On average, a Latina earns $ 0.55 for every $ 1 earned by a white man, the biggest pay gap among women of all other racial and ethnic groups, according to the National Center for Women’s Rights. This represents significant losses for Latinos: over a million dollars over a 40-year career. This pay gap has shrunk by only three cents since 1989.

Not all obstacles are insurmountable, however, and this group of Latino investment professionals want to show you how to overcome them.

Jannese Torres-Rodriguez

Jannese Torres-Rodriguez has a full-time job and has earned over six figures from her side activities. One of the first things she did with her new fortune was buy a house for her parents and teach them all the financial lessons she learned as an adult. For example, she told her father about his investment strategies and encouraged him to open a brokerage account and an IRA. Now they are trading stock tips and talking about investing for the first time.

“I want women, especially women of color, to know that they can change their family’s trajectory when it comes to financial trauma, generational curses and all of those things,” Torres-Rodriguez says. “Get rid of the stigma, the shame, the guilt of not knowing better,” she said Time magazine.

Born in New Jersey, based in Florida and with roots in Puerto Rico, Rodriguez wants to educate modern Latinos through her podcast Yo Quiero Dinero.

“I started out by making the conscious decision to spend a few hours a week listening to personal finance podcasts,” she said. Really simple. “In the end, I created my own to add to the conversation, as I couldn’t find a Latinx voice having these critically important discussions. Thanks to this self-education, I am now on the way to becoming the first millionaire in my family!

Delyanne Barros

Delyanne Barros arrived in the United States as a child with her family from Brazil. She spent much of her life in Miami as an undocumented immigrant until eventually she could attend law school. When she graduated in 2008, Barros had student debt of $ 150,000.

Twelve years later, at just 38, she has no debt and has accumulated a net worth of over $ 300,000 with the FIRE investment initiative, which stands for “Financial Independence Retire Early”. The idea is that people save and invest 50-70% of their income aggressively for early retirement.

“In the Latinx community, talking about investing is so foreign. We just don’t do it, ”Barros said TIME. “Many think the stock market is like a scam or that it’s something only rich whites do, that it doesn’t apply to them.”

Now Barros teaches modern Latinos his financial literacy through @DelayneTheMoneyCoach.

Natalie Torres-Haddad

Natalie Torres-Hadad is a two-time TEDx speaker and an award-winning speaker at the 2016 International Latino Book Awards for her published book. Financially informed in 20 minutes. She is the first Salvadoran American woman to publish a book on student debt for millennials. Workshop Facilitator, Real Estate Investor and Brand Contributor, Torres-Haddad is a first generation graduate and in the top 4% of Latinos in the United States with an MPA from CSUN and CSULB, Finance and International Business.

Born in El Salvador and raised in Inglewood, she was surrounded by people facing permanent debts. Determined to be the exception, at 24, she bought her first rental property and several thereafter.

Now Torres-Haddad shares his wisdom through his bilingual podcast Financially informed in 20 minutes.

“From a young age, I knew that education would help me learn to invest better as a first-generation student in finance and international business,” said Torres-Haddad. Really simple. “I may not have learned everything about personal finance, but I learned that investing in real estate and other investment vehicles at a young age would increase my passive income, thanks to compound interest at over time. Investing in real estate was not only a way to quickly close the gap, but it also created more financial opportunities than most traditional investments.

“Specifically, Latinas are the largest growing ethnic group in the United States, and we can target multiple investment markets based on language and culture,” Torres-Haddad concluded. “There’s a joke that says Latinxes were social long before social media. This means that we prefer to be recommended and referred to work with companies and people you trust. More and more Latinas are making their voices heard and creating new platforms, products and services to solve global problems. “