Most Latino families still aren’t in the market—only an estimated 28–38% own stocks vs ~70% of white families. In this Wealth Wednesday episode of the Latin Wealth Podcast, we break down a practical playbook to start investing with confidence: how to use fractional shares, choose simple index funds and ETFs, set short/mid/long-term goals, automate contributions, and avoid the emotional traps that derail beginners. We also cover 401(k) matches, emergency funds, and beginner-friendly brokerage options so you can take action today.What you’ll learnThe participation gap and why it matters for Latino wealth creationMyths we need to drop: “I need a lot of money” and “I must pick perfect stocks”Fractional shares and automated deposits that make starting simpleShort, mid, and long-term investing frameworks you can actually followWhy most beginners should skip day trading and optionsEasy entry: indices and ETFs like S&P 500 (VOO), Total Market (VTI), and QQQSmart habits: dollar-cost averaging, removing emotion, reading macro signalsSetup steps: bank account, brokerage, then consistent contributions401(k) matching as “free money” and how to combine it with a brokerage planFamily dynamics: how to align on goals and keep the plan sustainableChapters00:00 Intro and why Latino market participation matters00:30 Ownership stats and the wealth gap03:45 Myth busting and fractional shares07:17 Picking stocks vs picking sectors you know11:26 Why most beginners should avoid day trading12:59 Build short/mid/long-term plans16:14 Debt, emergency funds, and investing at the same time17:18 Setup: bank, brokerage, automate20:35 Using platform education and resources24:52 Remove emotion, watch macro and headlines30:00 Index funds and ETFs made simple33:18 Dollar-cost averaging35:16 Family conversations and next stepsResources mentionedFractional shares on beginner-friendly appsBroad ETFs: S&P 500 (VOO), Total Market (VTI), Nasdaq-100 (QQQ)Company 401(k) match basicsNews and macro: finance and policy headlines to watchDisclaimerThis is educational content, not financial advice. Do your own research and consider consulting a fiduciary.

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