Best of Panama City in 4 Days

Where to stay. Things to see & do. Places to eat. And More! Panama City is a top tourist destination with something for everyone. Outdoor experiences in this cultural hub will quench your thirst for adventure. I’ll share some tips on what to do (and not to do) and where to stay and eat during … Read more

How I Saved $72k by age 27 on a Teacher’s Salary

I wasn’t financially educated during my teen years or early 20s; however, my parents did mention that saving money was important. And this stuck with me early on for some reason. I started practicing how to save money in my teenage years. Whether I was making $15 a day helping my mother clean apartments in … Read more

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 … Read more

How to Budget for Travel [Actionable Tips]

What dream vacation are you dreaming of taking today? If you were able to go anywhere in this world, where would you go? The opportunities to travel are limitless – and that is incredibly exciting! But let’s be honest: you may be thinking if only you could afford this dream vacation. Most people are discouraged … Read more


Hi there, it’s Karolina. Welcome to my Travel Blog. I am a NYC teacher who LOVES to travel all over the world! I’m Karolina but most people call me Karo. I’m a Latina who is working on building wealth but who also LOVES TO TRAVEL around the world. I work as a teacher full-time so … Read more

Money + Lifestyle

Oh Hey There Friend,   My hope is that within these blogs you find inspiration and improve your financial literacy. Become confident with how you manage your finances so that you start living a choice filled life without sacrificing your happiness. Cheers to you on your financial journey! Love, Karo Get to know me Read My … Read more