TechQuiero Más

In part 2 of our season finale of TechQuiero Más, we continue one of the most personal conversations we’ve had on this podcast — this time with Viv’s parents.This episode is about family, sacrifice, survival, and what it really means to break cycles together.From starting over in the U.S. with limited resources to building stability for the next generation, we talk about the realities behind going from survival mode to creating wealth as a family.Because generational wealth doesn’t start with millions — it starts with decisions, discipline, and the courage to want more.Before we get into it, we start with our question of the day: If you won the lottery today, what’s the first thing you would do with the money?Then we dive into:🏠 Starting a Family in the U.S. • What was the hardest part of building a family here from scratch• The emotional and financial pressure of starting over in a new country• What survival mode looked like behind the scenes💰 Learning Financial Stability • How they learned to manage money better over time• The mistakes, lessons, and mindset shifts that changed everything• What “de pobreza a riqueza” really means in real life✨ Advice for the Next Generation • What they would tell a young immigrant coming to this country today• How to stay hopeful when life feels uncertain• Why breaking cycles starts long before money shows upThis episode is a reminder that wealth is bigger than money — it’s peace, options, stability, and the ability to give your family a different future.If you’re first-gen, the child of immigrants, or trying to become the turning point in your family’s story — this episode is for you.Then we answer three questions from our community:💰 Money: What was the very first thing you did to start overcoming poverty and begin building financial stability?💼 Career: I’m a teacher looking for a career change, but imposter syndrome is making me feel stuck — where do I even start?💗 Relationships: We’re almost debt-free, expecting our first baby, and trying to balance emergency savings, investing, and retirement — what should we prioritize first?—To shop Viv’s debt tracker, budget tracker, and access free financial tools: https://stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode: https://forms.gle/SoS6NHpsPfMm3KSx7If you enjoyed this episode, don’t forget to COMMENT, FOLLOW, and SUBSCRIBE 🎧 And if you feel compelled to RATE our podcast, we’d truly appreciate your feedback!Thank you for being part of our first season of TechQuiero Más. This season has been about building more — more wealth, more clarity, more confidence, and more opportunity. And we’re just getting started 👀Thanks for listening to TechQuiero Más — for couples who want more and are building it together.This is not financial advice — this content is for educational purposes only. Always do your own research before making financial decisions.FirstGen / DePobrezaARiqueza / GenerationalWealth / BreakingCycles / Immigrants / ImmigrantFamilies / MoneyMindset / FinancialFreedom / TechQuieroMas / SeasonFinale / Familia / Family / GenerationalHealing / Season1 / Mexico

In part 1 of our season finale of TechQuiero Más, this episode gets personal.For the first time, Xavi’s parents join us on the podcast to share their story — from immigrating from Ecuador to building careers, stability, and opportunities for the next generation.This conversation is bigger than career advice. It’s about sacrifice, resilience, survival, and what it really takes to build a life from scratch in a new country.They came to the U.S. with uncertainty, and the pressure to make it work — not just for themselves, but for their family.Today, we’re talking about the journey behind that.Before we get into it, we start with a question you can reflect on: What was your first job in the U.S.?Then we dive into:🇪🇨 Part 1: The Beginning• Their first jobs after arriving in the U.S.• The biggest struggles early on — language barriers, money, identity, and starting over• What immigrant survival mode really looks like behind the scenes📈 Part 2: Career Progression• How their careers evolved over time• Whether they had a clear plan — or were figuring it out as they went• The biggest lessons they learned about work and opportunity in America• The moments they wanted to give up — but didn’t✨ Part 3: The Full Circle Moment• What “querer más” means to them now• How they think about success after everything they’ve built• Advice for immigrants trying to break into corporate America and create a better future for their familiesIf you’re first-gen, the child of immigrants, or trying to create opportunities your family never had — this episode is for you.Then we answer three questions from our community:💰 Money:As a beginner, what stocks or funds should I be investing in first?💼 Career:I’m 18, feel lost, and have no idea what to do with my future. How do I build stability when I feel like I’m starting from survival mode?💗 Relationships / Life:How do you balance helping your family business while still protecting your own long-term career growth and financial future?—To shop Viv’s debt tracker, budget tracker, and access free financial tools:https://stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode:https://forms.gle/SoS6NHpsPfMm3KSx7If you enjoyed this episode, don’t forget to COMMENT, FOLLOW, and SUBSCRIBE 🎧And if you feel compelled to RATE our podcast, we’d truly appreciate your feedback!Next week, we’ll also have some very special guests joining us — make sure to tune in 👀Thanks for listening to TechQuiero Más — for couples who want more and are building it together.This is not financial advice — this content is for educational purposes only. Always do your own research before making financial decisions.FirstGen / ImmigrantParents / CorporateAmerica / CareerGrowth / BreakingCycles / GenerationalWealth / LatinoProfessionals / ImmigrantStory / TechQuieroMas / SeasonFinale / Family / Familia / Ecuador

In this episode of TechQuiero Más, Viv and Xavi tackle something that almost every first-gen struggles with…how to talk about money with your family.Because let’s be real — for a lot of Latino and immigrant households, money is either stressful, avoided, or only talked about when something’s wrong.So how do you bring it up… without it getting uncomfortable, emotional, or straight up awkward?We talk about:• Why many first-gen and Latino families avoid money conversations• How scarcity, survival mode, and cultural norms play a role• Why first-gens often feel pressure to financially support their familiesBefore we get into it, we start with a question you can reflect on (or laugh about): What’s the craziest financial ask you’ve ever gotten from family?Then we get personal — sharing real stories of money conversations we’ve had (and avoided) with our own families.And most importantly, we walk you through how to actually have the conversation:• How to bring up money without making it awkward• What to say (and what NOT to say)• Why setting boundaries early is key• When and how to share your real numbers• How to show your family what’s possible — without creating pressureWe also talk about the mistakes to avoid, and how to approach these conversations with empathy while still protecting your own financial future.If you’ve ever felt stuck between wanting to help your family and trying to build your own life — this episode is for you.Then we answer three questions from our community:💰 Money:When investing in a Roth IRA, is it better to focus on one ETF (like the S&P 500) or diversify across multiple funds?💼 Career:As a recent computer science grad struggling to land a software engineering role, how do you connect with startups directly?💗 Relationships:How do you deal with limiting beliefs and self-doubt as a first-gen?—To shop Viv’s debt tracker, budget tracker, and access free financial tools:https://stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode:https://forms.gle/SoS6NHpsPfMm3KSx7If you enjoyed this episode, don’t forget to COMMENT, FOLLOW, and SUBSCRIBE 🎧And if you feel compelled to RATE our podcast, we’d truly appreciate your feedback!Next week, we’ll have some very special guests joining us — make sure to tune in 👀Thanks for listening to TechQuiero Más — for couples who want more and are building it together.This is not financial advice — this content is for educational purposes only. Always do your own research before making financial decisions.FirstGen / MoneyConversations / LatinoFinance / FamilyAndMoney / FinancialBoundaries / GenerationalWealth / MoneyMindset / BreakingCycles / TechQuieroMas

In this episode of TechQuiero Más, Viv and Xavi break down how to actually level up your career — not just land a job, but position yourself for higher-paying roles, better opportunities, and long-term growth.Because getting your foot in the door is just step one… Learning how to navigate, negotiate, and stand out? That’s what changes your life.Before we get into it, we start with a question you can think through at home: What’s the most embarrassing mistake you’ve made in your career?Then we dive into:🧠 The Winning Job Strategy (Stop Mass Applying to Jobs)• How to “pick a lane” (role, industry, level)• Building a focused Top 10 company list• Why referrals > cold applications• How to fix your resume (results over responsibilities)🚀 How to Execute (Networking & Standing Out)• What networking actually is (and what it’s NOT)• How to reach out to people without feeling awkward• Why following up is where most people miss opportunities💰 Salary Negotiation• Why not negotiating can cost you tens of thousands• The #1 mistake first-gen professionals make when it comes to salary• How to avoid saying the first number• How to confidently counter an offer• What else you can negotiate beyond salary (bonus, equity, PTO)We also share our personal experiences — from applying to jobs the wrong way, to learning how to network effectively, to negotiating offers and seeing the real financial impact.If you’re not making six figures yet  — this episode is for you.Then we answer three questions from our community:💰 Money:I recently got a big raise and don’t know how to manage it — how do I stop overspending while still enjoying my money and start building wealth?💼 Career:I’m an analytics manager dealing with burnout and want to pivot into tech — how do I network effectively and navigate corporate in North America?💗 Relationships:How do you build and maintain a healthy long-term relationship?—To shop Viv’s debt tracker, budget tracker, and access free financial tools:https://stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode:https://forms.gle/SoS6NHpsPfMm3KSx7If you enjoyed this episode, don’t forget to COMMENT, FOLLOW, and SUBSCRIBE 🎧And if you feel compelled to RATE our podcast, we’d truly appreciate your feedback!Thanks for listening to TechQuiero Más — for couples who want more and are building it together.This is not financial advice — this content is for educational purposes only. Always do your own research before making financial decisions.CareerGrowth / SalaryNegotiation / FirstGenProfessionals / TechCareers / Networking / GetPaidWhatYouDeserve / FinancialFreedom / MoneyMindset / BreakingCycles / TechQuieroMas

In this episode of TechQuiero Más, Viv and Xavi dive into what it really takes to become the first millionaire in your family — and why it’s less about luck and more about consistency.We’re talking all things investing, building generational wealth, and protecting everything you’re working so hard to build — even if you’re just getting started.We also share a personal story we’ve never talked about on the podcast before…we signed a prenup. And no — it doesn’t mean we’re planning for divorce.Before we get into it, we start with a question you can think through at home: If you had no debt, some savings, but nothing invested — would you prioritize investing or helping your parents financially?Then we dive into: • The two paths to investing: “set it and forget it” vs. self-managing your portfolio • Beginner-friendly options like target date funds • How to start investing in index funds (S&P 500, total market) • Why we chose to manage our own portfolio — and how we approach it • The truth about building wealth as a first-gen: consistency over perfection • Why prenups aren’t just for the wealthy • What a prenup can actually include (assets, debt, businesses) • How to think about protection — for yourself, your partner, and your future family • How to approach the conversation (especially if it feels uncomfortable or unfamiliar)Then we answer three questions from our community:💰 Money: I wiped out my savings and Roth IRA, have debt, and inconsistent income — what should be my top priority to get back on track?💼 Career:What path did you take to break into tech, and was it worth changing careers as a first-gen?💗 Relationships:How do I start a conversation with my fiancé about a prenup when we’ve never been exposed to this before?If you’re trying to build wealth, protect your future, and become the first in your family to do it — this episode is for you.—To shop Viv’s debt tracker, budget tracker, and access free financial tools:https://stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode:https://forms.gle/SoS6NHpsPfMm3KSx7If you enjoyed this episode, don’t forget to COMMENT, FOLLOW, and SUBSCRIBE 🎧And if you feel compelled to RATE our podcast, we’d truly appreciate your feedback!Thanks for listening to TechQuiero Más — for couples who want more and are building it together.This is not financial advice — this content is for educational purposes only. Always do your own research before making financial decisions.Investing / FirstGenWealth / GenerationalWealth / Prenup / MoneyForCouples / FinancialFreedom / InvestingForBeginners / TechCareers / BreakingCycles / TechQuieroMas

In this episode of TechQuiero Más, Viv and Xavi break down one of the most common questions we hear:“I want to change my career… but where do I even start?”Whether you’re feeling stuck, unfulfilled, or ready for something bigger, this episode is all about helping you take that first step — or your next step — with clarity and confidence. ✨We dive into:• The difference between your interests vs. your strengths• How to define your values — and why they matter when choosing a career path• Where to find people who are already doing what you want to do• How networking actually works (especially when you’re starting from scratch)• The approaches Viv and Xavi used to break into techAt the end of the day — you don’t need to have everything figured out. You just have to start.✨Then we answer three questions from our community:💰 Money:I have a six-figure corporate job — what can I do to start building residual income?💼 Career:How do I build my network from scratch as a freshman majoring in Finance? And how should I think about choosing a minor?💗 Relationships / Life:I’m back in school, struggling financially, and feeling stuck. Should I take out student loans, and how do I navigate this phase without falling behind?If you’re thinking about pivoting careers, building a network, or figuring out your next move — this episode is for you.—To shop Viv’s debt tracker, budget tracker, and access free financial tools:https://stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode:https://forms.gle/SoS6NHpsPfMm3KSx7If you enjoyed this episode, don’t forget to COMMENT, FOLLOW, and SUBSCRIBE 🎧And if you feel compelled to RATE our podcast, we’d truly appreciate your feedback!If you made it to the end of the episode, DM us the keyword: “START” and we’ll send you a little something 💌Thanks for listening to TechQuiero Más — for couples who want more and are building it together.CareerPivot / FirstGenProfessionals / CareerGrowth / Networking / TechCareers / FinancialFreedom / MoneyMindset / BreakingCycles / TechQuieroMas

In this episode of TechQuiero Más, Viv and Xavi break down one of the most common (and overwhelming) questions: “I want to get my finances together… but where do I even start?”Between saving, investing, debt, credit cards, APR, APY — it can feel like a lot. So in this episode, we simplify everything and walk you through a clear, step-by-step approach to taking control of your money.We start with a quick game you can try with your partner at home — sharing your favorite financial trait about each other 💭Then we dive into:• How to figure out your full financial picture (assets vs. liabilities)• How to calculate your net worth — and what your number actually means• Why increasing your net worth is the key to financial freedom• The two ways to build wealth: reducing debt and increasing assets• How to prioritize high-interest debt (and when investing might still make sense)• The exact order we followed: debt → emergency fund → investing• Where to start investing (401k, Roth IRA, HSA, brokerage accounts)• What employer matching is — and why it’s essentially free money• Beginner-friendly investing strategies like target date funds and dollar cost averaging (DCA)We also share what’s worked for us personally, how we approached investing as beginners, and how to keep things simple without trying to time the market.If you’ve been putting off your finances because you don’t know where to begin, this episode is for you.Then we answer three questions from our community:💰 Money:How do you open a brokerage account — and how does it actually work?💼 Career:What’s the next step after being a Product Support Engineer if you’re aiming for a six-figure role in tech?💗 Relationships:Where should couples start financially when transitioning to one income — saving, investing, or opening a Roth IRA?—To shop Viv’s debt tracker, budget tracker, and access free financial tools: https://stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode: https://forms.gle/SoS6NHpsPfMm3KSx7Thanks for listening to TechQuiero Más — for couples who want more and are building it together.This is not financial advice — this content is for educational purposes only and reflects our personal experience.#PersonalFinance InvestingForBeginners / FirstGen / FinancialLiteracy / MoneyTips / WealthBuilding / DebtFreeJourney / MoneyForCouples / BreakingCycles

In this episode of TechQuiero Más, Viv and Xavi talk about something that impacts almost every relationship — money.Are you financially compatible with your partner?Whether you’re married, dating, or currently single, learning how to have open and honest conversations about finances can make a huge difference in your relationship and your long-term financial future.We start the episode with a quick game you can try with your partner at home — questions designed to reveal how each of you thinks about money, fear, and long-term goals.Then we dive into:• Why couples should start talking about money earlier than most people think• The impact your childhood and “money story” can have on your financial habits• How to decide whether to build wealth separately, together, or through a hybrid approach• Why knowing your numbers (salary, net worth, retirement goals, emergency funds) matters for both partners• The 4% rule and how to estimate your retirement number using the FIRE frameworkResearch shows that many couples avoid these conversations — even in long-term relationships — which can lead to misunderstandings and financial stress later on.In this episode, we also share personal stories about how we grew up thinking about money and how those experiences shaped our financial conversations as a couple.Then we answer three questions from our community:💰 Money:Do you need thousands of dollars to open a High Yield Savings Account? What should beginners know before opening one?💼 Career:What advice would we give to a first-generation college student who is about to graduate and start their career?💗 Relationships:When should couples disclose their salaries? And is it a red flag if a partner isn’t comfortable talking about money?If you’re navigating finances in a relationship — or preparing for those conversations in the future — this episode is for you.—To shop Viv’s debt tracker, budget tracker, and access free financial tools:www.stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode:https://forms.gle/SoS6NHpsPfMm3KSx7Thanks for listening to TechQuiero Más — for couples who want more and are building it together.MoneyForCouples / FinancialCompatibility / FirstGen / MoneyConversations / PersonalFinance / GenerationalWealth / RelationshipsAndMoney / FinancialLiteracy / BreakingCycles

In this episode of TechQuiero Más, Viv and Xavi talk about two mental hurdles that many first-gen professionals face — even after you start making progress: scarcity mindset and imposter syndrome.When you grow up with financial instability, limited resources, or without a blueprint for success, it’s easy to carry those fears into adulthood — even when your circumstances start to change.In this episode, we break down:• Where scarcity mindset actually comes from• Why many first-gen professionals feel like they don’t belong in higher-paying careers or new spaces• How to build confidence when you’re navigating unfamiliar environments• Practical ways to shift your thinking while continuing to grow financially and professionallyThen we answer three questions from our community:💰 Money: How can someone start getting out of debt when they’re already overwhelmed with payments and emergencies?💼 Career:Is it too late to pivot careers at 33 — and how do you make a change when you feel like you don’t have the “right” skills?💗 Relationships:Can a stay-at-home spouse still contribute to retirement through a Roth IRA?If you’re a first-gen professional trying to build confidence, overcome fear, and create a better financial future than the one you grew up with, this episode is for you.—To shop Viv’s debt tracker, budget tracker, and access free financial tools: www.stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode:https://forms.gle/SoS6NHpsPfMm3KSx7Thanks for listening to TechQuiero Más — for couples who want more and are building it together.ScarcityMindset / ImposterSyndrome / FirstGenProfessionals / CareerGrowth / FinancialMindset / GenerationalWealth / MoneyMindset / BreakingCycles / TechCareers

In this episode of TechQuiero Más, Xavi breaks down his non-linear career journey from being a NYPD police cadet to teaching to tech — and what it took to land his first six-figure job.We talk about:How to pivot when your degree or first job isn’t your forever pathWhat skills matter more than titlesThe mindset shifts first-gen grads need to compete in higher-paying industriesThen we answer three powerful community questions:💰Money:My parents are unemployed due to health issues. They did not save for the future. I’m desperate to know what I can do to make more money and help them the way they’ve helped me. 🧳Career:How to find a fulfilling career path that has good work life balance💓Love:How did your relationship change when Xavi stepped into a more demanding tech role?If you’re a first-gen college grad trying to change your career path into a higher-paying one this episode is for you.—To shop Viv’s debt tracker, budget tracker, and access free financial tools:www.stan.store/overgenpovertyTo submit an anonymous question and be featured in a future episode:https://forms.gle/SoS6NHpsPfMm3KSx7Thanks for listening to TechQuiero Más — for couples who want more and are building it together.FirstGen / GenerationalWealth / BreakingCycles / FinancialLiteracy / MoneyEducation / PersonalFinance /Relationships / MoneyforCouples / CareerGrowth