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Broke Millennial
Cover of Broke Millennial
Broke Millennial
Stop Scraping By and Get Your Financial Life Together
WASHINGTON POST "COLOR OF MONEY" BOOK CLUB PICK
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 shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn't 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 you're out with your crew and can't 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? Let's #GYFLT!
WASHINGTON POST "COLOR OF MONEY" BOOK CLUB PICK
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 shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn't 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 you're out with your crew and can't 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? Let's #GYFLT!
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    Chapter 1

    Money Isn't 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, wouldn't 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 I'd 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—that's 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 sister's 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 dad's lesson started was a long traditionof my parents teaching us essential...

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