

Rita Soledad Fernandez-Polino
Former public school math teacher and personal finance educator who used zero-based budgeting to pay off student loan debt, build retirement plans, and help others with financial literacy through coaching and podcasting.
Best podcasts with Rita Soledad Fernandez-Polino
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Dec 31, 2025 • 25min
LIVING NOT SO FABULOUSLY: How one mom paid off $23k in debt on a tight income
Rita Soledad Fernandez-Polino, a former public school math teacher turned personal finance educator, used zero-based budgeting to transform her finances. She discusses committing to pay off $23,000 on a tight income, practical budget tactics like $20 weekly eating-out limits, cutting wasteful expenses, shifting from debt to investment, and teaching kids financial resilience.


