Real Money

It’s Time to Get Our Financial Lives Together (+ Giveaway)

UPDATE: The giveaway is now closed. Congratulations to Tarah for winning a copy and thank you everyone who entered!

There’s nothing I love more than reading a good book. (I even set a goal of reading 36 books this year, and I’m already more than halfway there!) Fiction, nonfiction, YA, short stories—I’m not picky about the genre. The only requirement? That it’s good.  And Broke Millennial by Erin Lowry exceeded that.

Erin is the blogger behind BrokeMillennnial.com and kickass millennial money expert. She founded the site because she wanted a way to talk about money with fellow millennials. (If you haven’t read it yet, Getting Financially Naked with Your Partner is my favorite article she’s written and it’s been turned into an entire chapter in the book!) She’s also an inspiring entrepreneur and set out to blaze her own trail last year. So when I found out she was writing a book, I was excited to read it.

 

(I was also excited because my favorite money emoji was on the cover, just sayin’)

 

Even though I’m a HUGE money nerd and will talk about money for hours on end, I haven’t read many money books. The few that I’ve tried to read (which will remain nameless) were super outdated and honestly didn’t feel applicable to my life.

I don’t own a house or have kids or earn a crazy high salary.

I’m a 24-year old who rents a one-bedroom apartment in a pretty expensive city. I paid off my student loans last year and am trying to save for graduate school while I continue to get used to managing my money (and earn some extra on the side). Even though I think I do a good job managing my money, the truth is that I’m still at the beginning stages of building wealth.

I don’t need an expensive advisor or a complex strategy. I need a solid foundation.

And if I, someone who reads money articles for pleasure and will happily talk about budgeting for hours, am still working on building a foundation, then I imagine the rest of my peers are too.

When I started my first job after college, I had NO IDEA how my taxes worked. I was suddenly pushed into a higher tax bracket and was losing 25% of my salary each month. It took months before I realized that I was earning the lowest possible salary to be taxed that much, and it took even longer for me to learn how to fix it.

It turns out that everything I needed to know was actually in Chapter 16 of Erin’s book (page 216 to be exact) *sigh*

I’m glad that other people won’t have to learn that lesson the hard way though.

That’s why I loved reading Broke Millennial. It’s the first financial book that felt like it was actually written for me and my friends. It covers the things we talk about in real life. Like how to evenly split the bill at dinner when all you had was a water and everyone else had two glasses of wine each (ahem) and how to navigate the finances of living at home with your parents when you’re 27.

It’s a book that mirrors the real life experiences of me and my friends. And honestly, it’s long overdue.

If you’re ready to get your hands on this book, then you’re in luck! I’m giving away a copy of Broke Millennial!

Here’s how to enter:

  1. Email me and tell me why you want to read the book (taylor@thefreedomfrommoney.com)

  2. OR leave a comment below

I’ll announce the winner next week! But if you’re looking to get your hands on a copy before then, you can get it on Amazon or wherever books are sold.

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10 Comments

  • Reply Kita May 3, 2017 at 4:53 pm

    In the past, I’ve read some finance books that have given me some good pointers, but they rarely understand my issue. I’m young, single, inexperienced with funds, and have a low salary. I would love to see how she relates and any suggestions she may have for someone who is still getting the hang of her finances. Also, as a young person in America, it can be disheartening to see how the economy isn’t a sure thing and can be quite nerve wracking.

  • Reply Christopher Johnson May 5, 2017 at 7:25 am

    The first reason I want to read this book is simple, it is because I am a broke millenial. Second I am young and am already tired of waking up every day worrying about money. Every decision I make is a huge deal when coming to money. If I want to buy a bag of chips at the gas station it takes me 5 minutes of deliberation in my head of how that 2 dollars will affect me. I am not making a high salary yet, but I seem to be the main money source for my family. As broke as I am I can’t say no to sending money when my mom texts me saying she only has 5 dollars and no food in the house. I really want to get ahead of my finances as fast as possible so I can begin growing my wealth, stop living paycheck to paycheck, help my family who is also broke, pay off my student loan debt like you, and sleep at night and live worry free.

  • Reply Winnie May 5, 2017 at 12:46 pm

    I would love to obtain a personal finance book my husband and I can both relate to. Even though we’ve been working for quite some time, we still feel like we’re just starting out. Maybe it’s because we’re newlyweds. I honestly think this a book we can actually relate to, and read with each other.

    • Taylor
      Reply Taylor May 25, 2017 at 4:02 pm

      As someone who is getting married in less than two months (!!) I can definitely relate to this. It seems like marriage involves entering an entirely new stage of money management because it’s no longer just you and your own systems. Congratulations on your recent marriage and good luck!! I’m rooting for you both 🙂
      Taylor recently posted…These Are a Few of My Favorite ThingsMy Profile

  • Reply Samantha Zimecki May 6, 2017 at 4:34 am

    Yay! You are the second blogger to mention this book! I’ll definitely look into it if I don’t win the giveaway.

    I’ve paid off all my debt now (thank you again for featuring me, tho I’ve totally abandoned my blog – hopefully I’ll come back >.>) but I’m really struggling with how to balance my saving and spending. Since I have all this extra money I either spend one month going wild on Amazon (and justifying it somehow) and then feeling guilty about it the next month when I have to pay my bills and so I save like crazy that month but then the following month I save too much to pay my bills but I won’t touch the money that I’ve saved and it’s just a vicious cycle. I’m trying to find a way to make it a little less variable from month to month.

    • Taylor
      Reply Taylor May 25, 2017 at 3:59 pm

      Woohoo! Congratulations on the debt!! I loved sharing your story. & I’m so glad you heard of the book before. It’s honestly amazing 🙂 Ugh, so sorry to hear about the binge and purge spending stuff 🙁 I’ve been there before and it SUCKS. The thing that helped me get through it was allowing myself to have a certain about of fun money every. single. month. Guilt free money for shopping, eating out, whatever. It took some time, but it ultimately helped me to find some balance and get of the roller coaster of spending and then saving. Good luck <3

  • Reply Erin - Broke Millennial May 8, 2017 at 3:17 pm

    I loved the call out to a specific page! Thank you for such a flattering review and I can’t wait to hear what the winner thinks of it as well! #GYFLT

    • Taylor
      Reply Taylor May 25, 2017 at 3:55 pm

      I LOVED the book and I’m so glad I’m able to pass it along 🙂 Congrats on such a successful launch! It’s super inspiring to see.

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