As a first-generation Latina, I’ve seen how understanding money can open doors many of us didn’t think were possible.

Hi, I’m Karolina—Karo for short—and I’m the founder of Kapitalize With Karo! When I discovered the world of personal finance at 25, everything changed. I realized how much control we can take over our finances and lives with the right knowledge and tools.

By 27, I had saved $72k, became a homeowner at 28, and traveled to over 25 countries—all while earning less than six figures. 👩🏻‍🏫👋

Now, I’m a self-taught financial educator on a mission to make financial education accessible to everyone, no matter their background.

I’m here to help you manage your money, become debt-free, and build wealth—all while living a life you truly enjoy!

I have a master’s degree in education and spent 9 years as an elementary school teacher. During that time, I mastered the art of breaking down complex ideas into simple, easy-to-understand steps. This skill has been especially important in teaching finances.

Now, I use that expertise to empower college students—and beyond—with the right knowledge and tools they need for a successful financial future. 

Through interactive workshops, personalized coaching sessions, and digital tools like Google spreadsheets and planners, I share actionable strategies and guide participants in putting what they learn into practice right away.

I’ve designed my spreadsheets and planners with the same approach I use in teaching: simple, effective, and tailored to real-life needs. These tools are automated and goal-oriented to help you save time, reduce stress, and stay focused on your financial goals.

Whether you’re tackling debt, my Debt Payoff Spreadsheet helps you create a personalized payoff plan in minutes. Or, if you’re managing business finances, my Small Biz Bookkeeping Google Sheets makes tracking income and expenses simple and stress-free—without the extra monthly subscription cost. 

Each tool is thoughtfully created to make financial management easier and more accessible, so you can stay on track and focus on what matters most—all in an affordable way.