This is a household profile of a participant in the U.S. Financial Diaries project. Mateo Valencia, 31, and Lucia Benitez, 30, are an unmarried couple living in Queens with their four year- old son Pablo. Mateo and Lucia are undocumented immigrants, and the realities and dangers of living in the U.S. without papers are very present in their lives. They feel that they could manage for three months without borrowing if Mateo lost his job. They believe it is fairly likely that Mateo would find another job with similar pay and benefits if he were to lose his current job. They are also very certain that they will be able to get ahead financially over the next five years. Still, they say that securing financial stability is more important than moving up the income ladder. They believe they will never be able to retire.