Investing Habits to Retire Early from a Trans Latinx Money Coach
Investing Habits to Retire Early from a Trans Latinx Money Coach
Most people think retiring early is about landing a high-paying job, finding the right stock, or getting lucky.
It isn’t.
It’s about building the right investing habits so your money starts doing the heavy lifting for you.
I’m a trans Latinx money coach, a former stockbroker, and someone who never made six figures. I spent years earning around $45K. And yet I’m already sitting on a six-figure net worth with the ability to travel, pet sit around the world, and work because I want to, not because I have to.
That didn’t happen because I was special.
It happened because I built simple, repeatable investing habits to retire early.
Habit #1: Max Out Your Roth IRA Every Year
The first investing move I make every single year is maxing out my Roth IRA.
Not at the end of the year.
Not when I “have extra.”
Right at the beginning.
Why? Because time in the market matters more than timing the market.
A Roth IRA lets you invest money you’ve already paid taxes on so that:
- It grows for decades
- You never pay taxes on the growth
- Every dollar can turn into tens or hundreds of thousands
This one habit alone creates more long-term wealth than most people’s entire savings strategy.
Habit #2: Invest Instead of Letting Money Sit
A lot of people think they’re “investing” because they put money into a Roth IRA.
They’re not.
They’re just moving money into an empty container.
You have to actually invest the money inside the account.
Leaving cash sitting in an IRA or brokerage account does nothing. Inflation quietly eats it. Growth never happens.
When you invest in low-cost funds that track the stock market, your money compounds year after year without you doing anything else.
That’s how wealth builds quietly in the background.
Habit #3: Choose Boring Over Sexy
I don’t chase trending stocks.
I don’t gamble on crypto.
I don’t scroll TikTok for investing advice.
I invest in boring, low-cost funds that track the stock market.
They don’t go viral.
They don’t give you dopamine hits.
They just work.
This is how you build real wealth without stress, spreadsheets, or anxiety.
Habit #4: Prioritize Tax-Advantaged Accounts First
Before you ever think about investing in a regular brokerage account, you should be filling up:
- Your Roth IRA
- Your 401(k) or Solo 401(k)
- Your Health Savings Account (if you have one)
These accounts exist because the government wants people to invest. They give you tax breaks to do it.
If you skip these and jump straight to a taxable investing account, you’re giving away free money.
Habit #5: Build Habits, Not Motivation
The reason I’m on track to retire early isn’t because I always made a lot of money.
It’s because I invested consistently.
Some years I invested more.
Some years I invested less.
But I never stopped.
That consistency is what compounds.
If you build the habit now, you’ll be ready when your income grows, when you get a windfall, or when your life changes.
Listen to the Full Episode
If this post resonated with you, listen to the full episode:
“The Simple Investing Habits That Let You Retire Early“
🎧Listen to episode 136 of the Unicorn Millionaire Podcast on Spotify here
🎧 Listen to episode 136 of the Unicorn Millionaire Podcast on Apple Podcasts here
Work With Charly 1:1
If you’re ready to maximize your savings and invest it, let’s work together.
We’ll get you on track to:
- Crush debt without shame
- Grow your cash in the right places
- Raise your credit score (see how my client raised her by 100 points in less than 6 months)
- Learn to sell stock without guilt
- Start building a six-figure retirement—even without a six-figure salary
Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset.
Investment: $6,000 or two payments of $3,100.
Six-Month 1:1 Coaching includes:
- Bi-weekly calls
- Daily messaging support
- A full curriculum on savings, debt payoff, credit, investing, and money mindset
- Investment: $6,000 or two payments of $3,100
Or, sign up for my Crush Debt, Retire Early Emails here.
Learn How to Invest Easily
If you loved this episode, make sure you’re subscribed to the Unicorn Millionaire Podcast and join my next class:
The 2026 Gay Agenda: Retirement Investing Made Simple
Happening January 20th (virtual + in person): RSVP HERE!
You’ll learn:
- where your money needs to go in 2026
- how to invest inside a Roth IRA + 401(k)
- how to prioritize investing even while paying off debt
- why your non-retirement account is your side hoe (and always will be)
About Charly
I’m Charly Stoever (@travelercharly) — a trans Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. I help LGBTQ+, BIPOC, and first-gen folks crush debt and build a six-figure retirement—even without a six-figure salary.
As a formerly undocumented Mexican American and ex-stockbroker who’s traveled solo to 39 countries, I now coach full-time while also international pet sitting.
If you’re ready to stop avoiding your finances and start using your money on purpose, work with me.
Get your coaching FAQs answered here, and book a call with Charly to get started with 6 month coaching here.