About me

Hi there! My name is Karolina but most people call me Karo. I am the founder of Kapitalize With Karo. I am a NYC charter school teacher who loves to travel and who is working towards building wealth! 

I am a First-Gen Latina who was born in Ecuador and moved to the United States at the age of 2. I was raised and currently reside in the Bronx, New York.

Since coming to the USA, my parents have worked their butts off to provide a better future for my two younger brothers and me. I cherish my upbringing and I am grateful for the work ethic and values my parents have instilled in us.

Growing up, the only thing I was taught about money was to work hard and to always try to save a portion of it. I must admit, however, during most of my teenage years and early-20s, I was a chronic shopaholic and went out a lot! And yes, I was still saving but I was also mindlessly spending my money.

When I graduated college, my first job was as a litigation paralegal making $28k a year. Then, a year later, I left and ended up becoming a NYC charter school teacher.

My parents weren’t the happiest with my decision to become a teacher because they thought I was never going to make “good money” (i.e. have a job that paid me 6-figures); and to be honest, I believed this too for some time. I was naive and thought that only someone who made 6-figures was capable of building wealth–definitely not a NYC school teacher.

It wasn’t until 2019, at the age of 27, when I started to wonder, “What else could I be doing with my money?” I was still saving money but I felt stuck so I took action. I discovered the world of personal finance and dove right in. I started reading numerous money books, I booked a 1-on-1 money coaching session, I took online money courses, I listened to podcasts, I started tracking my expenses, and I started investing my money. By learning and taking action, I am now on track to retire at the age of 50!

This journey has been a roller coaster of emotions for me but I am proud to say this Latina, who grew up in a low-income household, was able to save $72k by 27, on a teacher salary. Then, three months before turning 28, I purchased my first home. Since then, I have been focused on increasing my investments so that I can continue to build wealth, while traveling the world. I have traveled to over 25 countries and am still counting! 

I share my story to show you all how powerful financial education truly is. 

As an educator I have made it my mission to spread all my money knowledge that I’ve gained. I created Kapitalize With Karo to serve as a platform dedicated to helping young women of color who want to learn more about personal finance in a down-to-earth and relatable way, all while being able to travel the world for less.

My goal is to provide you with the right tools, knowledge, and advice needed to help you become rich rich! Let’s level up together!

So come along and Kapitalize With Karo!

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