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?

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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

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 and reflects our personal experience.#PersonalFinance

InvestingForBeginners / FirstGen / FinancialLiteracy / MoneyTips / WealthBuilding / DebtFreeJourney / MoneyForCouples / BreakingCycles