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.

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To shop Viv’s debt tracker, budget tracker, and access free financial tools:

https://stan.store/overgenpoverty

To submit an anonymous question and be featured in a future episode:

https://forms.gle/SoS6NHpsPfMm3KSx7

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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