Broke Millennial: Stop Scraping By and Get Your Financial Life Together (Broke Millennial Series) by Erin Lowry (PDF)

Description

WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICKStop 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!

User’s Reviews

Editorial Reviews: Review “This book is well worth its list price….It’s the youthful perspective that makes this so refreshing. It’s well-written and researched by a millennial for millennials…without the judgment, sarcasm and superiority we older folks too often convey when we talk to young adults about money.” —Michelle Singletary, The Washington Post“A new book about money that teens and millennials will actually read…. This not only has great insights and tips about handling money, but it’s written in a casual, relatable way.” —Time “Broke Millennial does a great job of presenting practical how-to money advice in a conversational way…. The tone is one that makes you feel like, ‘we’re all in this together,’ and not the typical talking to you like you’re a kid that you often find in other books geared toward young adults.”—Jason Dorsey, bestselling author, millennial expert, and president of The Center for Generational Kinetics “It’s a price worth paying to own a helpful book like Broke Millennial. Erin Lowry explains nearly everything consumers need to know about finances, in layman’s terms and simple steps. Best of all, though it’s meant for 20-somethings, this book isn’t specific to them: you really can give it to a wise middle-schooler or a grownup in need of the info. For anyone old enough to read this book, Broke Millennial won’t be a bust.” —Twin Cities Business Magazine“If you haven’t quite got the hang of ‘adulting,’ follow Erin Lowry’s spot-on, often funny financial advice. You’ll be inspired by how she successfully sidestepped student loan debt, negotiated a 40% (yes, 40%!) raise, and managed to tackle a host of thorny money situations. Best of all, Erin reveals how you can do all this too. Broke Millennial is not your typical personal finance book. This is the wisdom I wish I had in my twenties and early thirties!” —Lynnette Khalfani-Cox, cofounder of AskTheMoneyCoach.com and New York Times bestselling author of Zero Debt: The Ultimate Guide to Financial Freedom “Broke Millennial takes the typical preaching and finger-wagging out of money lessons and replaces them with humor, empathy and a fun, pick-your-financial-path twist, while offering helpful and practical advice to successfully navigate all the financial questions you’ll face in the real world.” —Farnoosh Torabi, financial expert and host of the award-winning podcast, So Money “The ultimate millennial guidebook on money matters…. I highly recommend it.” —Jason Vitug, bestselling author of You Only Live Once: The Roadmap to Financial Wellness and a Purposeful Life“Every generation has its definitive money book, and in many ways, Broke Millennial captures the financial zeitgeist of this generation so perfectly.”–Farnoosh Torabi, personal finance expert and author of You’re So Money “I like the focus on younger people because a lot of finance books are for upper-class, middle-aged people.”–Gaby Dunn, author of Bad With Money and host of the podcast of the same name”My go-to personal finance book when I am working with millennials…. It’s filled with practical step-by-step instructions and guides that any twenty- or thirty-something can easily use to change their financial situation.”—Lauren Greutman, Frugal Living Expert at Lauren Greutman.com “Rich with specific advice to guide readers on the path to financial wellness. Millennials who may be overspending because of #FOMO need to read this book stat!” —Bobbi Rebell, author of How to Be a Financial Grownup: Proven Advice from High Achievers on How to Live your Dreams and Have Financial Freedom “Thinking about money, especially when you don’t have much, can be painful. But Erin Lowry shows that you don’t need to be a mathematical genius to get on the right track. She makes it easy for people to build a financially healthy plan for life. Spend some time with this book, and your financial decisions and confidence will improve, no doubt.”—Nicholas Clements, cofounder of MagnifyMoney.com”If you’re looking for a book to give to a recent grad, your friend who has no idea what a budget is, or just want to read a personal finance book from someone like you who’s been there…you absolutely need to grab a copy of Broke Millennial.”–Jessica Moorhouse, host of the Mo’ Money Podcast, founder of Millennial Money Meetup, and co-founder of Rich & Fit. About the Author ERIN 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. Excerpt. © Reprinted by permission. All rights reserved. Chapter 1Money Isn’t the Worst! Seriously.In the summer of 1996, a glazed Krispy Kreme donut changed my life. Well, okay, not just one donut: five dozen Krispy Kreme donuts.It all began on a humid morning in North Carolina when my mom decided to engage in one of the most dangerous and cutthroat suburban activities: hosting a yard sale.As my sister and I watched her spend the week leading upto it preparing to sell off our unused goods to flocks of women wearing elastic-band sweatpants and scrunchies (this was the nineties, after all), an idea began to germinate in my seven-year-old mind. If people were willing to hand over their hard-earned cash for a used Abs of Steel video at 7:30 in the morning, wouldn’t they be likely to fork some over to buy donuts from twoadorable children?Suddenly, visions of Toys”R”Us store aisles—and, more specifically, a Nerf Super Soaker I’d been coveting—started to dance in my head.I pitched the idea to my parents. After a little deliberation, my dad offered to be my backer and stake the capital required to fund my enterprise—as well as drive the car to pick up the donuts. (Again, I was seven.)My four-year-old sister, Cailin (no, this is not a typo—that’s her real name), and I set up shop using our Fisher-Price picnic table as our storefront. I strapped a teal fanny pack around my waist to hold my earnings, donned my purple baseball cap, and we were open for business.Cailin and I spent the morning of the yard sale calling out to haggard-looking shoppers, neighbors walking their dogs, and gaggles ofneon-track-suited moms. We implored them to purchase a glazed Krispy Kremedonut for the inflated price of 50 cents. And slowly but surely, the combination of my sister’s doe-like eyes and my enthusiastic sales pitch won them over.Handing over those donuts to die-hard garage sale enthusiasts and kind neighbors felt like grueling work during an early morning of summer vacation. Finally, with the last donut sold, I peeked into my fannypack knowing the Super Soaker was mine. Feeling the weight of all those quarters, I imagined I could even buy two Super Soakers and be the ultimate warrior of water fights at the pool.Then everything went horribly wrong.My dad strolled over and asked to see the earnings. After having been subjected to seven years of his tyrannical “candy tax” at Halloween (he claimed first dibs on our loot because he chaperoned the trick-or-treating, which set me up nicely to understand taxes in my first real-world paycheck), I clutched the fanny pack to my chest, refusing to show him.My dad took the fanny pack, dumped our earnings on ourpicnic table, and carefully counted out the coins. He then proceeded to give me my first lesson in economics.“You have thirty dollars here,” he said.“Yes,” I confidently replied. “I am going to Toys“R”Us.”He looked at me and smiled in that all-knowing way parents do, which left me with a sense of foreboding brewing in the pit of my stomach.“Well, it cost me eight dollars to buy the donuts you sold,” he said while he picked up eight dollars in quarters. “Then you had Cailin help you sell them, so you need to pay her.” He handed my four-year-old sister six dollars. “So, after expenses, your net profit was sixteen dollars.” He smiled while pushing the remaining piles of quarters toward me.I had never felt so cheated in my life.Rather than convincing me that my dad was out to swindle us, the Krispy Kreme experience instead has become the cornerstone of my personal finance education. What my dad’s lesson started was a long traditionof my parents teaching us essential lessons about money through the use o freal-life examples, which are still fresh in my mind 20 years later.Even if you feel that taking a child’s hard-earned donut money is cruel—which, in retrospect, I no longer do, and I could very likely do the same one day to any future kids I may have (hey, apples don’t fall far from trees)—these financial lessons served me well when I eventually struck out on my own. For example, they enabled me to get off parental welfare only three weeks after college and muster the confidence to move to New York, knowing I would survive there as an independent early-twentysomething. And even when I wasn’t making much, my parents’ lessons instilled in me a sense of empowerment over the issue of money rather than ulcer-inducing anxiety.I quickly learned many of my fellow twentysomethings (and even thirtysomethings) don’t have that feeling of empowerment.Sitting over sober-up cups of coffee in the wee hours ofa New York City morning, my friend Lizzie began to complain about her job working as an assistant to two high-powered executives at a major network—a job she hated with a passion, but it was a steady paycheck and provided insurance.“Okay, so why don’t you quit?” I asked. “The whole point of moving to New York was to try your hand at acting anyway, right?”Lizzie nodded.“Well, you’re twenty-three with no student loans, no debt, no kids, no husband—doesn’t this seem like the right time to be working crappy waitressing jobs and nannying some Upper East Side brats in the name of pursuing your art?” I pressed.“I don’t know—money just really stresses me out!” she burst out. “I just don’t pay attention to it and then hope I have enough at the end of the month.”Her terrified response startled me. If a smart, savvy young professional like Lizzie, who came from a family of comfortable means and carried no student loan debt, couldn’t handle her relatively simple finances without freaking out, what did that mean for everyone else our age?Wondering if Lizzie’s experience was a common problemwith my peers, I started asking around. Without fail, everyone responded with some version of Lizzie’s protest: Money was stressful, confusing, scary, and not to be discussed. No one wanted to touch the subject, even while wearing a hazmat suit. But not only was this fear keeping my friends from trying to understand how money worked; it was also preventing them from taking risks to get ahead in their careers and even perpetuating the deadly cycle of living from paycheck to paycheck with no plan for the future.As I thought about this, I wondered, Why don’t I feel the same way? Am I missing something?Then it dawned on me that growing up with parents who constantly used real-life moments to teach me about money (and deprived me of two Super Soakers) had prepared me to handle my financial affairs, and my fellow millennials hadn’t benefited from such preparation. But after seeing what money fears were doing to Lizzie and others, I needed to find a way to help other millennials experience what I had. So I decided to do what any slightly bored-at-work millennial would do: I started a blog about it.BrokeMillennial.com launched as a place where I could take stories from my own life experiences and use them to talk about money as away to take the anxiety and confusion out of personal finance. It became my mission to prove that if I, a journalism and theater double major with a deep-rooted hatred for math, could become financially literate, then so could anyone else. While my parents were responsible for laying the groundwork for my financial literacy, I’ve always been intrigued by how money worked as well.Despite my aforementioned loathing of mathematics, numbers that were attached to dollar signs seemed to make sense to me. While I never focused on finance in college, I started reading books about personal finance basics like budgeting styles and credit scores and then moved on to studying economics and investing.These topics would find their way onto the blog as I continued to use a storytelling style to demystify basic financial concepts. Over time, I’ve cultivated and built strong financial skills and a deep knowledge of all money matters.All of this occurred in the midst of trying to figure out my own financial life and dealing with common millennial scenarios, like notknowing how to negotiate properly for a raise, or working three jobs to make ends meet (I ate a lot of leftovers from a certain well-known mermaid-logo-using coffee chain), or trying to figure out how to set up a 401(k), or learning to stand up for myself in awkward financial situations with friends, or trying to handle moving home after college, an unfortunate reality many young professionals are forced to take these days. Not only have I survived all of these very real and important twentysomething life experiences,but I started sharing some of them on the blog, and now I’m laying my thoughts out for you in this book.As the site began to gain a following—first by just friends and family, then a few hundred readers, and eventually thousands—my writing and thoughts on personal finance also started to catch the attention ofthe media. Since then, I’ve become a go-to expert on millennial personal finance, which has landed me on CBS Sunday Morning and gotten me quoted and interviewed in outlets including The Wall Street Journal, USA Today, Marketplace, NBC News, New York magazine’s Web site The Cut, Mashable, and Refinery29, as well as a contributor position with Forbes.Broke Millennial also led me to a new job at a Fin Tech start-up focused on comparing financial products for users. Under the guidance of the cofounders, who had illustrious careers in banking and a combined 30 years of experience between them, I began to learn the ins and outs of how banks make money and develop their financial products, and the common tricks and traps of dealing with financial institutions. Eventually, I even progressed to taking Certified Financial Planner courses to officially authenticate my knowledge on the subject of all things personal finance.After writing the blog for four years and consulting both friends and complete strangers about basic personal finance topics, it’s clear to me how much anxiety about money still exists, especially for young people like you, and this needs to be fixed now. Failure to do so means you may not be able to afford the kids (or pets) you want to have, there will be no money for your 30-before-30 or 40-before-40 lists, or you’ll do those things in lieu of saving wisely, and then you’ll have to work until you kick the bucket because you chose to do your whole bucket list first. This may sound dramatic, but the point is that a lack of basic financial education sets you up to be sucked into the stressful black hole of the paycheck-to-paycheck cycle.The good news is that you can break free of that (or avoid it entirely), and I’ll show you how. Despite what Wall Street and some media outlets want you to believe, money isn’t complicated, and it doesn’t require complex formulas. Financial empowerment does, however, require taking actionable steps toward improving your situation, and I’m here to help you figure out those steps.I Hate Boring Financial Stuff, So Why Shouldn’t I Put This Book Down Right Now?First of all, this book isn’t a boring lecture on money. (The world doesn’t need another one of those.) It’s more like a “choose your own adventure” guide to learning about personal finance. Whether you read it chronologically or flip through at random (it makes great bathroom reading material, believe it or not), each chapter will give you actionable advice on how to improve and further strengthen your relationship with money.The first few chapters lay the foundation for you to embark on your journey toward building a healthy financial life. I’ll help you determine what your approach is toward money and what psychological blocks or pitfalls may surround it for you, as well as show you how to assess your financial know-how and improve it. Then we’ll tackle a host of topics ranging from budgeting to credit cards, paying down debt, and managing student loans.Many of the chapters address sticky situations millennials specifically face, such as negotiating your salary, navigating those awkward times when friendships and finances collide (like what to do when you can’t afford to split the dinner bill evenly with your pals), and getting financially naked with your partner. You’ll even learn a bit about investing, buying a house, and saving for retirement—and yes, all of those are possible, regardless of how much (or how little) you earn right now.Though each chapter features stories of my own triumphs and failures in money matters, it’s not just me guiding you through this book.You’ll also hear from plenty of other millennials who figured out how to manage money successfully through their own missteps and industry, and financial experts offer lots of tips and tricks that will turn any financially clueless reader into a financially confident one.You can take your sweet, sweet time with this book. Read a chapter at random when you need to spend some quality time in the Whiz Palace or flip to the retirement chapter when you start a new job and have no clue how to handle a 401(k). Maybe you just want to read about someone else screwing up and then figuring out how to make it right. There will be some financial jargon and charts and stats in this book, but it’s mostly a safe space for you to learn about money with more than a dash of humor. By the end, you’re going to feel confident instead of terrorized each time you balance your budget. Like I said, managing your money can be enjoyable . . . and even, dare I say, fun.Before you start the adventure, and even if you eventually jump around and read chapters out of sequence, I encourage you to first digest chapters 2 and 3 to help you establish your money mental blocksand financial baseline. Okay, Broke Millennial, let’s get your financial lifetogether. #GYFLT Read more

Reviews from Amazon users which were colected at the time this book was published on the website:

⭐One of my most significant complaints about personal financial literature is that it comes from people who have a base level of wealth, often much older and out of touch with what it’s like to be broke in our current economy. Much of the advice given is “pull yourself up by your bootstraps” and doesn’t recognize the real challenge in making and keeping money. That’s why I was initially interested in The Broke Millenial, and it did not disappoint. The book details many aspects of personal finance like paying down debt, living with your parents, revealing your financial status with your partner, investing, and credit. It approaches these topics from a non-judgemental “hey, I’ve been there” kind of attitude, making the topics a lot more approachable.The book starts by discussing different financial situations common for young people today to help identify what areas you need help in. It then guides what chapters are most important for you to go over. She discusses that the book is meant to be read out of order, that it’s structured in a way where you can flip to any chapter when the information is relevant and get a refresher on what to do. There are so many covered topics that are incredibly helpful for any financial situation.I liked the book because she acknowledged that financial advice is often out of touch with how humans behave and that some things that technically cost more save money in the long run. For example, she mentions the debt avalanche vs. snowball method and how while avalanche technically pays the lowest interest, most people can’t sustain that level of dedication. It’s demotivating to try to tackle a mountain. Another thing I liked was that she gave a lot of practical advice I wouldn’t have considered like utilizing a financial advisor even if you don’t have wealth and how to know which advisor to choose. I also loved the light-heartedness of the book. One of the things I didn’t like was her use of “hip” humor to try to appeal to her audience. Maybe it’s because I’m Gen Z, but a lot of the jokes referencing things like swiping on Tinder, etc., that were trying to appeal to a modern audience weren’t my sense of humor. Luckily, these jokes weren’t often, so they were easy to move on from.I would highly recommend this book to young people. It’s easier to read than economists that steep their information in statistics or hardcore “you’re broke because you choose to be” mentalities. It’s also brilliant for covering modern student debt because that’s a relatively new societal issue, and she addresses it in a very “you can’t change having the debt, so let’s form a game plan to pay it.”My favorite pieces of advice from the book were debt avalanche vs. debt snowball, the different types of budgets, and choosing a financial advisor. Debt avalanche vs. snowball (or a hybrid) discusses different strategies for paying off debt, where one focuses on the highest interest where one focuses on the lowest balance. This is important because it’s easy to try to tackle too much and get overwhelmed. The different types of budgets she presented were useful because they gave me some ideas on managing my money and things I can try to make me aware of my spending. Choosing a financial advisor was helpful because she gave good information on the credentials you should be looking for, like fee-only. Many financial advisors are just pushing products and don’t have your best interest.

⭐I really enjoyed how this book was written. It wasn’t a typical money book, there was a lot of relatable info and scenarios included. Some of the books about financials are just boring and hard to read but this one was not! I recommend for any struggling millennial.

⭐It’s ok. Quick chapters, I have read many books on this chapter. I think the author is a little bit more into herself with this book. Which kind of throws me off. Because there are so many books on this subject, I feel like this is more opinated than more was it is. Sorry to say. I stop reading after chapter 6.

⭐I typically have a hard time finishing any book I start. NOT THIS ONE. I couldn’t put it down, and while it called me out on some really poor habits that have put my finances in a really bad place, it did so kindly and I left it feeling really empowered. Not empty, “You can do it, yay! Go you!” empowered, but more “I can do this because I actually have an idea how to now, or at least where to start.” It helped too that I was grinning and laughing out loud at least once or twice a page.A little of my story: I grew up with parents who’d been disabled since birth, barely able to support our small 3-person family on nothing but welfare, about $900-$1100 a month. I started working at 13, sometimes pulling three part-time jobs while in school, because the only way we could afford anything for me as I became a teenager is if I went out and earned the money. Now a 27-year-old, in seven short years since starting school I’ve amassed over $54,000 in debt, most of that in student loans but some in credit card debt – and that debt feels CRIPPLING. I’ve been focusing on MAKING things happen in life, literally no matter the cost and realize now thanks to this book that if I don’t want to slip into bankruptcy I have to switch gears a little bit. I don’t make a whole lot, have no familial support and live in a very expensive city, so despite starting to gain traction in my career this debt seemed like this inevitable, immovable beast I’d be forced to live with, forever holding me back from building any kind of wealth or breaking the cycle of poverty. This book makes those factors seem a little less heavy and a little more workable.The strategies listed in this book are incredibly helpful and attainable, just about regardless of where you’re starting, and I find myself inspired and ready to slay the debt dragon and start making real progress toward my financial goals. Please read this book whether you are buried in debt, just have a few thousand dollars worth, or are completely debt free. You’ll never look at your paycheck(s) the same way again!

⭐I’ll keep these brief, but this book has changed me. A lot. It’s given me a desire to make my money work for me. I don’t know if that was the intent of the book but how i took it’s teachings definitely has helped me out.I got into a lot of credit card debt, i was young and had a fairly good job, and the bank gave me a large limit. Not knowing anything because hey public school does not teach you any life lessons. I blew it. Maxed it and had a lot of debt. Well damn, lets get another and i’ll use that one to pay it off. Uh oh, more debt.Honestly it’s a viscous cycle. However after years of struggling i managed to pay it off and get a clean slate. But the fear of credit stuck with me. This book has made me realise how you can make credit work for you.I’ve created budgets and percentages of my income goes off to all different pots, from savings, to my mortgage fund, my investment portfolio and emergency funds.I’m 26 and before i read this book, if i saved up £200 that was impressive. But now i’m on top of my finances and turns out i love it, i like knowing where my money goes and how to make it work for you.Honestly give it a good read, I’m just starting the second book now. Beautifully written too.

⭐I work in the financial World in Canada and I really enjoyed this book. It is a very entry-level personal finance book targeted to those in their 20’s. The book as a light-hearted tone that makes the book a very easy read. Erin lives in New York and as such, some of the advice is tailored to Americans and their versions of out RSP and TFSA. As the book keep it very light The advice carries over just remember when you read “401(k)” that means RSP (retirement savings plan) and “Roth 401k” is the TFSA (Tax-free Savings account ).The book covers the basics of the following areas, I included a recommended book to further your knowledge on each one.1. Money Self Check up – No further reading needed.2. Budgets – Further reading

⭐Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018

⭐3.Financial Products 101 – further reading

⭐I Will Teach You To Be Rich: No Guilt. No Excuses. No B.S. Just a 6-Week Program that Works

⭐4. Debt management & Student loans – further reading

⭐Debt Free By 30

⭐5. Living within your means – Further reading –

⭐The Millionaire Next Door: The Surprising Secrets of America’s Wealthy

⭐6.Negotiating your salary – further reading –

⭐Getting to Yes: Negotiating Agreement Without Giving In

⭐7. investing – further reading –

⭐The Wealthy Barber Returns

⭐8. Major life events – No further reading required.Overall I would recommend this book it was a light read and I think could be a great starting point for further knowledge and change. I do wish the book had a different title as it makes it harder to gift. like most Personal finance books I would not recommend gifting the book to someone out of the blue unless you have talked about it prior. This book especially when gifted could come across as the receiver thinking everyone else thinks they are broke/need financial help, whether it is true or not. If you are a parent or someone trying to gently help a kid or friend, I always recommend opening up a bit about your self first, saying how much a book or blog helped you, and placing your ” if you ever want to borrow it let me know” plug at the end.

⭐I bought this after seeing a few of Erin’s videos on YouTube. I’d recommend this to anyone looking to get serious about their finances for the first time. Like is mentioned in another review, the only reason I didn’t give this 5 stars is because there are large parts of the second half of the book which are very specific to the US so not all that helpful to those of us in the rest of the world.

⭐You would think the subject of money is so straight forward. But in schools we do not get taught to think like this. This is valuable reading and I suggest anyone go through this book. Especially if you are struggling.

⭐It’s a good read. Great resources and advices on stuff that we can change to get our financial life together. You have some stuff that does not apply to Europe, but nonetheless is still a good book.

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