Yliana Guzman

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Yliana Guzman 🍒 for the emerging affluent
ex blackstone. full-time outlier. NYC. more money + access. better-resourced kids. a full life ↓

One paycheck is one point of failure.USA Today asked me how the American Dream is changing for workers. My answer: it’s ...
03/10/2026

One paycheck is one point of failure.

USA Today asked me how the American Dream is changing for workers. My answer: it’s not a ladder anymore. It’s a stack.

The old plan was one job, one title, one direct deposit, and hope it holds. But layoffs land on a Tuesday Zoom call. Childcare costs as much as a mortgage. Groceries cost what rent used to. Loyalty to one income stream isn’t stability anymore. It’s risk.

I’ve spent years building my own businesses as well as working side by side with leaders at like Goldman, Blackstone and top agencies. One thing has never became clearer: the people with security don’t depend on just source of income. They build several.

That’s what a portfolio career is. It isn’t grinding on side hustles at midnight. It means taking the skills you already have and getting paid for them in more than one place. You add income to your bottom line without blowing up your life.

This is how millennial parents build options for themselves and their kids.

đź“° The full article is linked in my bio.
💌 Join my email list to get first access to The Income Stack, where I’ll show you how to build your own portfolio career and how easy it can be to add income to what you’re already earning.

More money. More options. Let’s build. 🔗



Alena Conley

“Mommy, Japan was so clean. Not like Paris, Paris is stinky.”My daughter said this a few days after getting back from he...
17/09/2026

“Mommy, Japan was so clean. Not like Paris, Paris is stinky.”

My daughter said this a few days after getting back from her t trip to Tokyo for her 9th birthday. I laughed, then asked myself: is that spoiled talking, or exposed?

IMO, a spoiled kid gets things handed to them with no context, no sense of what it took, or what else exists. An exposed kid has seen enough to have a real basis for comparison. My daughter isn’t spoiled because she’s traveled. She’s exposed because she now has lived reference points. She knows cities can smell different, run differently, work differently. That’s not entitlement. That’s data.

And that data is what keeps a kid from ever feeling stuck.

Kids who only know their four blocks absorb an invisible ceiling without anyone handing it to them on purpose. What’s possible gets shaped by what’s around them.

A kid from Brooklyn who’s stood in a train station on the Tokyo carries a different kind of knowledge for life: this isn’t the only way to live, and where I’m from isn’t the only place things happen. That’s mindset framing.

Child development experts point to early cross-cultural exposure as one of the strongest predictors of cognitive flexibility, empathy, and adaptability later in life. It’s not the sights that change a kid. It’s the friction, realizing the rules are different here, and adjusting.

This is Raising Rich in its truest form. Not stuff. Not status. Exposure. The kind that makes the world feel available to her, not something happening to other people, somewhere else.

As sacrificial as travel can be for a lot of parents, it can be the ultimate gift to a child.

Spoiled or exposed? I’ll take exposed, every time. 🎌

PS: this was a daddy-daughter trip. The ex-helicopter mom in me would’ve protested years ago. But healthy co-parenting means trusting the other side enough to let their version of parenting exist, even when it sometimes doesn’t mirror your own. Two homes, one heart. More on in this in a different post!

16/09/2026

Serving face and finances with Chime 💸💚

There has never been more urgency to make more money. Chime gets it!

Not because we need more things. Because in this economy, more income means more options. đź’¸

That’s a big part of the conversation inside Chime’s Millennial Issue, and one of the reasons seeing myself on the cover of this creator feature felt so surreal. Chime

For years, I’ve talked about what’s now called a Portfolio Career: creating multiple streams of income so we’re not relying on one paycheck, one employer, or one traditional career path to fund the life we want.

But personal finance, for me, has never just been about making more money. đź’µ

-It’s about creating options.
Building a strong financial foundation.
Managing our money well.
Building wealth.
And raising our children with intention.

And this is where Raising Rich comes in.

Last summer, almost 500 families joined my first Raising Rich Challenge, where I taught families how simple it can be to open and fund an investment account for their child.

Investing just $50/month for 18 years, averaging a 9% annual return, will grow to roughly $1.8M by age 65, without another contribution after 18.*

Across almost 500 families, that’s almost $1 billion in potential future wealth.

One small habit.
One generation.
A completely different starting point for the next.

That’s what closing the wealth gap means to me.

And it’s why I’m so grateful to Chime for highlighting this conversation. They understand that millennials are navigating money, work, and financial progress differently, and that our strategies need to evolve with us. 💚

If you’re ready to build your own Portfolio Career or if you’re raising little people and want to start building wealth alongside them inside of my free Raising Rich Challenge, join my email list.

Because lifting as I climb has always been part of the plan. Chime gets it đź’š

*Illustration assumes $50 monthly contributions for 18 years and a historical 9% average annual return with monthly compounding. Returns aren’t guaranteed and actual results will vary.*

Portugal, part I 🇵🇹We started our week in Portugal in the Douro Valley, tucked away in w**e country surrounded by rollin...
06/09/2026

Portugal, part I 🇵🇹

We started our week in Portugal in the Douro Valley, tucked away in w**e country surrounded by rolling vineyards.

For the first few days, there was nowhere we needed to be. No schedule. No agenda. No kids. 🤭

Just long walks through the vineyards, slow mornings, good w**e, beautiful views, and time to simply be.

A little time away from clients, work, and all the usual life-moving pieces, just before the back-to-school ramp-up, felt pretty incredible.

A few days to slow down before the week turned into the marathon of celebrations we came to Portugal for.

Douro Valley was everything. 💜🍷🌿

Torel Quinta da Vacaria - Douro Valley

Happy 9th Birthday to my Princess 👑💗🙏🏽🇯🇵Rich in life because this is my child. Kind, curious, empathetic, confident, int...
29/08/2026

Happy 9th Birthday to my Princess 👑💗🙏🏽🇯🇵

Rich in life because this is my child. Kind, curious, empathetic, confident, intelligent, and brave.

Something about this past year feels like we’ve taken a quantum leap through time. We’ve gone from 8 to 13 in maturity and awareness. Savoring this last single-digit year because our girl is growing up way too fast.

All of my love and gratitude to our families and friends who have played, and continue to play, such a huge part in the world we are creating for Adrienne.

A very happy and grateful mama. 🙏🏽💗

Five soft skills. One Sephora trip. A $30 budget.The adult who never speaks up in meetings.The one who avoids networking...
03/08/2026

Five soft skills. One Sephora trip. A $30 budget.

The adult who never speaks up in meetings.
The one who avoids networking.
The one who accepts the first salary offer.
The one who can’t handle hearing “no” without throwing an adult tantrum.

Those behaviors don’t start in adulthood.

They’re practiced, or not practiced, in childhood.

So our Sephora trip wasn’t really about lip gloss.

It was about introducing herself with confidence, asking someone’s name with respect, making eye contact, making decisions, respecting a budget, handling disappointment, and learning how to advocate for herself.

Because today’s Beauty Advisor becomes tomorrow’s hiring manager.

The world is full of classrooms. We just have to start treating everyday moments like one.

Save this for your next outing with your kids. You might be teaching a lot more than what’s in the shopping bag.

29/07/2026

This school is free. The test is public. The results still look like segregation. Who’s to blame?

School enrollment data is rolling in and Stuyvesant High School, the top public high school in New York enrolled 777 students this year. Of those:

3 Black
21 Hispanic
523 Asian

There’s no tuition here. No legacy admissions, no board seat that gets your kid in. It’s 100% merit-based, decided by a single exam: the SHSAT. A brutal, competitive, and completely public exam for enrollment into our 3 specialized high schools.

I usually talk about privilege from the independent school lens because my daughter attends one of the indy $70K/yr schools in the city.

This is different.

Most of these Asian students aren’t coming from wealth. Many live in Queens, from working-class immigrant families.

What they have isn’t money. It’s preparation, three to five years of it, often starting in elementary school, built around one goal: passing a test that can change the entire trajectory of a child’s life.

So this isn’t a conversation about the privilege of wealth.

It’s a conversation about the privilege of preparation.

This isn’t a system our kids can’t afford to access, it’s free.

So what’s actually standing between our kids and that same level of preparation?

Is this on the system? Or is this on us, as communities, to start building that same multi-year, intentional pipeline for our own children?

I don’t think the answer is comfortable. But I think the conversation is necessary.

Where do you land? Systems failure, community failure, or both?

Let’s talk about it.

And if you’re ready to start building the wealth muscle for your child, link in bio for the FREE Rich Kid challenge.

Finance night out with Chime and Experian.Banking and credit are two nonnegotiables of building wealth, whether you’re j...
03/07/2026

Finance night out with Chime and Experian.

Banking and credit are two nonnegotiables of building wealth, whether you’re just starting out, mid-climb, or reaching the number you set for yourself years ago.

Everything else is strategy. These two are foundation.

At the Chime event, we were celebrating the last of the millennials turning 30 this year. And as we know, our thirties are a pivotal stretch.

Relationships solidify or end. You’re having children, getting married, sometimes getting divorced. Careers pivot. Promotions land. You step into upper management, or you step away entirely to build something of your own.

With all of that shifting underneath you, your financial foundation is what protects you through it.

Your banking, your credit, these are not the exciting parts of the story.

They are the parts that determine whether you can actually survive the plot twists. đź’¸

30/06/2026

The math on NYC’s “affordable” housing lottery will humble you.

When I talk about upward mobility on this page, I mean it in every sense… income, network, mindset. And where and how we live is one of the biggest, most underrated levers in that equation.

Income bands for luxury rent-stabilized units in NYC now stretch up to nearly $250K for a household of 2-5.

Read that again.

This isn’t the poverty-line lottery stigma we grew up hearing about, it’s been strategically recalibrated for the working and upper-middle class.

You can qualify... but at a premium.

I’ve gone down the rent-stabilized vs. rent-controlled rabbit hole this week (the recent Mamdani led rent freeze headlines will do that to you) and here’s the short version: rent control (governed by HPD) is the older, nearly extinct category, tenants who’ve been in place since before 1971, prices barely move.

Rent stabilization is the much bigger, more relevant system now. 2-3% annual increases capped by a city board, and increasingly, luxury new builds are required to set aside units at 25%+ under market to qualify for tax abatements. That’s where these income bands come in, usually asking ~25% less than market rate rents.

Research connects your built environment, light, space, neighborhood stability, commute, to cognitive bandwidth, stress load, and decision-making capacity. Where and how you live isn’t just a budget line. It’s an input into how clearly you think and how far you get.

If you’ve been priced out of “where you actually want to be,” this might be your way in. Apply. Apply again. Apply to the ones that feel like a stretch. The system rewards persistence more than perfection.

Do you see this as an opportunity or still too far out of reach?

Go check out NYC Housing Connect. Tell me if you apply, I want to hear about it.

10/06/2026

Becoming is not a destination. It’s a constant arrival.

I survived cancer. What nobody tells you about surviving is what you inherit from it. I live in a body that is heavily scarred from that experience. For years, more years than I want to admit, I was deeply uncomfortable in it. I avoided mirrors. I dressed around it. I grieved the body I had before like it was a person I lost.

Recently something shifted.

I started adorning this body instead of hiding it. Jewelry. Intentional dressing. Looking at myself and deciding that this, all of this, is what a survivor looks like. Not in spite of the scars. Because of them.

That is becoming.

It does not always feel like growth. Sometimes it feels like grief.

Sometimes it feels like starting over in a body, a life, a career, a version of yourself that you did not ask for and are still learning to inhabit.

But here is what I know. Becoming requires you to shed who you were in order to arrive at who you are becoming. And that shedding is not comfortable. It is not linear. And it asks something most people are not ready to give, the willingness to let go of the old version of yourself even when she still feels safe.

I have been having this exact conversation with people who have submitted applications to work with me privately.

The question I keep asking is not about income or career goals or strategy. It is simpler than that.

Are you ready to surrender to the new you?
Or are you going to keep one foot in who you used to be?

There is no wrong answer. But there is an honest one.

If you are ready, and I mean truly ready to dedicate yourself to a full life transformation, the application for Life OS is at the link in bio. Eight weeks. Private. One on one.

Becoming is waiting on your decision.

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