Growing up, Jannese Torres only saw the men in her family making financial decisions.

“The women managed the day-to-day budget and made sure all the bills got paid, but the men were the ones who had the ‘grown-up’ conversations,” she said. Financial products were something to be feared – her parents had gone into credit card debt in their 20s, forcing them to file for bankruptcy.

When Torres became a mother last year, she knew she wanted something different for her daughter. “My whole goal is making sure that she has as many options as possible, because I didn’t have that for myself,” said Torres, 40, host of the popular Yo Quiero Dinero podcast and author of Financially Lit!…