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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)

3.92  ·  Rating details ·  3,585 ratings  ·  462 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 3.92  · 
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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
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
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
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
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
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
May 31, 2021 rated it it was amazing
Shelves: read-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 thi ...more
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.
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....)
Jul 29, 2020 rated it it was amazing
I looooooved this book!! I’m keeping it safe for future reference!!
Mar 04, 2021 rated it liked it
Three stars for being basic, informative, and useful on a really rudimentary level if that's what you're looking for. I feel like this is the first and most decisive information anyone wants when they're perusing reviews of a personal finance book, so - whatever else, this book defines a lot of concepts and introduces a lot of basic things if you need that.

That said, I'm not sure r/personalfinance and related subs' FAQs don't accomplish the same thing for free. But this book is easier to navigat
Bettendorf Library
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
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.
Kori ☾
Jan 26, 2021 rated it liked it
Shelves: self-help, 3-stars
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.
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
Nicole Machì
Mar 17, 2021 rated it it was amazing
I want to buy this for everyone I know! a digestible read about financial literacy
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.
Aug 10, 2019 rated it it was ok
Shelves: non-fiction
Not a bad book in terms of content, but one that felt pretty tone deaf to a millennial who didn’t grow up in a wealthy or even upper middle class family. I didn’t necessarily think the book was condescending as much as showing the naive monetary incredulity of someone who has always lucked out. I live in a well-educated and not inexpensive small city in the northeast, and the majority of people around me (including retirees and mid-career and emerging professionals) are living essentially payche ...more
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
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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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