Book Review | You Don’t Have to be a Broke Millennial

Petite blogger reading Erin Lowry's personal finance book Broke Millennial
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This summer I won Broke Millennial: Stop Scraping by and Get Your Financial Life Together by Erin Lowry in a Twitter contest sponsored by Capital One. I wasn’t asked to give this review, but I did promise you all reviews were coming from my summer reading list. Since summer is official over, what better time to start than now.


Take What You Need

I love the format of the book. It began with a short questionnaire to help you determine which category you fell into. Based on that group you could skip to the chapters that applied to your current situation. This type of organisation is excellent for those who already have their savings account started and even minor financial literacy but have no clue how to tackle student loans or have the debt discussion with a significant other.


Looking for a millennial friendly personal finance book? Pick up Erin Lowry's Broke Millennial | book review| petitely packaged

While I already have some financial literacy background, I chose to read the entire book because I’m a recent college grad. I did not regret any minute I spent reading Broke Millennial. Unlike other financial books I’ve read, Broke Millennial takes the time to address Millennial’s and post-Millennial’s (I have not clue what they call themselves). There’s a section for moving home after college ( my current reality), splitting the bill with your less money-conscious friends, opening an online bank account, our generation’s fear of credit cards and how to face it wisely, and how to plan for all the wedding festivities you’ll be attending one day(this was my favourite).

Broke Millennial offers many personal finance gems, but my big take away is to save now! Click To Tweet


For those who have short-term memories or just short attention spans, each chapter ends with a summary. She does not tell you what to do but instead offers several options based on what might be your situation. I think this is an important approach to take because everyone has a different lived experience and I appreciate she took the time to recognise that.

Book review of Erin Lowry's Broke Millennial aka everything 20-somethings and 30-somethings need to get their financial lives together

flats – old navy / dress – h&M / jacket -ross (similar)/ hat – j crew / glasses – warby parker


Stop being a Broke Millennial and Start Saving Now 

This book offers many personal finance gems, but my big take away is to save now! Have a 401K through your company, make it out and match sure you’re getting matched funds if the company offers that benefit. In college and working part-time, open that IRA to save some of that money. Are you freelancing 20-something trying to figure your life out, save those coins too. Because when it comes to savings, only time is our friend. Your 40 or 50 something-year-old self will thank younger you. It’s kinda like how sober you thanks drunk you for remembering to eat and stay hydrated before bed.


Pick up Broke Millennial, the personal finance book every 20 something and 30 something should be reading

Give Her Your Coins and #GYFLT

Everyone should read this book. I truly mean this so much so that I submitted at purchase request to my local library system. Also, I gave my free copy to a friend and plan to purchase the ebook soon for my own reference. Lowry uses her own narratives to bring a realistic, breath of fresh air into topics that can be uncomfortable or plague you in your sleep. I don’t know about you all, but I appreciate a read that makes me laugh while I’m note taking.  If you’re heading off to college, currently struggling to maintain that 3.5 GPA, or trying to figure out how to make your new salary work, do yourself a favour and pick up this book so you can get your financial life together. You won’t regret it.


Petite blogger wearing H&M flats and Warby Parker glasses for comfortable reading of personal finance book Broke Millennial


You can find Broke Millennial at Barnes & Noble, Amazon/Kindle, Urban Outfitters, Target, and hopefully your local library! If you’re curious about what I’m currently reading be sure to follow me on Goodreads.

Until Next Time,

Aitza B

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Petite blogger reading Erin Lowry's personal finance book Broke Millennial. The book your 40 something self with thank 20 something you for reading


  • My daughter is a millennial. I need to get her this book ASAP. We were talking about finances today and she wasn’t hearing me. Maybe reading someone else’s situation will help.

  • Shannon

    Sounds like an interesting read! I know a lot of millennials that need to read this. Shared!

  • i so agree with taking full advantage of a 401k and any matching your employer offers. everyone should do this if at all possible.

  • Liz

    I’ll have to check this book out, it sounds interesting – I’m a millennial (age 30) also.

    This made me laugh: “It’s kinda like how sober you thanks drunk you for remember to eat and stay hydrated before bed.” –> True. Haha.

    I do have a 401K through work that I participate in, but sometimes I worry I’m not putting enough money in.

  • Financial reads have to be easy to follow as well as applicable. This book sounds like it covers both. I like that each chapter has a summary just to solidify what you read. Seems like a easy to follow book.

  • All four of my “kids” fall into this millennial bracket. I’m not sure if any of them have heard of this book, but it sounds worth recommending. I know my youngest daughter and son-in-law are following Dave Ramsey’s book about financial freedom and are doing really well with getting out of debt.

  • This sounds like a great book and I really enjoyed your review. I think it sounds like a great book to read especially just getting out of college. There are so many ‘get rich quick books’, so I like how this is mentioning not to be broke.

  • I love the title of this book! Sounds like a great read and very sound advice. I could have used that book when I graduated from college!

  • Sound like a great book for tricks and tips for your economy. I wish I read such book like 20 years ago so. Now almost 40 I must say that both my husband and I are very good on keeping tight our money (without being cheap!).

  • Karyn Locke

    This is such a great read for anyone that thinks you’re going to be broke! Thank you so much for your fun book review.

  • TColeman

    This looks like it gives some great advice. Following it is going to be the key!

  • Creating a stable financial life is so important on the long run. Good to know that this book can help you realize this.

  • This book sounds perfect for me with the summary st the end of each chapter ! Nice pictures also 🙂

  • It’s always great to love a book, especially when it’s beneficial to ones life. Congrats on graduating by the way!
    I’m not a Millennial but it sounds good and I’ll have to take a look at it ; )

  • Brett Martin

    First of all, your dress is darling. I love it.

    Second, I REALLY wish someone had been telling me to save even pennies back in my 20s. I didn’t. I had debt. So my savings started much later in life and I cringe to think of how much I could have been earning all these years even on the little tiny amounts Id have saved. This sounds like a great resource for anyone- not just milennials!!

  • It’s always great to love a book, especially when it’s beneficial to ones life. Congrats on graduating by the way!

  • This book sounds like its loaded with some essential information. I honestly believe that I’m allergic to being broke. I have to check this title out! Thanks for sharing!

    • Aitza B

      “Allergic to being broke.” I have to steal this, because I’m right there with you. I believe if multiple streams of income and always having money in savings. Thanks for commenting

  • I wish I had a book like this when I was in my 20s. It really is so important to develop good financial habits early.

  • Good advice that one doesn’t have to be a broke millennial at all 🙂 Sounds like a great read and sound advice to save up – 401k, IRA, all of it.

  • Thena

    Truth in this post for sure! Great read, really like your writing style and the fun pics! Keep it up!

  • It does sound like an interesting book. I just wonder how it pieces it all together. I know people have given me all kinds of sound financial advice. It didn’t always turn out for my benefit.

  • Really nice review. This looks like a really interesting book. I will have to check this out.

  • Glenda

    I will definitely be picking up this book to give it as gifts for Christmas, thank you!

  • Courtney

    Ooo sounds like one interesting read!!! I’m an older millennial and definitely not broke lol…. i swear it’s all on your mindset. If you think broke, you will be broke lol

  • Haha now this sounds like an intriguing read. I’m not a millennial myself but this worth giving a shot (or as a gift to my friends for the coming holidays!). Thanks for sharing!

  • Sounds like a good read! Wish they thought us about money in college! Need to check this out

  • I am always looking for a new book to read this looks really interesting just in time for me to start.

  • I really want to read this book! It sounds like it would be something very helpful for me. I need constant reminders to be mindful and more resourceful with what I have.

  • Julie Syl

    This book sounds really helpful! I want to read this book, totally! This book would be helpful for millennials.

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  • Will have to see if my local library has this one – a money-saving tactic right off the bat!

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  • Sara Nichols

    I need to check out this book! I need to start saving badly but am so bad at it!

  • I need to read this lol!! I need to start saving more, tbh!