{"id":5622,"date":"2026-01-27T14:25:00","date_gmt":"2026-01-27T19:25:00","guid":{"rendered":"https:\/\/louisbarajas.com\/?p=5622"},"modified":"2026-03-10T18:56:21","modified_gmt":"2026-03-10T22:56:21","slug":"5-errores-financieros-que-cometen-los-latinos-y-como-romper-el-ciclo-con-corazon","status":"publish","type":"post","link":"https:\/\/louisbarajas.com\/es\/5-money-mistakes-latinos-make-and-how-to-break-the-cycle-with-corazon\/","title":{"rendered":"5 errores financieros que cometen los latinos y c\u00f3mo romper el ciclo con Coraz\u00f3n\u00a0"},"content":{"rendered":"\t\t
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5 Money Mistakes Latinos Make\u2014and How to Break the Cycle with Coraz\u00f3n <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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We Have to Be Aware of Mistakes Before We Can Fix Them<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Many Latinos didn\u2019t grow up knowing the rules of money. In fact, many of us grew up distrusting financial institutions and thinking the stock market is \u201cgambling.\u201d\u00a0<\/span>\u00a0<\/span><\/p>

I\u2019ve worked with Latino families who are doing everything right\u2014or at least they\u2019re doing everything they <\/span>thought<\/span><\/i> was right. They work hard. They show up for family. They sacrifice so they can give their loved ones better lives. And yet, our community remains a main driver of economic growth for the economy, but not a driver of building wealth for ourselves and our families.\u00a0<\/span>\u00a0<\/span><\/p>

Don\u2019t get me wrong\u2014we’ve made some progress. In fact, as a community, we\u2019re building our wealth faster than any other demographic in the nation, according to the National Association of Hispanic Real Estate Professionals’ State of Hispanic Wealth Report. But the wealth gap between white and Latino families continues to be a problem.\u00a0<\/span>\u00a0<\/span><\/p>

And we continue to make mistakes that are rooted in fear, things we were taught were right, and simply not knowing the rules of the game.\u00a0<\/span>\u00a0<\/span><\/p>

For example, I once knew a couple in the early 1990s who got rid of their bank altogether and opted to store all their money in a \u201csafe\u201d place in their home and buy everything with cash. Obviously that kind of thing wouldn\u2019t fly these days, but that\u2019s just to illustrate the type of mindset with which some Latinos are approaching financial matters.\u00a0<\/span>\u00a0<\/span><\/p>

But to offer a ray of hope, know that we can learn how to leave behind harmful mindsets that cause us to make these five common money mistakes. But the first step to changing our habits is to be aware of them, so let me dive into the five most common mistakes I see Latinos make:\u00a0<\/span>\u00a0<\/span><\/p>

Mistake No. 1: Not Tracking Spending<\/span><\/b>\u00a0<\/span><\/h3>

One of the biggest challenges I see is that many people simply don\u2019t track their money. They don\u2019t have a clear plan, just a hope that everything will work out at the end of the month.\u00a0<\/span>\u00a0<\/span><\/p>

What ends up happening when you don\u2019t track your spending is you start overspending and living paycheck to paycheck\u2014even on a good income. As a result, you feel constant financial anxiety. Money becomes a source of stress and arguments instead of being the tool for building the life you want. The truth is simple: you can\u2019t grow what you don\u2019t measure. If you don\u2019t know where your money is going, it will always feel like it\u2019s disappearing.<\/span>\u00a0<\/span><\/p>

Mistake No. 2: Helping Everyone Else First and Putting Yourself Last<\/span><\/b>\u00a0<\/span><\/h3>

Another deeply rooted issue in our culture is putting everyone else first and ourselves last. This is huge in our community. We help parents, siblings, cousins, compadres\u2014family back home\u2014often without hesitation. And let me be clear: helping family is beautiful. It\u2019s part of who we are. But when you give without building your own foundation, the long-term cost is real. I\u2019ve seen it lead to resentment, burnout, and financial fragility. No emergency fund. No retirement. No margin for life\u2019s surprises. You can\u2019t pour from an empty cup, and taking care of yourself financially is not selfish\u2014it\u2019s responsible.<\/span>\u00a0<\/span><\/p>

Mistake No. 3: Staying Loyal to Debt\u00a0<\/span><\/b>\u00a0<\/span><\/h3>

I have a client in her 40s. When she was a little girl, she and her mom would go to the mall to buy clothes with her mom\u2019s JCPenney credit card.\u00a0<\/span>\u00a0<\/span><\/p>

\u201cPray that the card works, mija,\u201d she\u2019d tell her daughter. The card always worked, but the message my client received was that it was OK to buy things you didn\u2019t need on credit. Debt was OK. She absorbed that mindset and became somebody who had a fair amount of credit card debt.\u00a0<\/span>\u00a0<\/span><\/p>

As a community, we have a complicated relationship with debt. Many Latinos are scared of debt, refusing to use it and build the credit history that they need to build a solid credit score.\u00a0<\/span>\u00a0<\/span><\/p>

But then there are those people like my client\u2014people who normalize crippling debt as being just a part of life. <\/span>UnidosUS<\/span><\/a> found that Latinos are struggling with high debt burdens: car payments, credit cards, personal loans, and buy now, pay later programs. But doing so is expensive over time. Debt delays wealth for decades. It keeps your money flowing to banks instead of to building your wealth. You work hard, but you never quite get ahead. I always say this: debt is a thief.\u00a0<\/span>\u00a0<\/span><\/p>

Mistake No. 4: Avoiding Investing Because of Fear or Lack of Trust\u00a0<\/span><\/b>\u00a0<\/span><\/h3>

I also see a lot of fear around investing, and that fear didn\u2019t come out of nowhere. Many of our parents came from countries with unstable financial systems. Add to that the lack of awareness about how the financial system in this country works and the language barriers and it\u2019s a recipe for staying away from investing.\u00a0<\/span>\u00a0<\/span><\/p>

As a result, many of us grew up hearing that the stock market is gambling, that rich people always cheat, that investing isn\u2019t for people like us.\u00a0<\/span>\u00a0<\/span><\/p>

For example, in <\/span>FINRA Foundation\u2019s Investors of Color in the United States report<\/span><\/a>, one Hispanic male said, “We\u2019re first generation. Most families here are third, fourth, fifth generation, and they know the tricks. We don\u2019t know anything about [investing]. We know how to save our money in the bank, where you don\u2019t get anything back, as opposed to now learning about all these other ways of having your money work for you.\u201d<\/span>\u00a0<\/span><\/p>

One of my favorite things about doing this work is watching my clients learn all the ways their money can work for them, then become financial mentors to their loved ones and the next generation. I always say that saving is important, but investing is freedom, and without that freedom, money always feels tight, no matter how much you have.<\/span>\u00a0<\/span><\/p>

Mistake No. 5: Mixing Money and Family Without Boundaries\u00a0<\/span><\/b>\u00a0<\/span><\/h3>

Finally, one of the most painful patterns I\u2019ve seen over the years is mixing money with family without clear boundaries. This is where things can really fall apart.\u00a0<\/span>\u00a0<\/span><\/p>

Research from Abriendo Puertas\/Opening Doors (AP-OD) and UnidosUS<\/span><\/a> found that 37% to 42% of Latino families reported borrowing money from their family or friends to make ends meet.\u00a0<\/span>\u00a0<\/span><\/p>

And what I\u2019ve seen in my work is clients cosigning for loans, lending money without agreements, starting businesses with family members and no paperwork, or making financial decisions out of guilt.\u00a0<\/span>\u00a0<\/span><\/p>

I\u2019ve also seen when these situations destroy relationships, lead to lawsuits, and create bitterness that lasts for generations.\u00a0<\/span>\u00a0<\/span><\/p>

We need to learn how to respectfully set boundaries with family and protect our own ability to build wealth. Boundaries are love.\u00a0<\/span>\u00a0<\/span><\/p>

Let\u2019s Shift to Excellence<\/span><\/b>\u00a0<\/span><\/h3>

Pew Research Center<\/span><\/a> reported that as of October 2025, 63 percent of Hispanics say their financial situation is \u201cfair\u201d or \u201cpoor.\u201d Only 37 percent say their financial situation is in \u201cgood\u201d or \u201cexcellent\u201d shape.\u00a0<\/span>\u00a0<\/span><\/p>

Making these mistakes, or being part of that 63 percent of us who say their financial situation is fair or poor doesn\u2019t mean you\u2019re bad with money or that you can\u2019t change. I\u2019ve seen my clients go from feeling their situation isn\u2019t great to being in excellent financial shape. I know it\u2019s possible.\u00a0<\/span>\u00a0<\/span><\/p>

For many of us, nobody sat us down and taught us how to build wealth. But I think the tide is shifting in our community and we are starting to talk about money to the younger generations. I\u2019m feeling hopeful seeing young Latinos come into the financial planning profession and preaching the good gospel of good finances. But right now, we need to shift the cultural mindsets and beliefs that hinder us from building wealth. We need to make the shift so the next time Pew Research Center conducts that research, the numbers are flipped.\u00a0<\/span>\u00a0<\/span><\/p>

That\u2019s why I do this work. If this resonated with you, stay with me. <\/span>Follow me on TikTok<\/span><\/a>, where I\u2019m most active. Because my mission is to help my community build wealth\u2014with heart, with intention, and with <\/span>coraz\u00f3n<\/span><\/b>.<\/span>\u00a0<\/span><\/p>

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5 Money Mistakes Latinos Make\u2014and How to Break the Cycle with Coraz\u00f3n We Have to Be Aware of Mistakes Before We Can Fix Them Many Latinos didn\u2019t grow up knowing the rules of money. In fact, many of us grew up distrusting financial institutions and thinking the stock market is \u201cgambling.\u201d\u00a0\u00a0 I\u2019ve worked with Latino […]<\/p>\n","protected":false},"author":1,"featured_media":5624,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"disabled","ast-banner-title-visibility":"disabled","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"disabled","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[74,68,65,67],"tags":[70],"class_list":["post-5622","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-74","category-budgeting","category-financial-planning","category-spending","tag-how-to-avoid-money-mistakes"],"yoast_head":"\n5 Money Mistakes Latinos Make\u2014and How to Break the Cycle with Coraz\u00f3n\u00a0 - Louis Barajas<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/louisbarajas.com\/es\/5-errores-financieros-que-cometen-los-latinos-y-como-romper-el-ciclo-con-corazon\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Money Mistakes Latinos Make\u2014and How to Break the Cycle with Coraz\u00f3n\u00a0 - Louis Barajas\" \/>\n<meta property=\"og:description\" content=\"5 Money Mistakes Latinos Make\u2014and How to Break the Cycle with Coraz\u00f3n We Have to Be Aware of Mistakes Before We Can Fix Them Many Latinos didn\u2019t grow up knowing the rules of money. 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