Rudy | Your Money Amiga (@budgetconmigo)

I went from $0 to $67,000 in my (Spousal) Roth IRA in 6 years. And let me tell you a secret … I was scared! I opened my account 2 months after giving birth to my third son, only one income, and had no one in my family I could ask questions to. However, I knew it was a good decision and I trusted…

Want to give your kids a financial head start? The biggest advantage your child has isn't money...it's time! Small investments made early can have decades to grow with compound interest. Whether you're considering a custodial account, a Roth IRA for kids with earned income, or simply teaching them…

Giving your children a head start in life can do wonders! I invest less than $100 a month total for all 5 kids, and I don’t have to sacrifice much in order for them to have financial security when they’re older. In this specific video I am projecting when my 4 year old twins will hit the $100k…

UPDATE! After selling $23k of my VTI shares, here’s a look at what I currently hold in my Roth IRA and how I’m building my long term investment portfolio. My Roth IRA portfolio is very simple, and I’m still learning but investing is not perfect however I’m happy with where it’s at. My Roth IRA…

Here are my personal Roth IRA milestone projections, given my balance of close to $69k, using a 10% return, assuming I am no longer investing in it. The milestones I projected were $100k, $500k and $1M And it’s important to note that I started this Roth IRA 6 years ago, and was able to contribute…

I actually saved thousands on groceries over the years using this hack. This is my actual Pinterest board with about 50 meals/recipes. Groceries usually take a huge portion of the income across households, but I found that this helps reduce the spending. It’s simple, go on @pinterest and look up…

This is how I changed my finances in 6 years. And it doesn’t have to be 6 years for your situation. Being consistent can open so many doors for you. Being intentional with your money can be life changing. I had to change a lot of my bad money habits in order for things to not continue on…

Tuesday motivation & disclaimer 🚨 Inside my brokerage account I currently have 25 shares of NVDA. As of now it’s my most profitable asset, I bought before the split and have bought a few more since. Total balance is $6029 and profits are $2046. Not telling anyone what to invest in. I don’t…

Being the first in my family to have $100k invested in the stock market is something I’m very proud of. It also means a lot to me because I’m 33 and we’re a family of 7, and this gives me hope that my kids will have a blueprint on how to handle their finances and grow their wealth. A lot of…

Follow @budgetconmigo for more! I get this question almost everyday. So I put together a beginner friendly list for those of you that want to start investing in a Roth IRA, but don’t know how. I use Vanguard. However there are plenty of reputable ones, go with the one you feel most comfortable…

Growing my net worth was not a simple quick event, it took a lot of practice. I had to practice how to stay within budget, and practice intentionally saving money. It was new to me, so I was having a hard time understanding this new concept of delayed gratification. The more I did it, the closer…

Happy Friday!! Recently I have been investing more than usual into my brokerage account and I realized that I have more NVDA shares than anything else 😳 This is what my portfolio looks like right now. Highest balance is still VTI. HOLDINGS VOO- S&P 500 VTI- Total stock market VXUS- International…

We're all learning how to invest, so here are a few common Roth IRA mistakes I see or hear about and how to fix them. ✨Opening the account and not investing in it ✨Not understanding yearly contribution limits ✨Thinking the account itself is the investment ✨Withdrawing the money before retirement…

✨After morning drop off✨ If I hadn't taken the chance 6 years ago, my life would've looked completely different today. My husband was actually making way less money than he is today, but we were still able to build most of our wealth during that time. No handouts, just hard work and strategy…

It’s time to open a Roth IRA and take care of future you during retirement 🥳 #rothira #personalfinance #investingforbeginners #moneytok #financialfreedom

Come invest my 9 year olds birthday money with me! One of my sons got closer to $200 for his birthday and the rule is to spend half, invest half. I decided to invest $100 into VOO which is the S&P 500 inside his UTMA account. Once an adult, this account will be his and he will benefit from all of…

If you've wondered how to invest for and gift your children $10k at 18, here are two ways to do it. Option 1 is investing in a High yield savings account (linked in bio) which comes out to hypothetically $35.11/ mo given a 3% APY (very standard right now) and your child will end up with about…

I opened a Spousal Roth IRA at 27 with 3 kids and no job, and 6 years later this is how much I have invested! Here’s a glimpse of what I’ve learned about Roth IRA investing. I was not confident when I opened it but 6 years later I can say that staying consistent and letting compound growth do its…

PART 3 of investing $10k for 10k followers on instagram Today I'm investing the last $1,500 into VXUS which is an international ETF. Since my portfolio is simple I allocated the last $1500 into an international asset for diversification. Total breakdown of investments VTI $7,000 QQQM $1,500 VXUS…

Can a child have a Roth IRA? Yes, but there’s one main requirement. The child needs earned income and it would be a Custodial Roth IRA. A custodial Roth IRA can be a smart and powerful way to start investing for your child’s future. Qualified income would be something like ✨Being hired for a job…

Investing is a huge reason why my net worth keeps growing so let’s invest a bit more. This time I bought QQQM which tracks the nasdaq 100, very tech heavy and aggressive. Because of this I don’t want my portfolio to be too saturated with it but it serves a purpose. Let me know what you think…

One of the things I thought I didn’t need until I was way older is Term life insurance and here I explain in simple terms. Term life insurance provides financial protection for your loved ones if you pass away during the policy term. You choose a coverage amount and term length, such as 10, 20, or…

How much should you have in your Roth IRA by your age? Empower did a study in March 2026 and these are the median balances of Roth IRAs from ages 20-80. Remember that these numbers are the median balances therefore not financial goals you have to hit. Your Roth IRA balance will depend on when you…

In celebration of 10k followers ( On Instagram) I’m investing $10k into my brokerage account. I’m breaking up this video into 3 parts and this is part 1 where I’m investing $7,000 into VTI (Vanguards Total Stock Martket ETF) This happens to be the first etf I ever invested in. I think it’s a…

If you’re wondering whether you should put your money in a Roth IRA or a HYSA, the answer depends on what the money is for, but typically both are highly recommended because they serve different purposes. Comment SAVE for a list of HYSA’s sent to your DM OR click the link in my bio A HYSA (high…

No judgement here. If you don’t know what a Roth IRA is but have been curious, this is the video for you. A Roth IRA is an individual retirement account. (Roth comes from William Roth, one of the founders.) It’s a TYPE of account. NOT an investment. After you open the account, you have to…

One of the things you should do if you want to upgrade your finances is to have an emergency fund which is there to keep an unexpected expense from turning into debt. This money should be liquid (available) in a HYSA (comment save for list). Think of it like this, an unexpected car repair a…

My Roth IRA balances by age from 27-33. From 2020 when I first opened it till 2026. My first year I was not able to max it out but after that, I was. I was scared to even open the account, because it was new to me but I’m glad I continued investing in it because the growth has been life changing…

This is exactly how I'm able to max out my Roth IRA every year. It's not traditional but it works for my family and I. Prior to having a Roth IRA, we always spent our tax refund on whatever we wanted. Then I saw it as an opportunity to fund my future. As a stay at home mom I had no income and most…

It’s that time again where I share my monthly payment for my high yield savings account. I’ve had HYSA’s since 2019 when I started my financial literacy journey. Because we barely had any money, the payments weren’t large…but as you continue to save your money in them, the interest payments will…