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Broke Millennial #1
Broke Millennial: Stop Scraping By and Get Your Financial Life Together
Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)!
If you're a cash-strapped 20- or 30-something, it's easy to get freaked out by finances. But you're not doomed to spend your life drowning in debt or mystified by money. It's time to stop scraping by and take control of your money and your life with this savvy and smart guide.
Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn't just cover boring stuff like credit card debt, investing, and dealing with the dreaded "B" word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:
- Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material?
- Managing student loans without having a full-on panic attack
- What to do when you're out with your crew and can't afford to split the bill evenly
- How to get "financially naked" with your partner and find out his or her "number" (debt number, of course) . . . and much more.
Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let's #GYFLT!
If you're a cash-strapped 20- or 30-something, it's easy to get freaked out by finances. But you're not doomed to spend your life drowning in debt or mystified by money. It's time to stop scraping by and take control of your money and your life with this savvy and smart guide.
Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn't just cover boring stuff like credit card debt, investing, and dealing with the dreaded "B" word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including:
- Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material?
- Managing student loans without having a full-on panic attack
- What to do when you're out with your crew and can't afford to split the bill evenly
- How to get "financially naked" with your partner and find out his or her "number" (debt number, of course) . . . and much more.
Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let's #GYFLT!
288 pages, Paperback
First published May 2, 2017
1590 people are currently reading
13274 people want to read
About the author
Erin Lowry
12 books166 followersERIN LOWRY is the author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together and Broke Millennial Takes On Investing: A Beginner's Guide to Leveling Up Your Money. Her first book was named by MarketWatch as one of the best money books of 2017 and her style is often described as refreshing and conversational. Erin's appeared on CBS Sunday Morning, CNBC and Fox & Friends. She has written for Fast Company, Cosmopolitan Magazine and Refinery29 and regularly speaks at universities and conferences around the country. Erin spent most of her childhood living in Asia, but now settled in New York City with her husband.
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Displaying 1 - 30 of 669 reviews
August 13, 2017
I heard her interview with Jean Chatzky on HerMkney podcast and while I found the interview slightly lackluster, I am a personal finance junkie and was interested in the millennial POV.
Soooooo I'm not quite sure why I didn't like this book. Perhaps I like a person who has crawled through their debt wreckage, learned some hard lessons and is here to give nuts and bolts. Maybe that's it? I found her so patronizing! She hasn't had to deal with too many issues thanks to her parents being great at finance. And maybe the real book should have been a colloberation with her parents about family finance and how to avoid student debt, credit cards, etc. instead of her almost gloating about student loans and 401k contributions. Most of her chapters were like "I hope you did this! If not, you're screwed!" It's almost like she is aiming at the wrong demographic or age group with this book- weird, I know, but I just had to really plow through this book. It was cutesy and while generally well written, it didn't capture my attention and interest. I think we will see some more cool offerings from this author in the future, but hopefully it's not as smug.
Soooooo I'm not quite sure why I didn't like this book. Perhaps I like a person who has crawled through their debt wreckage, learned some hard lessons and is here to give nuts and bolts. Maybe that's it? I found her so patronizing! She hasn't had to deal with too many issues thanks to her parents being great at finance. And maybe the real book should have been a colloberation with her parents about family finance and how to avoid student debt, credit cards, etc. instead of her almost gloating about student loans and 401k contributions. Most of her chapters were like "I hope you did this! If not, you're screwed!" It's almost like she is aiming at the wrong demographic or age group with this book- weird, I know, but I just had to really plow through this book. It was cutesy and while generally well written, it didn't capture my attention and interest. I think we will see some more cool offerings from this author in the future, but hopefully it's not as smug.
July 12, 2017
While I am pretty savvy when it comes to budgeting, I only know the basics. It is important to know all you can with finances, but I admit it has always overwhelmed me, so I was looking forward to reading this and gaining more insight and knowledge. Broke Millennial is a good read for cash-strapped 20 or 30-somethings, ready to stop living paycheck-to-paycheck and tackle those financial difficulties and situations. Broken down into 18 chapters and an epilogue, Lowry offers practical input on everything from budgeting to getting out of debt, to investments and retirement. You can either read from front-to-back, or skip ahead to sections that are best suited for your current situation. Each chapter ended in a brief, bullet-point breakdown to make sure you read everything that was covered.
As someone who has yet to graduate college, but is already thinking ahead, I found Lowry’s advice and guidance to be realistic and smart– without any condescending tones, it was like chatting with a friend who wanted to offer the best way to go about financial planning. I’ve already recommended this book to a few friends, and share bits of information whenever it happens to come up in a conversation. This was a lighthearted and at times funny, easy-to-maneuver financial self-help guide that removed the stress surrounded by finances–it is a great introduction with approachable steps at gaining control of your money.
I received a copy in exchange for an unbiased review from the publisher. All opinions are my own.
As someone who has yet to graduate college, but is already thinking ahead, I found Lowry’s advice and guidance to be realistic and smart– without any condescending tones, it was like chatting with a friend who wanted to offer the best way to go about financial planning. I’ve already recommended this book to a few friends, and share bits of information whenever it happens to come up in a conversation. This was a lighthearted and at times funny, easy-to-maneuver financial self-help guide that removed the stress surrounded by finances–it is a great introduction with approachable steps at gaining control of your money.
I received a copy in exchange for an unbiased review from the publisher. All opinions are my own.
June 8, 2018
This book...isn’t terrible, but it’s not amazing either. While it was easy to read with a conversational tone and easy to digest, it didn’t exactly suck me in. I think I’m the wrong audience for it, even though I’m technically a very old Millennial. (Or a baby Gen Xer. Or a Xennial. Generation Oregon Trail? Generation Catalano?! I’m part of that weird in between group that doesn’t quite fit in either generation neatly.)
Once I realized the author is in her early 20s, I switched from reading this book as a way to enrich myself and went instead with seeing if it’s a good book for other baby Millennials like herself or the oldest of the Gen Z kids. And I think that’s who would benefit most from reading this: young adults who are getting ready to leave home for a career or college or those who just graduated and are moving on to the work force. People who have all of the time in the world and are just starting out. It contains very little advise or information for anyone much older than 25. Truthfully, this book just made me feel cranky and old. It seemed like the answer to everything was to get started early (well under 25) or You. Are. Screwed. It wasn’t exactly an uplifting and motivating read for me. This book also heavily focused on Big City Lifestyles which made it difficult to relate to and can read as smug or condescending if you get resentful from hearing about City People doing City Things all of the time. (Does anyone besides an urban socialite relate to bottomless mimosas as a Thing?)
I think this is a great resource for a teen or early 20-something in your life who may need a solid, easy-to-read book on the basics of personal finance and why they need to care about saving money and how to get started. For anyone else? You should probably pass.
Once I realized the author is in her early 20s, I switched from reading this book as a way to enrich myself and went instead with seeing if it’s a good book for other baby Millennials like herself or the oldest of the Gen Z kids. And I think that’s who would benefit most from reading this: young adults who are getting ready to leave home for a career or college or those who just graduated and are moving on to the work force. People who have all of the time in the world and are just starting out. It contains very little advise or information for anyone much older than 25. Truthfully, this book just made me feel cranky and old. It seemed like the answer to everything was to get started early (well under 25) or You. Are. Screwed. It wasn’t exactly an uplifting and motivating read for me. This book also heavily focused on Big City Lifestyles which made it difficult to relate to and can read as smug or condescending if you get resentful from hearing about City People doing City Things all of the time. (Does anyone besides an urban socialite relate to bottomless mimosas as a Thing?)
I think this is a great resource for a teen or early 20-something in your life who may need a solid, easy-to-read book on the basics of personal finance and why they need to care about saving money and how to get started. For anyone else? You should probably pass.
October 27, 2017
I learned a ton from this book. I've never really had money of my own so, when I finally start making it I find myself inexperienced on what to do with it besides trying to live paycheck to paycheck. This book really goes through nicely on all the things that school and parents have failed to teach me about. (Seriously, personal finance should be taught in school!) Anyway, this might be a book I will check out again when I have more of finances in order to read the investing chapters again. Right now, I'm looking into switching saving accounts. Yes, read this book! I highly recommend!
Here is the one beef about the book that I do have is that the millennial lingo will not age well in the future. (At the same time I picked up the book because the title fits me perfectly!) Other than that the chapters are easy to read and all the other info will hold up. ~Ashley
Here is the one beef about the book that I do have is that the millennial lingo will not age well in the future. (At the same time I picked up the book because the title fits me perfectly!) Other than that the chapters are easy to read and all the other info will hold up. ~Ashley
March 2, 2018
Disclaimer: while I am a millennial, I don't really consider myself a "broke" millennial at the moment. I didn't grow up wealthy by any stretch of the imagination, so my mom taught me at a young age how to be financially savvy. But while I currently have a decent job, savings, and only a small amount of student loans, I'm planning to go back to school this fall. Since I already have a bachelor's degree and this is a full time program, my ability to work is going to be impacted and I'm definitely going to have to take out some more loans (*although fingers crossed that I'll receive some of the scholarships I applied for!*)
I had never read, or even heard of to be honest, the Broke Millennial blog. But when I saw this book I thought it would be interesting to read about personal finance from the viewpoint of someone close to my age. I hoped to gain more knowledge about the best way to utilize my savings and to prepare to pay back my student loans after graduating.
Pros
Overall, I think this book is a decent introduction to money matters. People who are starting their careers and/or who are just beginning to manage their own finances will get the most use out of it.
I did learn a few things that I plan to incorporate. The first is using an online bank, which I had never considered. Lowry talks about how savings accounts in most brick and mortar banks will only net you 0.01% in interest, where reputable online banks will offer 1% interest.
The information about student loans was helpful. I always see ads for companies refinancing student loans, and while refinancing may get you a lower interest rate, it makes you ineligible for loan forgiveness programs. Since I'm hoping to be eligible for the public service loan forgiveness program, that's good to know!
I liked the resources listed in this book. I will definitely be checking out the Student Loan Hero website. Lowry also gives some reputable sites for investing, retirement, and checking your credit score/report.
Cons
Some of the suggestions are very basic, and really just common sense. It kind of reminded me of something my mom and I were talking about recently. On the news, there was a couple (both with good jobs and steady incomes) who found themselves in quite a bit of credit card debt. They then went into how they crunched numbers, stopped using the credit cards, and made a budget so they could put as much as possible toward paying off the debt. And it's just like... this is news?? Do people not understand the concept of a budget? One of the first things Lowry suggested was analyzing your finances: how much you're bringing in each month and how much your required expenses are each month. Which is a budget! Seriously, do people not consider budgets anymore?
While I don't want to discredit Lowry's knowledge or accomplishments in any way, I do think her situation is significantly different than many millennials. I know that I'm an outlier (within my own group of friends at any rate) by having minimal debt and being a homeowner at 26. She is even more of an outlier. The vast majority of people don't have financial gurus for parents like she did, and many have significantly more debt than the average quoted in this book (whereas Lowry has absolutely none, student loans or otherwise). It sounds like she's never made a bad financial decision in her life. While the advice of maintaining a retirement fund, investing, and putting money into savings is sound, it's not super realistic for a lot of people who are living on a bootstrap. This would have been a more compelling book had her situation been comparable to other millennials (i.e. 70k in student loans, credit card debt, etc.) I was honestly more interested in some of the stories she included about people in those types of situations getting back on track. As it is, it almost feels like millennials are the wrong audience for this book.
Maybe it's just me, but I found the constant use of hashtags and acronyms annoying. Especially since I had to look up what FOMO meant (fear of missing out). While I get that Lowry wanted to make this book accessible for different situations, the constant "oh, flip to this chapter!" and "do you remember this from that chapter?" was also distracting.
In conclusion
If you're completely overwhelmed by managing your own finances then this is a decent starting place. There are some good resources for handling your student loans, where to check your credit score, and tips for building credit if you're just starting out. Some things are just common sense, like don't be too swipe-happy with your credit card(s) and don't spend more than you make. Be realistic and honest with yourself when it comes to your own finances and you're already a step ahead.
I had never read, or even heard of to be honest, the Broke Millennial blog. But when I saw this book I thought it would be interesting to read about personal finance from the viewpoint of someone close to my age. I hoped to gain more knowledge about the best way to utilize my savings and to prepare to pay back my student loans after graduating.
Pros
Overall, I think this book is a decent introduction to money matters. People who are starting their careers and/or who are just beginning to manage their own finances will get the most use out of it.
I did learn a few things that I plan to incorporate. The first is using an online bank, which I had never considered. Lowry talks about how savings accounts in most brick and mortar banks will only net you 0.01% in interest, where reputable online banks will offer 1% interest.
The information about student loans was helpful. I always see ads for companies refinancing student loans, and while refinancing may get you a lower interest rate, it makes you ineligible for loan forgiveness programs. Since I'm hoping to be eligible for the public service loan forgiveness program, that's good to know!
I liked the resources listed in this book. I will definitely be checking out the Student Loan Hero website. Lowry also gives some reputable sites for investing, retirement, and checking your credit score/report.
Cons
Some of the suggestions are very basic, and really just common sense. It kind of reminded me of something my mom and I were talking about recently. On the news, there was a couple (both with good jobs and steady incomes) who found themselves in quite a bit of credit card debt. They then went into how they crunched numbers, stopped using the credit cards, and made a budget so they could put as much as possible toward paying off the debt. And it's just like... this is news?? Do people not understand the concept of a budget? One of the first things Lowry suggested was analyzing your finances: how much you're bringing in each month and how much your required expenses are each month. Which is a budget! Seriously, do people not consider budgets anymore?
While I don't want to discredit Lowry's knowledge or accomplishments in any way, I do think her situation is significantly different than many millennials. I know that I'm an outlier (within my own group of friends at any rate) by having minimal debt and being a homeowner at 26. She is even more of an outlier. The vast majority of people don't have financial gurus for parents like she did, and many have significantly more debt than the average quoted in this book (whereas Lowry has absolutely none, student loans or otherwise). It sounds like she's never made a bad financial decision in her life. While the advice of maintaining a retirement fund, investing, and putting money into savings is sound, it's not super realistic for a lot of people who are living on a bootstrap. This would have been a more compelling book had her situation been comparable to other millennials (i.e. 70k in student loans, credit card debt, etc.) I was honestly more interested in some of the stories she included about people in those types of situations getting back on track. As it is, it almost feels like millennials are the wrong audience for this book.
Maybe it's just me, but I found the constant use of hashtags and acronyms annoying. Especially since I had to look up what FOMO meant (fear of missing out). While I get that Lowry wanted to make this book accessible for different situations, the constant "oh, flip to this chapter!" and "do you remember this from that chapter?" was also distracting.
In conclusion
If you're completely overwhelmed by managing your own finances then this is a decent starting place. There are some good resources for handling your student loans, where to check your credit score, and tips for building credit if you're just starting out. Some things are just common sense, like don't be too swipe-happy with your credit card(s) and don't spend more than you make. Be realistic and honest with yourself when it comes to your own finances and you're already a step ahead.
October 13, 2020
Винаги ме е изумявало как хората се притесняват да говорят за пари, даже когато парите са много важни. Не говорят за пари даже с приятелите и гаджетата си, даже когато ще живеят (или вече живеят) заедно.
За разлика от многото други книги за личните финанси, Ерин Лоури включва в своята не само информация как да си правим бюджет, да пестим и да инвестираме. Това, което не съм срещал до сега в друга такава книга са съветите за управлението на отношенията с приятели и роднини, свързани с парите - излизания и почерпки, купуване на общи подаръци, съжителство и брак.
Засегнати са не само финансовите измерения на изброените ситуации, а и как да навигираме чисто човешките отношения около парите: когато ни канят на сватба, за която не ни се иска да се бръкнем яко за подарък, дрехи и пътуване, когато гаджето иска да живеем заедно, но не иска да си делим наема, или пък бъдещата ни съпруга има дългове, за които не смята да ни сподели предварително.
За разлика от многото други книги за личните финанси, Ерин Лоури включва в своята не само информация как да си правим бюджет, да пестим и да инвестираме. Това, което не съм срещал до сега в друга такава книга са съветите за управлението на отношенията с приятели и роднини, свързани с парите - излизания и почерпки, купуване на общи подаръци, съжителство и брак.
Засегнати са не само финансовите измерения на изброените ситуации, а и как да навигираме чисто човешките отношения около парите: когато ни канят на сватба, за която не ни се иска да се бръкнем яко за подарък, дрехи и пътуване, когато гаджето иска да живеем заедно, но не иска да си делим наема, или пък бъдещата ни съпруга има дългове, за които не смята да ни сподели предварително.
June 10, 2019
Not a bad book overall. It's a nice introduction to money topics—probably a little bit basic for someone my level (I have a graduate degree in finance), but a nice, easy-to-read introduction to money. There were some topics that deserved more mention (Vanguard brokerage accounts, anyone?) and I would have liked to see a bit less "hashtagging" and millennial slang (I don't use Tinder, so the "swipe left" terminology went over my head until I did a quick online search).
December 18, 2017
This was a very informative and easy to understand guide on how to manage your own finances, geared right at my age group. I found out about the book through the YouTube channel TheFinanicalDiet. While I am not actually broke, and have already successfully achieved some of the goals this book encourages, there were other areas I felt very in-the-dark about. The way the book is written, you can pick which chapters you want to read, and which to skip. I only skipped a couple chapters that were irrelevant to me, and read the rest, even if I was already successful in that area, because it was good to confirm the strategies I already use or learn something new about it. The book has been helpful in making some changes and knowing how to make those changes the right way. I would definitely recommend for anyone considered a "millennial", whether or not you currently struggle with money.
August 2, 2017
This is a great primer. Some of the cutesy jokes and parenthetical asides (so much about Snapchat and nudes...don't care) didn't work for me but the advice is solid and matches up with the personal finance literature I've read thus far. Good use of real life examples. Wish there had been some more history about the Great Recession/housing bubble, and maybe even about privilege? Avoids being too patronizing and stays pretty positive and can-do about paying off serious debt, which most of us have. Inspired me to rework my budget. Tempted to get a copy for my younger sister.
June 1, 2021
I was toying about giving this book as a high school graduation present and decided to read it to see if it would be actually useful for someone in that position. Basic concepts and terminology were explained well in a way someone could relate to and remember. It also included good bits of advice I wish I had understood or learned when I was starting out. You aren’t told what exactly to do as it takes a more open approach and encourages you to think about your individual situation. I believe this would be a good finance advice book for someone who is new to personal finance and may be intimidated by all the information out there on the subject. So yes, I am definitely gifting this book.
April 12, 2022
It was *okay*. My biggest complaint or thing I felt uncomfortable with is that the author mentioned numerous times at the beginning of the book that they’ve always been good with money and came from a financially smart household, and that has helped her never really financially struggle.
I’m the complete opposite of that and felt sort of talked down to because I don’t really know what I’m doing when it comes to paying off debt, but her parents taught her from a young age how to be financially smart. It was just a little difficult to read knowing the author personally hadn’t experienced much of what she was writing about (besides a few times)
I’m the complete opposite of that and felt sort of talked down to because I don’t really know what I’m doing when it comes to paying off debt, but her parents taught her from a young age how to be financially smart. It was just a little difficult to read knowing the author personally hadn’t experienced much of what she was writing about (besides a few times)
September 19, 2017
It was okay but really for people who had NO knowledge of financial stuff. I KNOW what i need to do i just cant do it bc of my debt. It doesnt have the solution for what to do when running at a deficit every month (spend less but i make so little....)
January 6, 2023
2.5 stars. I was not a fan of the way the author spoke to the reader during parts of the book. I did appreciate some of the resources and links she provided.
January 13, 2024
Starting the year off with a new finance book should be a requirement.
July 12, 2020
Everyone and I mean everyone, who is struggling and even not struggling with money should take the time to read this book.
September 4, 2024
A lot of good information in here, but probably due for a revised edition soon to reflect how the financial landscape has changed post-Covid
April 2, 2025
3.5 ⭐️ - This book serves as an excellent starting point for those looking to take control of their finances. While the information wasn’t groundbreaking news, it has a great balance of humor and practicality, with relatable insights and actionable tips that are easy to put into practice. The book also does a great job of acknowledging the financial challenges millennials face—whether it’s the weight of student loan debt, over spending and struggling with credit card debt, navigating friendships across different income levels, or the impact of spending habits.
July 28, 2020
I enjoyed that topics I'm unfamiliar with were broken down to super basic levels (I can see that being annoying for more financially versed folk). I guess I'm a little torn because some of this just seems impossible in most of our monetary situations. I think Erin Lowry means well, but some of these savings tips aren't feasible with our income/debt, but some definitely are and I appreciate those.
It's less a criticism on her and more of wondering what degree of late-stage capitalism we were living in when she started writing this.
It's less a criticism on her and more of wondering what degree of late-stage capitalism we were living in when she started writing this.
September 13, 2022
good advice overall, but I didn’t really enjoy the writing style. I feel like the author was trying too hard to relate to the “millennial” half the time. Also it was an American finance book, so some of the stuff didn’t apply to me.
November 29, 2024
Genuinely helpful. Practical advice. Encouraging & inspiring. Good to reread. Thanks!
July 29, 2020
I looooooved this book!! I’m keeping it safe for future reference!!
September 2, 2024
Decent information, but written in that annoying 2010s millennial style (too many hashtags and quirky references).
February 26, 2025
Would recommend this for someone new to finance
September 21, 2020
Може би тази книга не беше най-добрата инвестиция, визирайки, че съм българка и то живееща във Великобритания, не в САЩ, ама, като видя книга за финанси и не мисля много - купувам и чета. :)
Ако живеете в Америка, книгата е чудесно ръководство, ако не живеете - не толкова. Има някои части, които са си универсални - преговаряне за пари и системи за правене на бюджет, както и съвети за това как да общуваш с партньор, родители и приятели относно пари, но пак тези съвети са на база американската реалност и човек трябва малко да си ги преобразува към неговата си.
Милениумският (ще ми се да имаше такава дума XD) жаргон малко ми дойде в повече и се депресирах адски много като стигнах частта с инвестирането. Опитах се да не се самосъжалявам и да не скърбя за всички пропуснати ползи и възможности ако само се бях родила в страна, в която банките не те съдират на дневна база, получаваш добра заплащане и има инструменти за инвестиране и пенсиониране. Та, книгата стартира петте етапа на приемане загуба и смърт. Та, сега ще си минавам през тях, докато стигна до момента на приемане, че моят живот е това, което е. Откровено не очаквах така тъжно да ми повлияе тази част от книгата, тъй като не е първият път, в който агресивно чета за инвестиране, тъй като съм на тази част от финансовия си план, но ме натъжи и накара да скърбя. А, може би е било време да стигна до този момент, за да продължа напред. Ще си проличи. :)
Ако живеете в Америка, книгата е чудесно ръководство, ако не живеете - не толкова. Има някои части, които са си универсални - преговаряне за пари и системи за правене на бюджет, както и съвети за това как да общуваш с партньор, родители и приятели относно пари, но пак тези съвети са на база американската реалност и човек трябва малко да си ги преобразува към неговата си.
Милениумският (ще ми се да имаше такава дума XD) жаргон малко ми дойде в повече и се депресирах адски много като стигнах частта с инвестирането. Опитах се да не се самосъжалявам и да не скърбя за всички пропуснати ползи и възможности ако само се бях родила в страна, в която банките не те съдират на дневна база, получаваш добра заплащане и има инструменти за инвестиране и пенсиониране. Та, книгата стартира петте етапа на приемане загуба и смърт. Та, сега ще си минавам през тях, докато стигна до момента на приемане, че моят живот е това, което е. Откровено не очаквах така тъжно да ми повлияе тази част от книгата, тъй като не е първият път, в който агресивно чета за инвестиране, тъй като съм на тази част от финансовия си план, но ме натъжи и накара да скърбя. А, може би е било време да стигна до този момент, за да продължа напред. Ще си проличи. :)
October 7, 2021
Save more money is a good goal, but being financially literate is better. A.K.A. understanding the system so your money is working for you. Simply switching savings accounts with a higher apy will help you big time.
Don’t know what net worth, APY, or the difference between a Traditional vs. Roth IRA is? Don’t worry I didn’t either and many schools do not teach personal finance. Yes, I’m bitter about it. My school only taught me how to write a check my junior year and I’ve written exactly 0 checks. I have been on finance journey since 2017, and I’ve improved every year and this was the book I got started on and I recommend it every time. Not a millennial you say? Not a problem, don’t that let that discourage you from reading this book. Think about it as a modern advice on personal finance, because most likely some things becoming outdated or you may learn something new.
Money and life are complex issues, if you are in need or find yourself in a situation where a personal finance book won’t fix. Please, speak with our information staff to help find community resources and materials to help you. -Ashley
Don’t know what net worth, APY, or the difference between a Traditional vs. Roth IRA is? Don’t worry I didn’t either and many schools do not teach personal finance. Yes, I’m bitter about it. My school only taught me how to write a check my junior year and I’ve written exactly 0 checks. I have been on finance journey since 2017, and I’ve improved every year and this was the book I got started on and I recommend it every time. Not a millennial you say? Not a problem, don’t that let that discourage you from reading this book. Think about it as a modern advice on personal finance, because most likely some things becoming outdated or you may learn something new.
Money and life are complex issues, if you are in need or find yourself in a situation where a personal finance book won’t fix. Please, speak with our information staff to help find community resources and materials to help you. -Ashley
September 2, 2022
This is a humorous and factual personal finance book targeted at millennials.
5/5 stars ⭐️. This book is exactly what I needed at this point in my life. I am in the later part of my 20’s and I would say that I have been smart with my money but I could definitely be more responsible. Erin Lowry knows how to write to her target audience about a boring, anxiety ridden topic for those of us who don’t like finances. She starts at the very beginning by having the reader evaluate where their relationship with money first started and how that has impacted their relationship with money currently. Lowry’s explanations on topics are funny and to the point. Also in the beginning chapters she tells you where to skip to in the book based on what you already know and where you a presently at with your finances. My plan was to read the book cover to cover but one of the longest chapters was on student debt and I am one of the lucky ones who doesn’t have any so i skipped that chapter. I learned something new about banking and money on every page, but the sections that really captured my attention were on the topics of budgeting, credit cards, bank accounts, investing and getting a financial planner. It kind of made me want to become a financial planner but a good book will do that to you.
5/5 stars ⭐️. This book is exactly what I needed at this point in my life. I am in the later part of my 20’s and I would say that I have been smart with my money but I could definitely be more responsible. Erin Lowry knows how to write to her target audience about a boring, anxiety ridden topic for those of us who don’t like finances. She starts at the very beginning by having the reader evaluate where their relationship with money first started and how that has impacted their relationship with money currently. Lowry’s explanations on topics are funny and to the point. Also in the beginning chapters she tells you where to skip to in the book based on what you already know and where you a presently at with your finances. My plan was to read the book cover to cover but one of the longest chapters was on student debt and I am one of the lucky ones who doesn’t have any so i skipped that chapter. I learned something new about banking and money on every page, but the sections that really captured my attention were on the topics of budgeting, credit cards, bank accounts, investing and getting a financial planner. It kind of made me want to become a financial planner but a good book will do that to you.
June 26, 2017
This is a is a book that is much needed in today's world, full of mammoth student loans and unpaid internships and all sorts of nonsense that makes it so difficult to save money for anything substantial.
Lowry explains concepts easily, with a strong sense of self-awareness as well as a sense of humor. The book is well-organized and highly motivating. I would recommend this book to anyone ("millennial" or not) who needs positive advice regarding their personal finance issues and goals. Very impressed with how it managed to be super practical without being boring in the least.
Lowry explains concepts easily, with a strong sense of self-awareness as well as a sense of humor. The book is well-organized and highly motivating. I would recommend this book to anyone ("millennial" or not) who needs positive advice regarding their personal finance issues and goals. Very impressed with how it managed to be super practical without being boring in the least.
June 3, 2019
Some good, solid advice for managing your personal finances. Some of the information I already knew, some was new to me, but overall this book motivates me to try to do a better job of managing my budget. We'll see how much progress I can make in the next few months!
May 13, 2020
The book was really informative and might as well be a perfect book for adulting for young people. The target audience is who need some directions in their college life and later. However, if you are 30+, then some chapters might become condescending and make you feel stupid not setting up a retirement account or not doing this or that.
January 26, 2021
Just an okay book. I knew a lot of the things going in. I recommend for those who know nothing about how to save or pay off debt. Entertaining for sure.
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