Mar 10, 2023

NGPF Podcast: Lawyer turned Author Cindy Zuniga-Sanchez on her new book Overcoming Debt, Achieving Financial Freedom

Attending law school is expensive. Listen to this podcast to hear about how Cindy paid off more than $200k in student loan debt -- which motivated her to write her new book.

Yanely is joined by lawyer-turned-author Cindy Zuniga-Sanchez who talks about her new book Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth. Cindy breaks down the structure of her book, how she wrote it as a guide for her younger self, and how readers can best use it as a financial resource in their lives.


  • 0:00~0:58 Introduction
  • 0:58~6:39 The Zero-Based Budget Coaching Story
  • 6:39~10:53 Getting out of debt
  • 10:53~17:35 The pressure to “look like a lawyer”
  • 17:35~23:15 The avalanche method
  • 23:15~31:34 Structure of Overcoming Debt, Achieving Financial Freedom
  • 31:34~40:21 Making the book easy to read
  • 40:21~44:53 Favorite part of the book
  • 44:53~46:45 Conclusion



  • “Words have power, when you write something down, there is something to committing to that act -- whatever it is you wrote down.”


About the Authors

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

Ren Makino

Ren started interning at NGPF in 2014, and worked part-time through high school and college. With his knowledge growing alongside NGPF, he joined the team to work full-time after graduating from college in 2020. He is also the producer of the NGPF podcast. During his free time, he likes to try out coffees from different roasters across the world.

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