Things That Matter

Mother And Daughter Create Stock Market Workbook For Young Latino Kids

Financial literacy is an important part of creating a stable adult life. There are several ways to get there and one of the most abstract is stocks. Playing the stock market has become increasingly popular among Americans wanting to invest and make passing income. Thankfully, a Latina mother/daughter duo has a workbook to start teaching Latino kids early.

Linda Garcia and her daughter Elizabeth Ruiz created a stock market workbook for the little ones.

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My daughter had an idea to turn my beginners stock market course into a children’s workbook 💚 This idea was born from an intention to normalize the stock market in our communities and begin our journey towards building generational wealth. This book is a potent little tool that will empower and introduce your children to investing! I am so proud of you @la.loma_ for what I believe to be a genius idea! I want to also acknowledge my students in the very first course I taught who asked for children’s resources. Elizabeth was in this class and sought out a solution to a need in our community that has not been met until today! Follow @growwithcolor 🌈 You can order your copy now on my daughter’s small business store or on Amazon. Link in bio!

A post shared by Linda García (@luzwarrior) on

The mother/daughter team came together to create an easy-to-understand workbook to breakdown the stock market to children. The workbook is a perfect release in the time of Covid. It is giving young Latinos a chance to start thinking about finances and how to protect themselves from economic woes in the future.

Ruiz and Garcia want the workbook to start a trend of generational wealth.

In an interview with WFAA, Garcia admits that she had to learn how to better handle her money as an adult. She explained that she spent her money with little foresight and it was a coworker of hers that convinced her to take her paycheck more seriously.

“I feel like it was divine, almost as if he was an angel,” Garcia told WFAA. “He would come to my desk every single day, and he would show me his portfolio, he would show me his gains, and he would ask me, ‘Have you started investing?’ I was terrified.”

Ruiz and Garcia understand that this kind of early exposure to finances can help shape habits.

“Learning about the stock market is truly like learning a new language,” Ruiz told Brit+Co.

A lot of people in our community have watched parents struggle with finances and, in turn, we know very little. Ruiz and Garcia want to make sure that this workbook creates more than just enough change for one generation. Instead, the mother/daughter duo want to create a last change that is passed down from generation to generation.

It is time to end the scarcity mentality we hold around money to create lasting change.

“As long as we are American Citizens or Dreamers with an ITIN, we can open a brokerage account to begin buying and selling shares,” Garcia told Brit+Co. “And when it comes to building generational wealth, it’s far from handing over what you built in your lifetime. The real purpose is to find a way for the wealth to continue to grow and thrive for generations to come.”

READ: We Asked People About Retirement Savings And The Answers Will Shock You

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They Made Fun Of Her Accent During A Zoom Meeting But This Latina Councilwoman Clapped Back With Pride


They Made Fun Of Her Accent During A Zoom Meeting But This Latina Councilwoman Clapped Back With Pride

Cheryl Diaz Meyer / Getty Images

Have you ever not spoken up out of fear for how people might judge your accent? Or maybe you’ve heard racial comments about how your abuelos or your tías speak?

Well, one Latina councilwoman knows exactly how so many of us feel after having experienced racist comments during a Zoom meeting on racial injustice amid her community’s COVID-19 vaccine rollout. But instead of remaining silent, she is urging anyone with an accent, especially Latinos in her community, to speak up and wear it with pride.

A chat about racism led to racist comments about Navarro’s accent.

A Maryland county was hosting a virtual meeting the racial disparities taking place amid the COVID-19 vaccine rollout, when two people giggled and mocked the accent of the county’s only Latina councilmembers.

During the, Nancy Navarro, a member of the Montgomery County Council, spoke passionately about the county’s coronavirus vaccine rollout, which she said is failing people of color. According to CDC data, Maryland ranks near the bottom when it comes to getting vaccines in people’s arms.

“For me personally, I’ve always had this interesting dilemma in my years of public service, which has been this bizarre disconnect in terms of who we are in Montgomery County,” Navarro, the first Latina and the only woman serving on the council, said. “We’re still perceived as a totally, we’re like some other hologram of a county that doesn’t look anything like who we actually are.” 

As Navarro spoke, there was some chatter and laughter in the background — two people who apparently thought they were muted were talking about Navarro’s accent. 

“I love how her accent comes out and pronounces words like she thinks they’re pronounced,” one person said, specifically calling out the way Navarro pronounced the words “represent” and “hologram.”

Navarro spoke up and urged anyone with an accent to wear it with pride.

Navarro wasn’t aware that the incident had happened until two staff members notified her of that the employees had said in the background.

“What happened to me on Tuesday was not an isolated incident, it fits a pattern of microaggressions and racist acts that wittingly and unwittingly make the workplace, and by extension, our community spaces hostile spaces for people of color,” Navarro told CBS News.

“Make no mistake, these dysfunctions are deeply ingrained in our county and in our country, racism has become a public health crisis,” Navarro added. “What hurt was that these employees are part of our team, charged with working daily with a diverse team of Council members and staff on initiatives that require a sensitivity to and respect for racial and ethnic differences.”

Since the incident happened, Navarro is urging Latino immigrants with a Spanish accent to “wear it with pride and keep moving forward.”

Navarro’s story is one that so many of us can relate to.

Like so many of us, our friends, and our family, Navarro’s story is one that is widely reflected in our community. She was born in Venezuela but came to the U.S. with her family when she was 10. Her family eventually returned to Venezuela but Navarro came back to the U.S. for college and moved to Maryland with her husband, where they’ve lived since the 1990s. Her story is 100% American.

Navarro hopes that this incident will drive people to consider the impact of their words and actions. And, ultimately, she hopes the council will strengthen its efforts to hire a staff that reflects the diversity in its community.

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FIERCE ‘Money Moves’ Talks Stocks And What To Do With Them


FIERCE ‘Money Moves’ Talks Stocks And What To Do With Them

Fierce by mitú

Money is a hard thing to talk about. It is a taboo topic that we have been trained not to address but that only hurts us in the long run. FIERCE Money Moves is talking with Latinas to get all of the information you want to know about growing your wealth.

Linda Garcia is here to teach you about stocks.

Garcia is the found of In Luz We Trust. The organization is dedicated to helping heal the generational wealth gap within our community. She approaches the work from a unique spiritual angle after years as a tv and movie executive. Garcia is a wealth of knowledge when it comes to stocks and growing your wealth for years to come.

In Luz We Trust is here to give you the tips you need to grow that wealth.

Garcia sat down with Sam to walk us through the process of getting stocks, growing wealth, and how to safely navigate that world.

Sam: “Could you explain the difference between a stock versus a mutual fund and an ETF and what those things do?”

Linda Garcia: “An ETF or a mutual fund, I want you to look at that like a basket of stocks. I do invest in one specific ETF but I’m not focused on ETFs myself. I am solely a stock picker. That’s my focus. That is what has given me the most growth. There’s a really big opportunity when you’re investing in individual stocks, which is something that I specialize in. But the ETF format is like a basket.

“It keeps your money much more diversified. It’s a less stressful, safer investment for those who don’t have a risk tolerance or a risk tolerance developed. Someone that’s maybe newer into the market might feel a little safer with an ETF. I really like to unfold what the market is and what stock picking is and the potential growth that can take place. The $7,000 total that I took month by month, I would have never been able to grow that with an ETF or a mutual fund. That’s a growth that can only take place with stock picking. Understanding the stock market.

“It can feel overwhelming. The way that I like to explain stocks is to imagine a molcajete dominiguero, a swap meet, a trader’s village. Just very simple. Imagine walking into a market and there are all tables, there are all of these business owners that have their businesses out there and you can literally just walk in and start purchasing a piece of that company and becoming part owner in it.”

S: “What would you recommend for somebody who is ready to get started?”

LG: “The first thing you have to do is open a brokerage account. We can’t get away from that. I highly recommend that you do a little bit of research on brokerage accounts. I do feel that there are some out there that we do have to be pretty cautious of. There are newer brokerage accounts that we should definitely be mindful of. I would like to advise someone to go with a well-established company.

“So, you open up your brokerage account and then you become a stock picker. I don’t want to overcomplicate this because it should never be complicated. being a stock picker to me is sit in your living room and talk to me about the electronics that you use. Go to your kitchen and look under your sink cabinet and tell me about the products that are there. Are you using Clorox? Open your spice cabinet. Are you using Lawry’s? What phone are you using? Are you using Apple?

“I don’t think that it needs to be a company that you’ve never heard of. I think it’s really important for us to start with the companies that we’re actually utilizing because being the consumer of the company already takes a lot of the research off of the table. We know the product. We know why we love the product. We know why our tea loves the product. We know why our best friend loves the product. That’s already a big portion of the research.”

Watch the rest of the interview below and take notes to grow that wealth.

READ: Investing Latina’s CEO Is Here To Tell You The Best Ways To Save You Money

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