Raíz
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First-gen wealth, built on purpose

Your family didn't hand you
a playbook.
We're building you one.

Raíz is the financial co-pilot for people building wealth their families never had access to — plain-language guidance, bilingual family support, and a community that gets it.

Hoy — today Emergency fund 401(k) match Family support plan Debt payoff Roth IRA opened Real estate on-ramp First home Generational wealth
every root, a milestone
62M+first-gen earners in the U.S. with no family playbook for wealth
2languages, side by side, in Family Mode
0jargon left unexplained
1roadmap, built around your actual life
My Plan

A plan built from your actual numbers.

Answer a few questions about where you're at. Raíz builds a prioritized plan, in order, with the family obligations most first-gen earners actually carry factored in from the start.

Step 1 — Income & work

This changes how big your emergency fund target is.

Only asked because it unlocks one specific account (an HSA) — skip if unsure.

Step 2 — Savings & debt
Step 3 — Goals & family
Your priority actions
Recommended for you
● saved to your profile — it'll be here next time
My Advisor

Model the decision before you make it.

Real calculators for the choices you're actually facing — no chat needed, just your numbers.

Debt payoff optimizer
Improve your credit score

Invest vs. pay down debt

Simplified projection assuming a steady 7% average market return — not a guarantee.

Animated Guides

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.

Explainer

Ask anything, in plain language.

Type a term or a real question. Raíz explains it the way you'd want a trusted family member to — simply, patiently, in whichever language you're using right now.

Try a term below, or ask something like "what's a good credit score?" or "explain a 401k rollover like I'm buying my first house."

This is general education, not personalized financial, tax, or legal advice — for decisions with real stakes, pair it with a licensed professional.

Real Estate On-Ramp

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.

01

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.

02

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 →
03

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.

Coming soon

This is the tip of the iceberg.

NACA, FHA, USDA, and VA loans. Seller financing. Lease-options. House hacking. Using an ADU as income. There's a real, step-by-step course in the works on buying real estate for the first time — including the creative financing options most people never hear about. Join the community to get it first.

Community Layer

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.

Cohort · Early Career

First 401(k), first real savings

Cohort · Family Support

Balancing remittances and your own goals

Cohort · First-Time Buyers

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.

Waitlist entries are stored so the count above is real and shared across everyone who opens this app — not just you.