Dinero self-care isn’t just about tracking your spending or saving for the future. It’s about developing a relationship with your money that honors your wellness, your nervous system, and your long-term goals. But if you’ve ever felt overwhelmed just thinking about your finances, you’re not alone—and there’s a reason for that.

In this blog post, based on a recent episode of the Wealth Para Todos Podcast, I break down:

• What dinero self-care really means
• The 10 stages of financial security
• Why practicing dinero self-care can feel so hard
• How to build a weekly dinero self-care routine rooted in compassion and joy

Let’s dive in.

What Is Dinero Self-Care?

Dinero self-care is any action that supports smart financial decisions and encourages long-term financial security. That could look like checking your account balances once a week, reviewing your spending, opening a high-yield savings account, or finally understanding how your credit score works.

It’s a term I use intentionally, because money self-care isn’t just about budgeting—it’s about building wealth con tiempo, with gentleness, intention, and awareness.

Why Dinero Self-Care Feels So Hard

If dinero self-care feels overwhelming, there’s a reason. Actually, there are many reasons:

• Money avoidance rooted in trauma or childhood dynamics
• Shame around financial decisions and debt
• Internalized beliefs like “I’m bad with money” or “I’ll never retire”
• Cultural messaging that glorifies hustle and frugality
• Lack of financial education (less than half of U.S. high schools require personal finance!)

These emotional and systemic barriers don’t mean you’re bad with money. They mean you’re human in a society that hasn’t given you the tools—or the support—you deserve.

The 10 Stages of Financial Security

In Wealth Para Todos Academy, we use a 10-stage framework to help clients identify where they are and what actions to take next. Here’s a simplified version:

1. Covering all expenses (even if using debt)
2. Covering all expenses with income only
3. Adding a checking account buffer
4. Saving one month of income
5. Having sinking funds for upcoming expenses
6. Making extra payments toward high-interest debt
7. Investing at least 5% of your income toward retirement
8. Becoming debt-free while saving 3–6 months of income and investing 15%
9. Being 100% debt-free and investing enough to retire when you want
10. Remaining debt-free without working—you’re work-optional!

Every action that helps you move to the next stage is a form of dinero self-care.

What Dinero Self-Care Looks Like in Real Life

Examples of dinero self-care based on your stage of financial security might include:

• Stages 1–2: Knowing your income, expenses, and minimum debt payments
• Stages 3–5: Opening a high-yield savings account, defining your checking account buffer, creating a sinking fund plan
• Stages 6–7: Pulling your credit report, tracking debt, creating a debt payoff plan using the avalanche method, investing in an IRA or 401(k)
• Stages 8–9: Rebalancing your portfolio, knowing your expense ratios, building a fully funded emergency fund
• Stage 10: Maintaining financial independence and supporting others from a place of abundance

The key? Awareness + action. Even small steps count.

How to Build a Weekly Dinero Self-Care Routine

Start with just 15 minutes once a week. Pick a check-in day (mine is Friday!) and create a vibe: music, tea, a cozy space.

During your check-in:

• Review your numbers: balances, spending, upcoming bills
• Set one financial goal for the week
• Celebrate your wins—no matter how small
• Speak kindly to yourself—your inner critic doesn’t get to lead

You’re not supposed to do this alone. Ask a loved one to check in with you. Or join Wealth Para Todos Academy, where we check in with our finances every Wednesday. You can also apply to work with me 1:1 for personalized guidance.

Final Thoughts

Dinero self-care is powerful, and it’s possible.

Even if you’ve avoided money in the past.

Even if you feel behind.

Even if it feels like too much.

Start with one small step this week. Open a high-yield savings account. Review your credit card statement. Track your expenses for 3 days.

Remember:

Weekly dinero self-care doesn’t have to be overwhelming.

Financial security is built con tiempo, one step at a time.

And your wellness? It’s essential to the collective.

If this resonated with you, subscribe to the Wealth Para Todos Podcast, leave a review, and follow me on Instagram @WealthParaTodos.

Ready to take your dinero self-care to the next level? Apply for 1:1 coaching or join our academy.

Until next time, may your week be filled with lots of dinero self-care.