A plan built from your actual numbers.
Answer a few quick questions and get a first plan in about a minute. Add more detail any time to sharpen it. Nothing is required, and you can skip anything you'd rather not share.
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Optional. Unlocks dollar amounts in your plan. An estimate is fine.
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Cards, loans, everything combined. Enter 0 if none.
Make it more accurate (optional)
What actually lands in your account each month.
Rent, food, bills, transportation: the must-pays.
Used to point you to state programs.
Only asked because it unlocks one specific account (an HSA). Skip if unsure.
Model the decision before you make it.
Real calculators for the choices you're actually facing — no chat needed, just your numbers.
A simple rule of thumb
Credit cards, payday and most personal loans. Paying them off is a guaranteed return bigger than the stock market's long-run average.
Split your extra money between the debt and investing. Peace of mind counts too.
Many mortgages and some federal student loans. Pay on schedule and let investing do more with the extra.
Always first: your employer's 401(k) match (free money) and a starter emergency fund. Averages aren't promises, and this is education, not advice.
Simplified projection assuming a steady 7% average market return — not a guarantee.
Short, narrated explainers — in English or Spanish.
Tap a topic to watch a quick animated walkthrough with narration in whichever language you have selected up top.
Search our library, in plain language.
Type a term or a real question — from retirement accounts to crypto. Raíz explains it the way you'd want a trusted family member to, in whichever language you're using right now.
This is general education, not personalized financial, tax, or legal advice — for decisions with real stakes, pair it with a licensed professional.
The path from renter to owner to investor, laid out in order.
Real estate is where a lot of first-gen wealth actually compounds. Here's the on-ramp, broken into stages instead of one overwhelming leap.
Credit & savings foundation
Get your credit score and down payment reserve to the point where lenders take you seriously — with a target number, not a vague goal.
First-time buyer programs
Match to down payment assistance and first-gen buyer programs you actually qualify for, filtered by your state.
HUD.gov — Buying a Home →NerdWallet — Down Payment Assistance Guide →
Investing & syndications
Once you own, learn how pooled real estate deals work — cap rates, distributions, and how to vet a sponsor before you wire anything.
You're not the only one figuring this out first.
Small cohorts of other first-gen earners at your same stage — not a giant forum, not financial influencers selling a course.
First 401(k), first real savings
Balancing remittances and your own goals
Closing on the first home in the family
Join the waitlist
We'll email you when your cohort opens. No spam, no selling your info.