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Financial literacy is an important part of creating a stable adult life. There are several ways to get there and one of the most abstract is stocks. Playing the stock market has become increasingly popular among Americans wanting to invest and make passing income. Thankfully, a Latina mother/daughter duo has a workbook to start teaching Latino kids early.

Linda Garcia and her daughter Elizabeth Ruiz created a stock market workbook for the little ones.

The mother/daughter team came together to create an easy-to-understand workbook to breakdown the stock market to children. The workbook is a perfect release in the time of Covid. It is giving young Latinos a chance to start thinking about finances and how to protect themselves from economic woes in the future.

Ruiz and Garcia want the workbook to start a trend of generational wealth.

In an interview with WFAA, Garcia admits that she had to learn how to better handle her money as an adult. She explained that she spent her money with little foresight and it was a coworker of hers that convinced her to take her paycheck more seriously.

“I feel like it was divine, almost as if he was an angel,” Garcia told WFAA. “He would come to my desk every single day, and he would show me his portfolio, he would show me his gains, and he would ask me, ‘Have you started investing?’ I was terrified.”

Ruiz and Garcia understand that this kind of early exposure to finances can help shape habits.

“Learning about the stock market is truly like learning a new language,” Ruiz told Brit+Co.

A lot of people in our community have watched parents struggle with finances and, in turn, we know very little. Ruiz and Garcia want to make sure that this workbook creates more than just enough change for one generation. Instead, the mother/daughter duo want to create a last change that is passed down from generation to generation.

It is time to end the scarcity mentality we hold around money to create lasting change.

“As long as we are American Citizens or Dreamers with an ITIN, we can open a brokerage account to begin buying and selling shares,” Garcia told Brit+Co. “And when it comes to building generational wealth, it’s far from handing over what you built in your lifetime. The real purpose is to find a way for the wealth to continue to grow and thrive for generations to come.”

READ: We Asked People About Retirement Savings And The Answers Will Shock You

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Finding the best psychologist or mental health worker for you isn’t an easy feat.

For one, finding someone you feel you can trust enough to open up to about your insecurities and inner turmoils is hard enough but finding someone who is covered by your health insurance can be even more difficult. On top of that, factors like location and time often come into play. Women of color in particular face a certain type of challenge when it comes to mental health care. According to the American Psychological Association, just 5.3% of psychologists in the United Statesare Black. Eighty-three percent are white. This means finding a mental health provider who can connect with your personal experiences can be beyond difficult.

We asked our users on Fierce for mental health provider tips and received some pretty inciteful answers.

Check them out below!

“Ask about sliding scales (cost based on income), check with insurance provider, apply for government-funded health care benefits, seek support from your child’s school—can refer you to a provider, college students can ask about on-campus services, workplace can also direct you to resources. Being resourceful is so important especially when it comes to our well-being. Hope this helps.” –karinalizlu

“Just started BetterHelp and they offer financial assistance. Got matched with the first therapist that I actually like after 10 years of trying. Highly recommend!”-marilynscarlet

“Ask your HR department if they have an Employment Assistance Program. If they do it means that the employer covers a certain amount of sessions with a therapist, counselor, psychologist, etc. which means you pay nothing for those first few sessions. Some EAP’s also cover the first meeting with financial advisors, lawyers & a bunch of other things!”- dee_anes

“I agree! So many times I’ve needed therapy but I couldn’t afford it. I’ve had to use what I got.” –ladinesphotographypage

“TherapyForBlackGirls.com has a great directory for BIPOC and POC!”-eileen.the.machine

“BetterHelp and SimplePractice are remote licensed therapist that offer sliding scale as low as $75 a session.”-rocio_rami5
“Some insurances are covering copays on sessions because of the pandemic! Check with your insurance!”- b_diaz990

“If your insurance includes Teledoc, each therapy session is $5 out of pocket. Yes it’s virtual, but everything else is right now! I truly appreciate my therapist and I’m grateful it’s not $40 a session like it used to be.”- livsimplyfl

“BetterHelp offers financial assistance.” –yessikahwamiwez

“Substance Abuse and Mental Health Services Administration (SAMHSA) is a good nationwide starting point: https://www.samhsa.gov.” – karinalizlu

“Check healingconnections-Therapy.com/blog. I’m a therapist and wrote a post on the accessibility of therapy. There’s therapy for every price point!” – gyera19

“Yes!!! 1000%. Many community colleges and universities have resources as part of student services. You can start there if you’re a student. Or reach out to a local therapist and ask if they know of local low cost options.” –runeatrepeat

“Federally qualified health care centers many times they offer counseling on a sliding fee scale!” –amor805

“If in Cali: reach out to Department of Mental Health. (DMH). If your child is under the age of 15 they can provide respite services. This is to help get a diagnosis or help families who have a child with a diagnosis.”- 143kimberly

“Hello! I am a graduate counseling student about to have my M.Ed in professional mental health counseling. Some long time friends and I have started a small business, and we’d love you to follow us along on our journey as well!” –mindful_resolutions4u

“We are Mindful Resolutions, a holistic wellness company that creates affordable courses based on the 8 dimensional model of wellness! Our goal is to bring wellness/mental health education and coping skills to people who wouldn’t normally be able to access or afford therapy, or for those who want an additional resource. A course is only $49.99 compared to $80 or more for an average therapy session!”- Mindful Resolutions

“Open season is coming up! Time to review your healthcare costs and make sure your insurance meets your needs. If there are barriers to preventing you from affording health insurance, check out state or local Medicaid and ACÁ options.” –brittsticks

“@openpathpsychotherapy has sessions from $30-$60 and a wide selection of therapists that you can select based on their intersections (race, gender, etc) and what they specialize in.” –gangstahippie04


“@backtalkservices has been a great resource for providing BIPOC LGBTQ folx with therapy.”- tytanjames

“@openpathpsychotherapy one time membership fee then you can see a therapist for less than $60 a session. However much you and the therapist agree to. Highly recommend!” –mssantoyo

“Check out Therapists on @openpathpsychotherapy1w.” –therapy.girl

“For essential workers in California, therapy is being provided for free through www.covid19counselingca.com. @latinxtherapy is offering free therapy to farm workers and janitorial workers currently working in hospital settings anywhere in the US. And finally, for all others, @openpathpsychotherapy offers low cost therapy throughout the US.” –julimuli246

“@contigo_wellness Nonprofit created to help make therapy more accessible!” –angelrod8032

“@fiercebymitu we host free virtual Pranic Healing nights every Tuesday from 7:30pm to 10pm. The participant will enjoy twenty five minutes of energy healing focused on reducing stress, anxiety and tension. Please dm me for more info.”-marcelaarrietaofficial

“@marinalcsw if you have any recommendations.”- leeladm

“@therapyforlatinx has an incredible database of therapists!”- diosa_yesi

“Free therapy for undocumented youth through @immigrantsrising1w.” –yessbianca

“Affordable mental health care is important, but what about the wait times? My mother tried to get therapy but had to wait 6months before getting a session. This was BEFORE the pandemic. When affordable is important, so is wait time.”- hannibelle_

“@fiercebymitu Cannabis can be used to check in and get a mental break. @calibueno.co we bring clean cannabis to diverse communities in the SF Bays area.” –calibueno.co

“If you’re in austin, tx there is sliding scale therapy and psychiatric care they austin Travis county integral care.” –ernipie

“National Sexual Assault/Domestic Violence Hotlines like 1-800-656-4673 (HOPE) can connect Survivors with local centers that offer many services—some include therapists and psychiatrists for medication, as well.” –godwasawoman

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