In this episode of Dollars and Dreams, Adam sits down with Harvard Business School professor Luis Viceira to break down the financial basics every immigrant should know. From how credit scores work to the difference between 401(k)s and IRAs, Luis demystifies the U.S. financial system with clarity and care. He explains how newcomers can choose the right financial products, avoid hidden fees, and build smart investment strategies—no jargon, no pressure, just practical advice. Whether you’re new to the country or just new to managing money, this episode is your starter guide for financial literacy in America.