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

(Broke Millennial #1)

3.96  ·  Rating details ·  2,836 ratings  ·  378 reviews
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
Paperback, 288 pages
Published May 2nd 2017 by Tarcherperigee
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Average rating 3.96  · 
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 ·  2,836 ratings  ·  378 reviews

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Marsha Altman
Mar 15, 2018 rated it it was ok
I'm going to give this two stars for containing useful details about finanial planning, but otherwise - FUCK YOU LADY.

This book speaks to millenials as if we are dolts who don't understand how credit cards work and spend all of our money on booze and fancy vacations. The author also makes the hilarious assumption that we all have stable, full-time jobs that provide us with 401(k)s and we have enough savings that we're not going to be wiped out by one trip to the emergency room. It's our own dam
Bonnie G.
Aug 12, 2017 rated it it was ok
Shelves: cash-money
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 fi
Coleen (The Book Ramblings)
Jul 09, 2017 rated it really liked it
Shelves: 2017, non-fiction
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 eve ...more
Jun 08, 2018 rated it liked it
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
Colona Public Library
Aug 16, 2017 rated it it was amazing
Shelves: ashley, non-fiction
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. Righ ...more
Natalie K
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). ...more
Feb 26, 2018 rated it liked it
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 ...more
Nov 29, 2017 rated it it was amazing
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 irr ...more
Jun 16, 2020 rated it it was ok
Shelves: non-fiction
Moderate coverage in blog quality depth and variation. Sadly, no management/budgeting tips aside from navigating financial packages/institutions. Not very applicable outside America/the West either, given variations in pay scales/loans/interest rates/insurance/social security/and so forth.

No debt, lower pay, and no company insurance scenarios are prevalent, particularly in the social sciences and humanities field in India. Having accepted the financial status of the field, budgeting, saving, and
Steph LaPlante
Jul 12, 2020 rated it it was amazing
Everyone and I mean everyone, who is struggling and even not struggling with money should take the time to read this book.
Aug 02, 2017 rated it really liked it
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. ...more
Sep 18, 2017 rated it liked it
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....)
Donna Hines
If you're a cash strapped 20 or 30 something this book is a good read. For those who have been dealt the "real life" problems than this book is very basic and introductory. I also must mention that I'm providing this honest review in exchange for my ARC.
If you find yourself beyond 40 and without employment this book is like putting the cart before the horse. You cannot save if you barely surviving. If income is less than your monthly bills your finished which is where I currently find myself. Wh
Jun 26, 2017 rated it it was amazing
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 impre
Sarah Miles
Jun 03, 2019 rated it liked it
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! ...more
Ausmita Sarker
May 12, 2020 rated it liked it
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.
Rachel Ann Stephens
A crash course in personal finance

Great introduction and reference book for a financial novice. Especially for a perspective post-2008 rescission where most finance I learned about was from books published in the late 90’s. The only downside of this book is that because it is in fact a book, some of the financial resources may be defunct a few years on. But the accessibility of her blog keeps you from being totally adrift.
Teddy Marcelo
Jul 28, 2020 rated it liked it
Shelves: non-fiction
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 livi
Jul 29, 2020 rated it it was amazing
I looooooved this book!! I’m keeping it safe for future reference!!
Feb 27, 2020 rated it it was amazing
One of the better personal finance books I've read and not too outside the box of traditional approaches. It's got practical advice and good organization. The best part is that it's not lifestyle preachy, while being useful. ...more
Blaise Haddow
Jan 16, 2018 rated it really liked it
Shelves: reference, self-help
Good info presented in an easy-to-digest and organized manner. This book is not going back on the shelf -- I intend to keep peeking into it as I get my financial life in order.
Candice Marie
May 12, 2017 rated it it was amazing
This is a great book to read it's got something to offer the recent grads and the seasoned personal finances vets. like myself. I love reading personal finance books because there's always something new that I can take away and apply to my money, this book I took away many new money tips. Going to try using the envelop method, also looking into the different self employed retirement options that Erin mentioned. Seriously if you need help with your finances get this book. ...more
Jun 05, 2019 rated it it was amazing
Shelves: non-fiction, finance
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. Righ ...more
Melissa Green
Jul 02, 2019 rated it it was ok
“Stop scraping by and get your financial life together”

Broke Millennial describes the bare basics that every young person starting out their career should know about personal finance. Being a millennial myself, I figured I would give this book a try. However, I was slightly bummed on just how basic this book was with the knowledge it shared. After graduating, I have read several books, blogs, and articles about personal finance because I wanted to make sure that I had some basic knowledge. So, f
Feb 06, 2019 rated it really liked it
I love this book. I think it’s so helpful. Some of the stuff wasn’t applicable to me (lol I HOPE I’ll be able to buy a house one day but today is not that day hahaha) but overall, I think this book is great. At the beginning I thought the author was maybe trying a *little* too hard to relate to millennials with all the hashtags etc., but once we got down to it, all of the content is excellent, and I didn’t even mind all of the millennial-speak. If that’s what it takes to get a non-nerdy millenni ...more
Sara Vickers
Apr 15, 2019 rated it really liked it
Loved it! Was informative, and even though she barely dives into investing, it was enough for me to take away and still feel informed, rather than confused. I'm going to be honest, it was intimidating and boring to read about the investment lingo and process, but that was only one chapter, and I'm better for it for reading it. I really like how she broke up the chapters, and it is a book you can go back to frequently depending on what financial path you are on at the moment. I skipped a few chap ...more
Feb 09, 2018 rated it really liked it
3.5 stars. I liked it, but some of it didn't pertain to me. I'd still consider getting a physical copy to take notes in. I gained a lot of insight into certain aspects of my finances (even though I'm not broke by any means). ...more
Rae Elise
Sep 05, 2020 rated it really liked it
Written more like a blog than a book, which makes sense. Glaringly informal, but good information.
Kira Munoz
Aug 04, 2020 rated it really liked it
I liked Broke Millennial: Stop Scraping by and Get Your Financial Life Together. I found this book to be helpful, even as a gen x/gen y cusper, because it gives readers tangible ways to go about saving money and paying off debt utilizing personal stories as well as utilizing tips from other finance gurus and bloggers. It was easy to understand and helped me to be able to see the areas I need to work on while also helping me see that I'm not in as bad of a place as I thought I was through some of ...more
Bianca A.
Aug 10, 2020 rated it liked it
Shelves: 2020, speed-read
Been a while since I've posted a review, sorry for the few weeks hiatus.
Yet again a book about finances that promises a lot of things with catchy phrases words that raises a huge amount of skepticism since the first moment I lay my eyes on its cover. But since I plow through this sort of literature quite easily and it's quite easy to review it too, go figure it ended on my 2020 speed-read list.
Surprisingly though, there are quite a few good ideas that our finances connoisseur Erin Lowry is prov
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#debtfreecommunity: May: Broke Millennial 1 15 Apr 13, 2019 08:15AM  

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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 ...more

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Broke Millennial (2 books)
  • Broke Millennial Takes on Investing: A Beginner's Guide to Leveling Up Your Money

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