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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)

3.97  ·  Rating details ·  2,242 ratings  ·  306 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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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: non-fiction, 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 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: non-fiction, ashley
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).
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.
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
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!
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.
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.
Blaise Haddow
Jan 16, 2018 rated it really liked it
Shelves: self-help, reference
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.
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).
Sarah Lefebvre
Oct 10, 2018 rated it really liked it
Preface, I know absolutely nothing about money. It was a taboo subject growing up so I’ve just sort of been cluelessly tapping my credit card at whatever pretty thing I’ve convinced myself I needed that day and then having serious buyers remorse later. So needless to say I am the exact demographic that this book was written for.
I loved the way everything was broken down into simple manageable steps, and that it was written so you could skip around to the sections you needed most without being t
Candice Crutchfield
Jan 20, 2019 rated it really liked it
“Money is already a taboo subject to discuss in our culture, so speaking up about not having enough or not finding value in the same things as your friends seems socially repugnant.”

Attempting to get my financial life in check, I picked up this book because, well, let’s be honest, I’m a broke millennial. Despite an introductory finance class back in high school, my “money knowledge” is quite laughable, especially as a recent college grad and someone trying to make it work in the big city. From e
Jennifer Schultheis
Jul 21, 2018 rated it really liked it
Shelves: just-for-me, library
Broke Millennial by Erin Lowry is filled with pretty good information. Especially, for people who don't already know the do's and don't of financial affairs. I've been on a financial kick lately and consistently follow Dave Ramsay, and this book was recommended by another follower, so I thought "what the heck" and decided to give this a read. Any of the info worth following, I already knew, so it didn't provide me with any extra knowledge, I didn't already have. This book is good for those who h ...more
Giselle Marquez
May 29, 2019 rated it liked it
This book is great for explaining “new” concepts of money to teenagers and college students who don’t have a clue on how to financially take charge of their money. It’s puts everything in very simple words, so you don’t get confused with all the big financial lingo. It explains concepts in a very entertaining way in which initially one would be bored in or not understand entirely. I will say the book is more of a “if you are at this chapter in your life, go to this chapter” which is very helpful ...more
Apr 29, 2020 rated it liked it
This book is a great place to start for young adults looking to learn the basics of personal finance. I really wish I had read it while I was still in college. I have to admit, though, a lot of the information in it was not new to me, as I’ve been working over the past three years to gain a solid understanding of personal finance. That said, I still learned a decent amount, and I think this will be a good reference for me going forward. The tone could be frustrating and a little out-of-touch at ...more
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
May 03, 2018 rated it really liked it
Doesn't have anything I didn't already know, but I think it's a fantastic intro for a millennial who wants more than the basics from a perfective of their stage of life. Helpful sections which help you determine whether you're doing well with regards to your finances and what is the next best step to get better, without immediately throwing you in the deep end.

Great for finance newbies, but nothing here for hardcore money nerds other than something else to unsuccessfully encourage their friends
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#debtfreecommunity: May: Broke Millennial 1 14 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)
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