Love is beautiful. But love is not a financial plan.What happens when you&#39;re the breadwinner in your marriage? When your aging parents haven&#39;t saved enough for retirement? Or when protecting your financial future means having some pretty uncomfortable conversations with the people you love most?This week, I&#39;m joined by Jannese Torres, creator and host of Yo Quiero Dinero, author of Financially Lit, entrepreneur, and one of my favorite voices on women&#39;s financial independence.Jannese is no stranger to challenging traditional expectations around money and relationships. She&#39;s the breadwinner in her marriage, runs a real estate business with her husband, and is a passionate advocate for prenups and financial boundaries. She&#39;s also navigating something many of us in midlife can relate to: the growing realization that our parents may be counting on us for financial support.We get into the messy intersection of love, money, marriage, and family obligations, including Jannese&#39;s remarkable experience of getting divorced for just $500, thanks in part to financial protections she put in place.And we explore what it really means to build generational wealth. Spoiler: Sometimes the greatest financial gift you can give your children is making sure they&#39;ll never have to support you.In this episode, we discuss:<ul><li>Why love isn&#39;t enough: The financial conversations every couple should have, especially when one partner earns significantly more.</li><li>The case for prenups and postnups: How Jannese protected her investments and business during divorce, and why these agreements aren&#39;t just for the wealthy.</li><li>Being the female breadwinner: How to navigate traditional gender expectations and build an equitable partnership.</li><li>Working with your spouse: What Jannese learned about trust, money, and stepping back while investing in a house-flipping business with her husband.</li><li>When your parents have no retirement plan: How to set financial boundaries without abandoning the people you love.</li><li>Raising financially independent kids: Why funding your own retirement may be more important than paying for every dollar of your child&#39;s college education.</li><li>Redefining generational wealth: The lessons, examples, and financial confidence we pass down matter just as much as the money.</li></ul>A powerful takeaway from Jannese:"The most generous form of wealth that you can give your kid is a financially independent parent."More about Jannese TorresJannese is the founder of Yo Quiero Dinero, a personal finance platform dedicated to helping women build wealth and achieve financial independence. She&#39;s the author of Financially Lit and is working to bring a new financial empowerment conference to Puerto Rico in 2027, creating space for women, especially first-generation wealth builders, to have honest conversations about money and opportunity.Follow Janesse: IG @<a href="http://www.instagram.com/yoquierodineropodcast" rel="noopener noreferrer" target="_blank">yoquierodineropodcast</a> | <a href="https://yoquierodineropodcast.com" rel="noopener noreferrer" target="_blank">https://yoquierodineropodcast.com</a>Learn more about <a href="https://yoquierodineropodcast.com/diversifi/" rel="noopener noreferrer" target="_blank">her fundraiser for DiversiFI</a>, a financial freedom conference created for Latinas and Black, Indigenous, and other people of color, to Puerto Rico in fall 2027.******This episode of So Money includes a paid partnership with Google Workspace with Gemini. Farnoosh takes us behind the scenes of how an episode goes from an initial idea to a conversation ready for the mic. Get AI tools for work. Upgrade to Google Workspace with Gemini and try it free for 14 days at <a href=" https://goo.gle/workspacewithgemini" rel="noopener noreferrer" target="_blank">https://goo.gle/workspacewithgemini</a>.How&#39;s midlife going? <a href="https://www.jotform.com/build/262556781257063" rel="noopener noreferrer" target="_blank">Fill out Farnoosh&#39;s survey</a> and help shape the podcast in 2027.

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