Ep. 8 - How We're Becoming First-Gen Millionaires

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