Gabriella Cruz-Martinez Reporter Gabriella is a personal finance writer whose previous coverage has appeared in Money Magazine, MSN Money and the Journal Gazette & Times-Courier.

Xavier Martinez is a news associate at The Wall Street Journal. Xavier previously interned in the features department at the Seattle Times.

Sergio Martínez-Beltrán (SARE-he-oh mar-TEE-nez bel-TRAHN) is an immigration correspondent based in Texas. He comes from the public radio collaborative The Texas Newsroom, where he covered ...

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