Business
Erika Del Toro, a big influence in the financial industry

Moving to the U.S was the first part of Erika’s journey, as she always knew that she was going to make things happen for herself. Her gut instinct always reassured her, and she was focused on being an entrepreneur and making a name for herself. Del Toro describes herself as a self-made millionaire, a life insurance agent, and one of the first Latinas to cross a million in income as an agent. Erika is also the co-owner of PHP agency alongside her siblings.
Toro is a big influence and motivational speaker in the Latina community, Erika Del Toro managed to create amazing opportunities for herself and her PHP Agency and built her own empire, which has now made her a millionaire. She pours so much belief in so many people’s lives, and always states when you pay people’s bills, yours are paid on its own.
She plunged into real estate after many people advised her to read self-development and entrepreneur books. After succeeding in that field Erika’s sister suggested they dive into the life insurance industry. Although the idea of starting a new company from scratch was nerve-racking, Del Toro always says success tastes good after the struggle, and diving into that side of the industry was one of the best decisions she has made.
When asked what legacy would you like to leave behind for yourself? Erika Del Toro responded with: “I was able to inspire my Latin community that anything is possible. Success tastes good after the struggle, is one of my own quotes. What I mean by that is when you work hard you can accomplish anything.”
Understand success with @erikarubideltoro on Instagram
Business
Scaling Success: Why Smart Habits Beat Growth Hacks in Modern eCommerce

There’s a romanticized image of the eCommerce founder: a daring risk-taker chasing the next big idea, fueled by late-night caffeine and last-minute inspiration. But the reality behind scaled, sustainable brands tells a different story. Success in digital commerce doesn’t come from chaos or clever hacks. It comes from habits. Repetitive, structured, often unglamorous habits.
Change, a digital platform created by eCommerce strategist Ryan, builds its entire philosophy around this truth. Through education, mentorship, and infrastructure, Change helps founders shift from scrambling for quick wins to building strong systems that grow with them. The company doesn’t just offer software. It provides the foundation for digital trade, particularly for those in the B2B space.
The Habits That Build Momentum
At the heart of Change’s philosophy are five core habits Ryan considers non-negotiable. These aren’t buzzwords; they’re the foundation of sustainable growth.
First, obsess over data. Successful founders replace guesswork with metrics. They don’t rely on gut feelings. They measure performance and iterate.
Second, know your customer deeply. Not just what they buy, but why they buy. The most resilient brands build emotional loyalty, not just transactional volume.
Third, test fast. Algorithms shift. Consumer behavior changes. High-performing teams don’t resist this; they test weekly, sometimes daily, and adapt.
Fourth, manage time like a CEO. Every decision has a cost. Prioritizing high-impact actions isn’t optional; it’s survival.
Fifth, stay connected to mentorship and learning. The digital market moves quickly. The remaining founders are the ones who keep learning, never assuming they know it all.
Turning Habits into Infrastructure
What begins as personal discipline must eventually evolve into a team structure. Change teaches founders how to scale their systems, not just their sales.
Tools are essential for starting, think Notion for documentation, Asana for project management, Mixpanel or PostHog for analytics, and Loom for async communication. But tools alone don’t create momentum.
Teams need Monday metric check-ins, weekly test cycles, customer insight reviews, just to name a few. Founders set the tone by modeling behavior. It’s the rituals that matter, then, they turn it into company culture.
Ryan puts it simply: “We’re not just building tools; we’re building infrastructure for digital trade.”
Avoiding the Common Traps
Even with structure, the path isn’t always smooth. Some founders over-focus on short-term results, chasing vanity metrics or shiny tactics that feel productive but don’t move the needle.
Others fall into micromanagement, drowning in dashboards instead of building intuition. Discipline should sharpen clarity, not create rigidity. Flexibility is part of the process. Knowing when to pivot is just as important as knowing when to persist.
Scaling Through Self-Replication
In the end, eCommerce scale isn’t just about growing a business. It’s about repeating successful systems at every level. When founders internalize high-performance habits, they turn them into processes, then culture, then legacy.
Growth doesn’t require more motivation. It requires more precision. More consistency. Your calendar, not your to-do list, is your business plan.
In a space dominated by noise and novelty, Change and its founder are quietly reshaping the conversation. They aren’t chasing trends but building resilience, one habit at a time.
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