Are you ready to be great with your money?
I make investing simple and accessible for everyone but especially women and communities of color, who have been overlooked and underserved in financial services. A former Wall Street attorney and CEO of fintech platform My Money My Future, my passion is making sure everyone has an opportunity to build wealth for their families and communities.
The biggest financial mistake most people make? Not investing enough.
Women of color cannot afford not to invest, we have to work 2x as hard to make our money grow..
- In a recent survey from Fidelity Investments, only 29 percent of women said they see themselves as investors. This needs to change.
- Women own 32 cents of wealth per dollar compared to men.
- The estimated lifetime earnings of a woman with a bachelor’s degree are just 60% of the estimated lifetime earnings of her male counterpart.
- The gender wage gap, especially for women of color, makes them less prosperous and less prepared for retirement.
- Black and Latino families, on average, have a Net Worth of 10 cents to every dollar of wealth held by a typical white family.
Investing doesn’t have to be complicated
This master class is focused on investing strategies for growing your FU Fund, not just retirement.
- This course will cut through financial jargon and provide actionable steps and simple guidance to start putting your money to work.
- No IG inspirational fluff or overly complex strategies--just straightforward information to help you understand investing strategies-- and make smart investment choices.
- No "get rich" schemes, but this course could make you rich.
At the end of this course, you will be a smart, savvy, and fierce investor!
💰 You will have a brokerage account, understand the fundamentals of investing and risk factors.
📈 You will understand how to choose & buy high performing stocks.
💵 How to choose ETF's and Index funds
💡 Understand portfolio diversification, margin trading, options, alternative assets and more.
Wether you are just getting started or you already own several investment accounts, this is for women like you who are ready and willing to take some risk and reap the rewards by maximizing your dinero.
Who should take this course:
- If you are obsessed with learning about finance (you follow all the personal finance bloggers) but don't consider yourself an expert, yet.
- You want a way to hack the money game and make money while you sleep.
- You are serious about managing your investments, having some skin in the game and understanding capital markets.
- You already have a 401K or retirement account and feel financially secure to invest in a brokerage account.
Who should NOT take this course:
- You are not interested in investing through a brokerage account. This course does not cover retirement accounts, although you could use some of the strategies within your retirement accounts.
- You are not interested in higher-risk investment strategies.
- You are already financially savvy or have access to an expert (work at a brokerage, or have a S/O, parent, sister, that works in finance).
What will be covered?
It's time to learn the rules of the money game. Understand the fundamentals of investing, the language of finance and strategies to grow your passive income. Become your own expert and stop being overwhelmed or confused about investing.
Lesson 1: Learn the rules of the game and get to know how to set up a personalized investment strategy.
- Different investing accounts and strategies and how they fit into your overall strategy (taxable v.s. non-taxable & robo-advisors).
- Understanding portfolio diversification.
- Understanding risk and volatility.
- Understanding capital gains.
Lesson 2: Learn the language of finance (bulls, bears, shorts, positions, beta, greeks); investing has it's own jargon and understanding it is half the game.
Lesson 3: The what, why, and how of your brokerage account.
- Types of trades (limit orders, day orders, after hours).
- Costs & fees
- Margin trading
- Fractional trading
Lesson 4: Diversifying your portfolio & picking stocks
- Understanding different asset classes
- How to use stock screeners
- Key financial ratios
- Technical analysis (overview)
- Reading a prospectus & understanding quarterly earnings
- Dividends (DRIP)
Lesson 5: Understanding ETF's and Index Funds
- What's underneath the hood of ETF's and Index Funds.
- Common mistakes and choosing the right ones.
Lesson 6: IPO's + SPACS
Lesson 7: Options Trading Fundamentals
- Put/Calls
Lesson 8: Alternative Investments Overview
- Crowdfunding + Angel Investing
- REITS
- Crypto + Forex
- Futures & Commodities
- Alt investments (art, sneakers, etc.)
+ Plus Resource Guides, Worksheets, and Tools
Your Instructor
Ramona Ortega is the CEO & Founder of My Money My Future and former Entrepreneur in Residence with Azlo, a BBVA backed small business banking platform.
Ortega is an influential thought leader, speaker, and expert in fintech and personal finance for millennials and champion of financial inclusion.
Ortega is a serial entrepreneur with over two decades of leadership in the public and private sectors. In 2016, Ortega founded My Money My Future (MMMF), a digital personal finance platform that helps millennials manage their money with confidence. MMMF is the first fin-tech platform to focus on the particular needs of a new diverse generation. The Money Made Simple is an online platform for underserved millennials and Gen X-ers. It helps users manage personal finances, set savings and investment goals and offers personalized money guidance.
Prior to leading My Money My Future, Ortega was a corporate attorney in New York where she worked on complex securities litigation. During law school she interned at the Asset Management Unit of the U.S. Securities and Exchange Commission where she focused on the implementation of Dodd-Frank and regulation of private funds and also worked with the U.S. Bankruptcy Court, S.D.N.Y. Prior to her law career, Ortega worked internationally advocating for economic human rights and was a delegate to several United Nations summits and authored numerous reports on issues of economic security, social policy and the law.
Ortega is an Angel investor and expert in equity crowdfunding and contributor to TechCrunch and Huffington Post on issues of law, tech and diversity. She is on several national advisory boards, including Village Capital and Latino Startup Alliance. Ortega has been featured in Forbes, CNN, TechCrunch, American Banker, Banking Innovation, NPR, Latina Magazine, Cosmopolitan Magazine and La Opinion.
Ortega has a B.A. from the University of California, Los Angeles and a J.D. from Fordham University School of Law.