You would not give your car keys to your child if they didn’t know how to drive, however, we send our college students out into the world without any financial knowledge.
My workshop is Money S.M.A.R.T.S
S  – Saving on things you use every day
M  – Making things happen on your terms
A  – Avoid bad debt
R  – Residual income
T  – Transformation
S  – Saving for a wealthy life
I published Money Boot Camp, financial literacy available on Amazon.


Chella is a mom, radio show host, author, speaker and consultant. She shows entrepreneurs how to protect their assets and have a tax fee retirement plan. She facilitates workshops for high school, college students and women. One of her greatest strengths is showing people ways they can save money so that they always have money to do the things that are important.

She believes is does not matter how much money you many…what counts is how much you keep.

Chella’s fascination with how the wealthy handled their money began at an early age. She was inspired to begin saving at the age of nine and by the age of 17 purchased her first car and her first house at the age of 23. With over 20 years in the banking and finance industry, Chella witnessed the struggles and misinformation many people had regarding a basic understanding of money management. Now Chella is passionate about equipping people with skills that empower them to take control of their financial future.

Chella contributed a chapter “ Money Tips From The Baker’s Daughter” on the best-seller! Journeys To Success Women’s Edition

When Chella was 9 years old she would go to the Farmer’s market to get fruits and vegetables, she knew which vendors had the best quality products at the lowest price.

During her 20-year career she reviewed over 30,000 Real Estate applications. She saw a pattern on how the wealthy save their money  and the poor spend their money. The biggest difference was that the rich pay themselves first, pay bills  then use whatever is left for their “Wants.” The poor pay their bills; spend money on “Wants” and if there is any money left they save.

Myth – You need to have a lot of money to save, Chella recommends you start where you are and build. For example you start saving $10.00 a month in a couple of months maybe you can increase to $20.00 then in a few more months you can increase the amount to $30.00 you get the picture. That is the best way to get started. Have a goal for your money. How much do you want to save and what is the purpose.

Chella’s radio show Women’s Wealthy, where they talk about all things money is a great resource to your money, credit card, credit score questions. You can listen to the show on The Power Of

Chella is a life learner, she is constantly reading books and taking classes. Some of the classes she has taken are cooking, baking and dancing.

Growing up in a traditional Latino family, Chella was curios about different types of foods.

You are the boss the money is your employee…. how are you going to manage it.