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

 Summary

So… you’re broke?
Yeah, me too.
But guess what? It’s not your fault. You were never taught how to handle money!

That’s where this book comes in.
Think of it as Financial 101 for millennials , written by someone who’s been there — buried in debt, stressed about bills, and tired of pretending she had her life together.

💡 What’s Inside?

This isn’t another dry finance book full of graphs and jargon.
It’s like chatting with your smart, slightly sassy older sister who finally figured out how to adult without crying.

🧾 Chapter Themes:

• “What the hell do I do with my first paycheck?”
• “How to budget when you hate budgeting”
• “Let’s talk about debt (without shame)”
• “How to ask for a raise without sounding desperate or annoying”
• “Money talks: How to discuss cash with your parents, friends, or S.O.”
• “Investing? Me? But I can barely afford avocado toast!”

🎯 Why This Book Works

Erin Lowry doesn’t pretend to be perfect.
She shares her own financial mess-ups so you don’t have to repeat them. And that makes the advice feel real, not preachy.

You’ll learn:

• ✅ The truth about credit scores (and why they matter)
• ✅ Why retirement isn’t just for old people
• ✅ How to set up a savings account that actually works
• ✅ What student loan repayment options actually exist
• ✅ How to stop comparing yourself to Instagram lifestyles

And the best part?

She gives you scripts to talk about money — yes, actual word-for-word guides to help you ask for a raise, split costs fairly, or tell your parents you still need help financially.

🧠 Real Knowledge Drop:

Here’s one big takeaway:

“Budgeting isn’t about cutting out all fun. It’s about spending on what matters to YOU — and cutting out what doesn’t.”
Spoiler alert: You don’t have to quit your latte habit to be rich. You just need to know where your money is going.

🔥 Final Verdict:

If you’re in your 20s or early 30s and feel lost about money, this book is like a GPS for your wallet . No judgment. Just solid advice wrapped in humor and honesty.