” gains like compound interest or stock appreciation.
So you’re left with two choices.
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Continue feeling afraid, anxious, and overwhelmed in a safe but financially mediocre life
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Own your money shit, become your definition of wealthy, and unlock intergenerational freedom once and for all
I achieved a six-figure net worth from NOTHING and am on track to build the level of wealth that transcends just me. Now, I’m teaching you how to do the same.
After years of researching and coaching on psychology and finance, I’ve developed this system that will unlock financial confidence in record time.
What we do differently:
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We address the root cause of your financial behaviors
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We curate your financial strategy to your life, culture, family, values, circumstances
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We empower you to continue learning and feel confident advancing your financial knowledge
I’ve helped people from all walks of life to achieve financial confidence and security, are you next?
Questions?
I’ve got Answers.
Why do I need a Financial Psychology coach?
Because you deserve better. I mean it. Someone as amazing, and kind, and dedicated as you deserves to not be consistently feeling existential dread over something as mundane as money. It’s just a tool. A damn powerful one, but a tool nonetheless. The secret to that security and peace you keep longing for? Someone on your side, who not only has been there, and has done what you’re yearning for, but also has the degrees and the net worth to prove it.
Will this work for me if I’m bad with money e.g. I don’t follow a budget or actually look at my finances very often?
Of course it will. The reason you find this more difficult than it should be is because, at the end of the day, you haven’t been taught how. How to leverage your own psychology to your benefit. How to navigate the systems at play. How to be self-compassionate in your journey to wealth. How to move through the self-sabotage. You also have not been taught that you cannot hate yourself into positive change, and that white-knuckling your way through life is not sustainable. It’s time you take loving care of yourself for a change… don’t you think?
I’m in! When can I start?
ASAP! Once you sign up for coaching, you can schedule your first session within the next few days through our scheduling link.
I want to do this but my schedule is already jam-packed! What does the time commitment look like?
The program is designed to take 12 weeks to complete, with a time investment of approximately an hour a day, or 5-7 hours per week. Yes, it’s a big investment - but the opportunity cost of letting more time slip away counteracts any commitment you need to make to yourself to get this done.
Can my partner join the program with me? What about others in my household?
Personal finance very much becomes a group event when you share a household with others. We encourage everyone involved to be part of the program, and would love for you to email us at hello@hugskissesandwealth.com to inquire about our partner packages.
Does it matter where I’m located? What times are the calls?
Not at all! We have availability in different time zones, and if no times on the schedule work for you, send us an email at hello@hugskissesandwealth.com and we will set something up.
What if I don’t make a lot of money, should I still join?
At no point will I ask you to compromise your present well-being to be in this program. However, I will say that if you want a transformation of your financial life, a little bit of risk in the short term can be worth it for the long-term reward of knowing how to build your financial future.
What if I’m already making good money e.g. 6 figures+?
That’s amazing!! After we throw you a mini-virtual-dance party, we’ll be happy to welcome you into the program. The system taught in First Gen Wealth Builders is specifically designed to transform your psychology around money as well as your confidence in financial decision-making. So, if you are making the big bucks but still feel like you don’t know what you’re doing when it comes to making your money work for you or securing your financial future, then this program is perfect for you. This program will meet you where you’re at and grow you from there.
Do you offer refunds or guarantees? What if it’s not working out?
In the extremely rare event that you’re not progressing as expected, I’m a pretty reasonable kinda gal. If you can show me that you’ve done all of the work assigned to you to a reasonable standard, give me the chance to try something new, and it’s still just not working out? I will proportionally refund you as outlined in the terms & conditions.
It’s your time to stop letting money own you and show it who’s boss.
Let’s work together to make sure you have confidence in your own financial decisions, understand the financial systems at play, and have a plan you are comfortable with and excited about.