Broke Millennial: Stop Scraping By and Get Your Financial Life Together by Erin

Description: Broke Millennial by Erin Lowry "Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)! If youre a cash-strapped 20- or 30-something, its easy to get freaked out by finances. But youre not doomed to spend your life drowning in debt or mystified by money. Its 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 doesnt 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 youre out with your crew and cant 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? Lets #GYFLT!"-- FORMAT Paperback LANGUAGE English CONDITION Brand New Publisher Description A pithy and practical guide for Millennials looking for financial guidance and success, from a young personal finance expert.WASHINGTON POST "COLOR OF MONEY" BOOK CLUB PICKStop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)!If youre a cash-strapped 20- or 30-something, its easy to get freaked out by finances. But youre not doomed to spend your life drowning in debt or mystified by money. Its 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 doesnt 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 youre out with your crew and cant 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? Lets #GYFLT! Author Biography ERIN LOWRY is the author of Broke Millennial- Stop Scraping By and Get Your Financial Life Together and Broke Millennial Takes On Investing- A Beginners 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. Erins 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. Review "This book is well worth its list price….Its the youthful perspective that makes this so refreshing. Its 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 its 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, were all in this together, and not the typical talking to you like youre 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 "Its a price worth paying to own a helpful book like Broke Millennial. Erin Lowry explains nearly everything consumers need to know about finances, in laymans terms and simple steps. Best of all, though its meant for 20-somethings, this book isnt 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 wont be a bust." —Twin Cities Business Magazine"If you havent quite got the hang of adulting, follow Erin Lowrys spot-on, often funny financial advice. Youll 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 youll 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 Youre 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…. Its 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 dont have much, can be painful. But Erin Lowry shows that you dont 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 youre 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 whos 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. Promotional Based on the successful blog, a smart guide that uses wry humour and real-life examples to demystify the basics of money for Millennials. Review Quote "This book is well worth its list price....Its the youthful perspective that makes this so refreshing. Its 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 its written in a casual, relatable way." -- Time Promotional "Headline" Based on the successful blog, a smart guide that uses wry humour and real-life examples to demystify the basics of money for Millennials. Excerpt from Book Chapter 1 Money Isnt 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, wouldnt 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 Id 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--thats 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 sisters 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 dads 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 childs 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 dont 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 wasnt 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) dont 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 dont you quit?" I asked. "The whole point of moving to New York was to try your hand at acting anyway, right?" Lizzie nodded. "Well, youre twenty-three with no student loans, no debt, no kids, no husband--doesnt 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 dont know--money just really stresses me out!" she burst out. "I just dont 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, couldnt handle her relatively simple finances without freaking out, what did that mean for everyone else our age? Wondering if Lizzies experience was a common problemwith my peers, I started asking around. Without fail, everyone responded with some version of Lizzies 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 dont 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 hadnt 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, Ive 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, Ive 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 Im 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, Ive 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 magazines 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 Details ISBN0143130404 Author Erin Lowry Year 2017 ISBN-10 0143130404 ISBN-13 9780143130406 Format Paperback Imprint Tarcher/Putnam,US Place of Publication New York Country of Publication United States Pages 288 DEWEY 332.024 Media Book Subtitle Stop Scraping By and Get Your Financial Life Together Short Title Broke Millennial Language English UK Release Date 2017-05-02 Publisher Tarcher/Putnam,US Publication Date 2017-05-02 US Release Date 2017-05-02 Narrator Matthew Beard Edited by Constance Wilkinson Birth 1927 Affiliation Lecturer, University of Fort Hare Position Professor Qualifications J.D. Series Broke Millennial Series Audience General NZ Release Date 2017-05-17 AU Release Date 2017-05-17 We've got this At The Nile, if you're looking for it, we've got it. 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