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      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0001802994</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2025</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2025</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>Mine &amp; Arao Wealth Creation &amp; Management, LLC.</name>
        <address>
          <ns1:street1>901 CAMPISI WAY</ns1:street1>
          <ns1:street2>SUITE 140</ns1:street2>
          <ns1:city>CAMPBELL</ns1:city>
          <ns1:stateOrCountry>CA</ns1:stateOrCountry>
          <ns1:zipCode>95008</ns1:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-19861</form13FFileNumber>
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      <secFileNumber>801-113885</secFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Bud Mine</name>
      <title>CCO</title>
      <phone>408-377-7414</phone>
      <signature>/s/ Bud Mine</signature>
      <city>Campbell</city>
      <stateOrCountry>CA</stateOrCountry>
      <signatureDate>10-24-2025</signatureDate>
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