Being able to financially afford a dog was one of my first steps towards financial freedom. I knew that my life would not feel complete without a dog. But I also knew that I needed to have a certain level of financial stability first to provide a good home. It took four years of side hustling on top of my day job before I finally felt in a position to adopt my first dog, Mosby. He was a senior rescue with a heart condition. That wasn’t cheap. I built an emergency savings fund just for him so that I could handle unexpected costs that came my way. I was able to give him an amazing last three years of his life. After his passing, my husband and I adopted our first puppy, who is now the beautiful adult dog you see here. She’s healthy, but still gets her own emergency savings fund! No matter what signifies your growth towards financial freedom, BROKE MILLENNIAL WORKBOOK can help you achieve your goals. Based on my decade of experience in personal finance, this fourth installment of the Broke Millennial series offers new insights, strategies, and exercises to get you on track and motivated. BROKE MILLENNIAL WORKBOOK can help you build (or improve) your financial stability! Available wherever books are sold. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy
Broke Millennial turned 10 on January 23. I’ve been writing about money for a decade and in that time I’ve gone from a broke PR girl blogging about money as a hobby to working for a FinTech start up to getting my first book deal to being self-employed to have a multi-part book series at a major publishing house. I wrote a retrospective on the journey and detailed the moments that changed my life over on BrokeMillennial.Substack.com (link in stories and bio). #brokemillennial #careergoals #authorsofinstagram #selfemployed #personalfinance #tweet #money #lifestyle
The stock market acts up in uncertain times. Thanks to bloombergopinion for helping me put together this video to explain it. ▫️ What’s going on in the world? Knowing what’s going on domestically and internationally. The atrocities happening in the Ukraine rock the world in many ways, including the US’s financial markets. ▫️ Understanding the history of the stock market and various cycles might help you stomach seeing the drop in your 401(k). Knowing that cycles with peaks and valleys are a natural part of the economy and stock market. ▫️ If that’s no comfort, here are a few other strategies: 𝘽𝙚 𝙬𝙖𝙧𝙮 𝙤𝙛 𝙝𝙚𝙖𝙙𝙡𝙞𝙣𝙚𝙨: flashy headlines like “worst decline in history” don’t provide context. While it may technically be true, does it account for how much higher the market is today compared to the past? 𝙎𝙥𝙚𝙖𝙠 𝙩𝙤 𝙨𝙤𝙢𝙚𝙤𝙣𝙚: Call a financial advisor or a more experienced investor or even customer support at the brokerage you use to get someone else to calm your nerves and keep you from making emotional, knee-jerk decisions. 𝙃𝙤𝙣𝙚𝙨𝙩𝙡𝙮, 𝙟𝙪𝙨𝙩 𝙙𝙤𝙣’𝙩 𝙡𝙤𝙤𝙠! Avoid checking out your portfolio for a while. It’s okay to just not check. ▫️ You can learn more in BROKE MILLENNIAL TAKES ON INVESTING and specifically in Chapter 11 about how to ride out the panic of a market crash. • • • • • #BrokeMillennialTakesOnInvesting #investing #investor #authorsofinstagram #debtfree #debtfreecommunity #LUYM #talkmoney #retirement #stockmarket #career #community #money #lifestyle #support #job #goals #hustle #finances #BrokeMillennial #GYFLT
Broke Millennial turned 10 on January 23. I’ve been writing about money for a decade and in that time I’ve gone from a broke PR girl blogging about money as a hobby to working for a FinTech start up to getting my first book deal to being self-employed to have a multi-part book series at a major publishing house. I wrote a retrospective on the journey and detailed the moments that changed my life over on BrokeMillennial.Substack.com (link in stories and bio). #brokemillennial #careergoals #authorsofinstagram #selfemployed #personalfinance #tweet #money #lifestyle
Yup, I saved $300 by paying in cash. I don’t know about your credit cards, but none of mine offer cash back that would’ve come even close! I guess cash still is king sometimes. ▫️ I learned about this little discount just by actually reading the intake paper work when I went to a new dentist for my regular cleaning. It mentioned offering 5% off if you pay in cash. ▫️ A couple weeks later, I went for an appointment to start Invisalign and brought cash with me for the payment. I asked at the end if I could get a discount for paying in cash (note that I didn’t mention a number.) The receptionist went and checked with the doctor and came back to say, yup, I can give you 10% off! ▫️ This is actually a fairly common practice and doesn’t always require carrying a wad of cash. Some places will accept Venmo or similar payment apps as cash. ▫️ Have you negotiated or gotten a discount on a bill lately? • • • • • #Money #conversations #wealth #cash #cashstuffing #discount #tips #dentist #BrokeMillennial #debtfree #tweet #twitter #debtfreecommunity #success #debtfree #talkmoney #financialcomfort #financialsuccess #moneytalk #lifestyle
✨💸Broke Millennial WORKBOOK is out TODAY!!! To quote myself in the introduction… Unfortunately, it’s clear to me that even with a massive influx in access to personal finance information and education, so much anxiety about money still exists.. This needs to be fixed now. Failing to do so means setting yourself up for alife of mental and emotional stress. That may sound dramatic, but no one deserves to live in the anxiety of a paycheck-to-paycheck cycle or fretting about the smallest unexpected expense upending their entire lives. The good news is that you can break free of that (or avoid it entirely), and I’ll show you how. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #workbook #publicationday #takecontrol
💸 CALLING ALL GENERATIONS!!! Anyone (regardless of birth year) can use BROKE MILLENNIAL WORKBOOK to take control of their financial life. You’ll learn to set better goals, create a debt plan customized to you, when and how to start investing, and even how to set healthy boundaries with loved ones in order to protect your financial life. It’s the culmination of the entire BROKE MILLENNIAL series with practical exercises and advice! Available wherever books are sold! #takecontrol #workbook #brokemillennial
Who should I collab with?!?! Well, here’s the more formal ask: Hey! I need your help. Broke Millennial Workbook comes out on May 9th and that means a press blitz is in my future. But I want to know who you you’d love to see me collab with in the personal finance and/or lifestyle spaces? 📚That could mean being on a podcast or a takeover or an IG Live or whatever else. Let me know in the comments AND I’d love to know the topics you want me to talk about! #personalfinance #BrokeMillennial #BrokeMillennialWorkbook #gyflt #money #authorsofinstagram #collab #career
Who should I collab with?!?! Well, here’s the more formal ask: Hey! I need your help. Broke Millennial Workbook comes out on May 9th and that means a press blitz is in my future. But I want to know who you you’d love to see me collab with in the personal finance and/or lifestyle spaces? 📚That could mean being on a podcast or a takeover or an IG Live or whatever else. Let me know in the comments AND I’d love to know the topics you want me to talk about! #personalfinance #BrokeMillennial #BrokeMillennialWorkbook #gyflt #money #authorsofinstagram #collab #career
Well, it’s true. Books are magic. The other magic was going around New York City and seeing not just one, but four books bearing my name on shelves in bookstores. ✨ #brokemillennial #authorsofinstagram #author #magic #dreamlife
💍Getting married (or otherwise committing to a lifelong partnership) is the biggest financial decision you'll make. And no, I don't mean the cost of a wedding. The actual commitment to another person. Marriage is fundamentally a decision to legally and financially bind yourself to another person. Sure, that strips away the romance and the love -- but it's incredibly important to acknowledge. Money causes a lot of fights and tensions in relationships. Failure to communicate effectively about money with your partner is essentially dooming yourself to a series of the same fights over and over at the very least, or a costly separation or divorce. Want to learn how to effectively communicate with your partner about money? Check out BROKE MILLENNIAL TALKS MONEY or BROKE MILLENNIAL WORKBOOK! • • • • • • • • • • #BrokeMillennial #bookseries #financialfreedom #debtfreecommunity #tweet #talkmoney #marriage #personalfinance #bookstagram #financialeducation #financialliteracy #teamlabplanets #workbook #marriage #couplegoals #takecontrol #debtfreejourney
{🫀} #asthetic #viral #brokemyheart #brokemillennial #brokenhome #brokenlove #brokensoul #trendingreels #asthetic #kk #krishna__10__xx #imraanhashmi #instagood #broken
⚠️Warning: Millennial cliches are about to be used. This year, I decided to focus more on my own mental health and well-being. I recognized early on how much I was suffering from burn out and basically a toxic work relationship with my boss. Me. Yes, I’m my own boss and we had a toxic dynamic going because I’m terrible at boundary setting (professionally) and something of a workaholic. ▫️ As a self-employed person, I don’t exactly have paid time off or a benefits package. So, I decided to work towards giving myself that option. I built a financial safety net in my business that allowed me to take extended time off. Essentially, it was paid leave. Peach and I were able to explore some National Parks and visit with loved ones (including our new nephew). ▫️ However, a lot of pressure got put on that time off. I hoped to have some sort of revelation about what I wanted next or the direction I should take my career. It’s as if I needed to achieve total clarity in order to validate taking time away. That’s a big issue in the hustle and grind culture. ▫️ Spoiler: No bolt of lightening revelations were had. No serendipitous moments of connectivity. But I was starting to feel good. I completely stepped away from professional social media and email in July. I said no to projects that in my gut didn’t feel right. ▫️ It only took two weeks back at work for me to backslid and those habits of over committing, saying yes too much and even constantly scrolling social were back. This isn’t a post about personal finance. This is just a reminder that career struggles won’t always be solved by time off, self-employment or even pursuing a passion you love. But learning how to set boundaries, especially with ourselves, is crucial and one of the best skills we can learn. I’m still learning. • • • • • #Timeoff #Sabbatical #Hiatus #success #happiness #authorsofinstagram #debtfree #debtfreecommunity #selfemployment #hustle #paidleave #talkmoney #BMTM #family #friends #career #community #money #lifestyle #support #job #goals #finances #BrokeMillennial
I’ve been working on a potential project that’s brought me back to rereading chunks of my first book, BROKE MILLENNIAL. It was written in 2016 and came out in 2017. A lot in my life and the world has changed since. There are pieces I’d update if I could, but I’m also proud of this first book baby I created at the tender age of 27. If you’ve read it, what’s your favorite part? • • • • • #authorsofinstagram #brokemillennial #debtfree #debtfreecommunity #talkmoney #career #community #money #lifestyle #support #job #goals #hustle #finances #GYFLT
It’s been a year since this magical moment and I’m still tapping away. Our class leveled up from “absolute beginners” to “beginners” and I continue to be absolutely atrocious! But it’s fun, social, and good for my brain and ego to struggle learning a new skill. The more significant takeaway from tap is that hobbies and play are important in adulthood. We too often try and monetize our hobbies or only spend on something that could ultimately yield a profit. Let your hobby just be a fun stress relief (or a reminder that you have absolutely no natural talent for tap dance.) #brokemillennial #careergoals #authorsofinstagram #hobbies #tweet #advice #hobby #tapdance #tap #personalfinance #tweet #sidehustle #hustle #hustleculture
It’s been a year since this magical moment and I’m still tapping away. Our class leveled up from “absolute beginners” to “beginners” and I continue to be absolutely atrocious! But it’s fun, social, and good for my brain and ego to struggle learning a new skill. The more significant takeaway from tap is that hobbies and play are important in adulthood. We too often try and monetize our hobbies or only spend on something that could ultimately yield a profit. Let your hobby just be a fun stress relief (or a reminder that you have absolutely no natural talent for tap dance.) #brokemillennial #careergoals #authorsofinstagram #hobbies #tweet #advice #hobby #tapdance #tap #personalfinance #tweet #sidehustle #hustle #hustleculture
🔊It’s human nature to crave benchmarks. You know you love to compare yourself against other people. You click on the article that says, “This is how much you should have saved by 35” or “You need this much in a 401(k) by 30.” Sure — banks, lenders, and landlords care about benchmarks like debt-to-income ratio or your credit score. THE TRUTH: These rules don’t know you or your goals or how far you’ve come. Do not be demoralized if your current situation is below where a benchmark says you should be. Focus on progress! Ready to build your own benchmarks and take control? BROKE MILLENNIAL WORKBOOK will help! The latest in the Broke Millennial series will empower you to take action and build a strong financial future. Available wherever books are sold. . • • • • • • • • • • #BrokeMillennial #bookseries #financialfreedom #debtfreecommunity #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #teamlabplanets #workbook #publicationday #takecontrol
Sometimes the world comes at you fast, and trying to figure out your finances in shifting realities can really break your brain—and your bank accounts! 📝 When life is overwhelming, getting out a pencil and paper and working out your numbers can seem impossible. 📚Erin Lowry’s Broke Millennial series has been helping people get their financial lives in order for years, and now readers can roll up their sleeves and work out their finances alongside her in this practical and endlessly useful workbook. From working out the correct amount you need in your emergency fund and creating an effective attack plan for your debt to writing out scripts to discuss “taboo” money topics and set boundaries with family and friends, this book covers every nook and cranny of your financial landscape. AVAILABLE WHEREVER BOOKS ARE SOLD 🙌🏻 #BrokeMillennial #workbook #moneyhelp #moneychallenge #workbooks #authorsofinstagram
Sometimes the world comes at you fast, and trying to figure out your finances in shifting realities can really break your brain—and your bank accounts! 📝 When life is overwhelming, getting out a pencil and paper and working out your numbers can seem impossible. 📚Erin Lowry’s Broke Millennial series has been helping people get their financial lives in order for years, and now readers can roll up their sleeves and work out their finances alongside her in this practical and endlessly useful workbook. From working out the correct amount you need in your emergency fund and creating an effective attack plan for your debt to writing out scripts to discuss “taboo” money topics and set boundaries with family and friends, this book covers every nook and cranny of your financial landscape. AVAILABLE WHEREVER BOOKS ARE SOLD 🙌🏻 #BrokeMillennial #workbook #moneyhelp #moneychallenge #workbooks #authorsofinstagram
Being able to financially afford a dog was one of my first steps towards financial freedom. I knew that my life would not feel complete without a dog. But I also knew that I needed to have a certain level of financial stability first to provide a good home. It took four years of side hustling on top of my day job before I finally felt in a position to adopt my first dog, Mosby. He was a senior rescue with a heart condition. That wasn’t cheap. I built an emergency savings fund just for him so that I could handle unexpected costs that came my way. I was able to give him an amazing last three years of his life. After his passing, my husband and I adopted our first puppy, who is now the beautiful adult dog you see here. She’s healthy, but still gets her own emergency savings fund! No matter what signifies your growth towards financial freedom, BROKE MILLENNIAL WORKBOOK can help you achieve your goals. Based on my decade of experience in personal finance, this fourth installment of the Broke Millennial series offers new insights, strategies, and exercises to get you on track and motivated. BROKE MILLENNIAL WORKBOOK can help you build (or improve) your financial stability! Available wherever books are sold. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy
Being able to financially afford a dog was one of my first steps towards financial freedom. I knew that my life would not feel complete without a dog. But I also knew that I needed to have a certain level of financial stability first to provide a good home. It took four years of side hustling on top of my day job before I finally felt in a position to adopt my first dog, Mosby. He was a senior rescue with a heart condition. That wasn’t cheap. I built an emergency savings fund just for him so that I could handle unexpected costs that came my way. I was able to give him an amazing last three years of his life. After his passing, my husband and I adopted our first puppy, who is now the beautiful adult dog you see here. She’s healthy, but still gets her own emergency savings fund! No matter what signifies your growth towards financial freedom, BROKE MILLENNIAL WORKBOOK can help you achieve your goals. Based on my decade of experience in personal finance, this fourth installment of the Broke Millennial series offers new insights, strategies, and exercises to get you on track and motivated. BROKE MILLENNIAL WORKBOOK can help you build (or improve) your financial stability! Available wherever books are sold. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy
Broke Millennial turned 10 on January 23. I’ve been writing about money for a decade and in that time I’ve gone from a broke PR girl blogging about money as a hobby to working for a FinTech start up to getting my first book deal to being self-employed to have a multi-part book series at a major publishing house. I wrote a retrospective on the journey and detailed the moments that changed my life over on BrokeMillennial.Substack.com (link in stories and bio). #brokemillennial #careergoals #authorsofinstagram #selfemployed #personalfinance #tweet #money #lifestyle
✨💸Broke Millennial WORKBOOK is out TODAY!!! To quote myself in the introduction… Unfortunately, it’s clear to me that even with a massive influx in access to personal finance information and education, so much anxiety about money still exists.. This needs to be fixed now. Failing to do so means setting yourself up for alife of mental and emotional stress. That may sound dramatic, but no one deserves to live in the anxiety of a paycheck-to-paycheck cycle or fretting about the smallest unexpected expense upending their entire lives. The good news is that you can break free of that (or avoid it entirely), and I’ll show you how. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #workbook #publicationday #takecontrol
💸 CALLING ALL GENERATIONS!!! Anyone (regardless of birth year) can use BROKE MILLENNIAL WORKBOOK to take control of their financial life. You’ll learn to set better goals, create a debt plan customized to you, when and how to start investing, and even how to set healthy boundaries with loved ones in order to protect your financial life. It’s the culmination of the entire BROKE MILLENNIAL series with practical exercises and advice! Available wherever books are sold! #takecontrol #workbook #brokemillennial
𝗕𝗿𝗼𝗸𝗲 𝗠𝗶𝗹𝗹𝗲𝗻𝗻𝗶𝗮𝗹 𝗧𝗮𝗹𝗸𝘀 𝗠𝗼𝗻𝗲𝘆: Scripts, Stories and Advice to Navigate Awkward Financial Conversations has been on shelves at target nationwide since January! But being an nyc dweller, I had only seen it via photos from friends and followers. Finally, I got a chance to see it myself last weekend in Rochester, NY! ▫️ Over the years, my books have been at bookstores, airports, Urban Outfitters, Target and (most importantly) libraries! ▫️ It never gets old to see a childhood dream actualized like this and I want to say thank you 😘 to everyone reading this who has helped build this community and supported my work! • • • • • #Target #twitter #success #happiness #authorsofinstagram #debtfree #debtfreecommunity #talkmoney #BMTM #family #friends #career #community #money #lifestyle #support #job #goals #hustle #finances #BrokeMillennial #GYFLT
No matter where you are in your financial journey, the BROKE MILLENNIAL series can help. The journey starts with getting your financial life together 👉🏻 then investing 👉🏻 then scripts for navigating awkward money conversations! ▫️ The first two are important, but the third is critical. You can take all the right steps to build yourself a perfect financial life, but the foundation is shaky if you can’t set boundaries and have healthy, productive money conversations with people in your life. Because, say it with me, other people love to spend your money! Often in not so obvious ways. ▫️ Social obligations, family pressure, office politics — there are lots of ways in which we are slowly separated from our money unless we learn to advocate for ourselves while still being kind and compassionate. • • • • • #Money #conversations #wealth #investing #debtfree #debtfreecommunity #success #happiness #talkmoney #family #friends #career #community #money #lifestyle #support #job #goals #finances #BrokeMillennial #levelup
This is how we do it! 𝘉𝘳𝘰𝘬𝘦 𝘔𝘪𝘭𝘭𝘦𝘯𝘯𝘪𝘢𝘭 𝘞𝘰𝘳𝘬𝘣𝘰𝘰𝘬 is ✨ 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 ✨ wherever books are sold. It started nearly 6 years ago with Broke Millennial: Stop Scraping by and Get Your Financial Life Together. Then I helped you learn how to invest with Broke Millennial Takes On Investing. Next, it became important to set financial boundaries and learn how to talk about money in Broke Millennial Talks Money. Now, you’ll be able to put pen to paper and get actionable help no matter where you are in your financial journey with the Broke Millennial Workbook! #preorder #financiallife #gyflt #brokemillennial #getmoney #financial #financialliteracy #workbook #authorsofinstagram
The stock market is a roller coaster right now. It’s part of what’s to be expected in uncertain times. The atrocities happening in the Ukraine are rocking the world in many ways, including financial markets. But we also were seeing stock market volatility prior to the invasion, especially due to inflation. ▫️ Understanding the history of the stock market and various cycles might help you stomach seeing the drop in your 401(k). Knowing that cycles with peaks and valleys are a natural part of the economy and stock market. ▫️ If that’s no comfort, here are a few other strategies: 𝘽𝙚 𝙬𝙖𝙧𝙮 𝙤𝙛 𝙝𝙚𝙖𝙙𝙡𝙞𝙣𝙚𝙨: flashy headlines like “worst decline in history” don’t provide context. While it may technically be true, does it account for how much higher the market is today compared to the past? 𝙎𝙥𝙚𝙖𝙠 𝙩𝙤 𝙨𝙤𝙢𝙚𝙤𝙣𝙚: Call a financial advisor or a more experienced investor or even customer support at the brokerage you use to get someone else to calm your nerves and keep you from making emotional, knee-jerk decisions. 𝙃𝙤𝙣𝙚𝙨𝙩𝙡𝙮, 𝙟𝙪𝙨𝙩 𝙙𝙤𝙣’𝙩 𝙡𝙤𝙤𝙠! Avoid checking out your portfolio for a while. It’s okay to just not check. ▫️ You can learn more in BROKE MILLENNIAL TAKES ON INVESTING and specifically in Chapter 11 about how to ride out the panic of a market crash. (It’s probably at your local library!) ▫️ Finally, if you’ve been planning to donate to help Ukrainian refugees, I’ll help make it go further! 𝗜’𝗺 𝗺𝗮𝘁𝗰𝗵𝗶𝗻𝗴 𝘂𝗽 𝘁𝗼 $𝟮𝟱𝟬 𝗶𝗻 𝗱𝗼𝗻𝗮𝘁𝗶𝗼𝗻𝘀 to: Razom for Ukraine, Red Cross, Save the Children, IRC, World Central Kitchen and Global Giving Ukraine Crisis Relief Fund. Please DM a picture of your donation. • • • • • #investing #investor #authorsofinstagram #debtfree #debtfreecommunity #LUYM #talkmoney #retirement #stockmarket #career #community #money #lifestyle #support #job #goals #hustle #finances #BrokeMillennial #GYFLT
✨💸Broke Millennial WORKBOOK is out TODAY!!! To quote myself in the introduction… Unfortunately, it’s clear to me that even with a massive influx in access to personal finance information and education, so much anxiety about money still exists.. This needs to be fixed now. Failing to do so means setting yourself up for alife of mental and emotional stress. That may sound dramatic, but no one deserves to live in the anxiety of a paycheck-to-paycheck cycle or fretting about the smallest unexpected expense upending their entire lives. The good news is that you can break free of that (or avoid it entirely), and I’ll show you how. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #workbook #publicationday #takecontrol
💸 CALLING ALL GENERATIONS!!! Anyone (regardless of birth year) can use BROKE MILLENNIAL WORKBOOK to take control of their financial life. You’ll learn to set better goals, create a debt plan customized to you, when and how to start investing, and even how to set healthy boundaries with loved ones in order to protect your financial life. It’s the culmination of the entire BROKE MILLENNIAL series with practical exercises and advice! Available wherever books are sold! #takecontrol #workbook #brokemillennial
The stock market acts up in uncertain times. Thanks to bloombergopinion for helping me put together this video to explain it. ▫️ What’s going on in the world? Knowing what’s going on domestically and internationally. The atrocities happening in the Ukraine rock the world in many ways, including the US’s financial markets. ▫️ Understanding the history of the stock market and various cycles might help you stomach seeing the drop in your 401(k). Knowing that cycles with peaks and valleys are a natural part of the economy and stock market. ▫️ If that’s no comfort, here are a few other strategies: 𝘽𝙚 𝙬𝙖𝙧𝙮 𝙤𝙛 𝙝𝙚𝙖𝙙𝙡𝙞𝙣𝙚𝙨: flashy headlines like “worst decline in history” don’t provide context. While it may technically be true, does it account for how much higher the market is today compared to the past? 𝙎𝙥𝙚𝙖𝙠 𝙩𝙤 𝙨𝙤𝙢𝙚𝙤𝙣𝙚: Call a financial advisor or a more experienced investor or even customer support at the brokerage you use to get someone else to calm your nerves and keep you from making emotional, knee-jerk decisions. 𝙃𝙤𝙣𝙚𝙨𝙩𝙡𝙮, 𝙟𝙪𝙨𝙩 𝙙𝙤𝙣’𝙩 𝙡𝙤𝙤𝙠! Avoid checking out your portfolio for a while. It’s okay to just not check. ▫️ You can learn more in BROKE MILLENNIAL TAKES ON INVESTING and specifically in Chapter 11 about how to ride out the panic of a market crash. • • • • • #BrokeMillennialTakesOnInvesting #investing #investor #authorsofinstagram #debtfree #debtfreecommunity #LUYM #talkmoney #retirement #stockmarket #career #community #money #lifestyle #support #job #goals #hustle #finances #BrokeMillennial #GYFLT
Who should I collab with?!?! Well, here’s the more formal ask: Hey! I need your help. Broke Millennial Workbook comes out on May 9th and that means a press blitz is in my future. But I want to know who you you’d love to see me collab with in the personal finance and/or lifestyle spaces? 📚That could mean being on a podcast or a takeover or an IG Live or whatever else. Let me know in the comments AND I’d love to know the topics you want me to talk about! #personalfinance #BrokeMillennial #BrokeMillennialWorkbook #gyflt #money #authorsofinstagram #collab #career
Well, it’s true. Books are magic. The other magic was going around New York City and seeing not just one, but four books bearing my name on shelves in bookstores. ✨ #brokemillennial #authorsofinstagram #author #magic #dreamlife
💍Getting married (or otherwise committing to a lifelong partnership) is the biggest financial decision you'll make. And no, I don't mean the cost of a wedding. The actual commitment to another person. Marriage is fundamentally a decision to legally and financially bind yourself to another person. Sure, that strips away the romance and the love -- but it's incredibly important to acknowledge. Money causes a lot of fights and tensions in relationships. Failure to communicate effectively about money with your partner is essentially dooming yourself to a series of the same fights over and over at the very least, or a costly separation or divorce. Want to learn how to effectively communicate with your partner about money? Check out BROKE MILLENNIAL TALKS MONEY or BROKE MILLENNIAL WORKBOOK! • • • • • • • • • • #BrokeMillennial #bookseries #financialfreedom #debtfreecommunity #tweet #talkmoney #marriage #personalfinance #bookstagram #financialeducation #financialliteracy #teamlabplanets #workbook #marriage #couplegoals #takecontrol #debtfreejourney
Well, it’s true. Books are magic. The other magic was going around New York City and seeing not just one, but four books bearing my name on shelves in bookstores. ✨ #brokemillennial #authorsofinstagram #author #magic #dreamlife
💍Getting married (or otherwise committing to a lifelong partnership) is the biggest financial decision you'll make. And no, I don't mean the cost of a wedding. The actual commitment to another person. Marriage is fundamentally a decision to legally and financially bind yourself to another person. Sure, that strips away the romance and the love -- but it's incredibly important to acknowledge. Money causes a lot of fights and tensions in relationships. Failure to communicate effectively about money with your partner is essentially dooming yourself to a series of the same fights over and over at the very least, or a costly separation or divorce. Want to learn how to effectively communicate with your partner about money? Check out BROKE MILLENNIAL TALKS MONEY or BROKE MILLENNIAL WORKBOOK! • • • • • • • • • • #BrokeMillennial #bookseries #financialfreedom #debtfreecommunity #tweet #talkmoney #marriage #personalfinance #bookstagram #financialeducation #financialliteracy #teamlabplanets #workbook #marriage #couplegoals #takecontrol #debtfreejourney
It’s been a year since this magical moment and I’m still tapping away. Our class leveled up from “absolute beginners” to “beginners” and I continue to be absolutely atrocious! But it’s fun, social, and good for my brain and ego to struggle learning a new skill. The more significant takeaway from tap is that hobbies and play are important in adulthood. We too often try and monetize our hobbies or only spend on something that could ultimately yield a profit. Let your hobby just be a fun stress relief (or a reminder that you have absolutely no natural talent for tap dance.) #brokemillennial #careergoals #authorsofinstagram #hobbies #tweet #advice #hobby #tapdance #tap #personalfinance #tweet #sidehustle #hustle #hustleculture
Broke Millennial turned 10 on January 23. I’ve been writing about money for a decade and in that time I’ve gone from a broke PR girl blogging about money as a hobby to working for a FinTech start up to getting my first book deal to being self-employed to have a multi-part book series at a major publishing house. I wrote a retrospective on the journey and detailed the moments that changed my life over on BrokeMillennial.Substack.com (link in stories and bio). #brokemillennial #careergoals #authorsofinstagram #selfemployed #personalfinance #tweet #money #lifestyle
BIG NEWS in the student loan world. Navient, which services 6 million federal student loan borrowers, has decided to peace out. And yes, that’s allowed. That means if you’re loans are serviced by Navient, then you’ll be getting assigned a new student loan servicer soon: Maximus. (Which might not be the first time that’s happened to you.) Much of this is a waiting game to find out who will pick up these loans, but you can still take actionable steps in the meantime. ▫️ What you can do: * Log into your account today and print (or screenshot) your current loan information, including payment history. Of course it’s not always flawless when transferring millions of dollars in student loans. * Next, double check your personal info and make sure it’s up-to-date for when they reach out with details. * Be sure to set up your payment information directly with Maximus in case something screws up in the transfer. ▫️ As a reminder, Federal student loans are on pause until January 31, 2022. But I recommend being proactive about monitoring this switch and ensuring you will be ready to make payments in February 2022 because I’m betting it’ll be a real nightmare to try and get in touch with anyone at a student loan servicer that month! • • • • • #studentloans #loans #college #debt #loans #Navient #debtfree #Maximus #tweet #advice #debtfreecommunity #money #lifestyle #support #job #finances #BrokeMillennial
🔊It’s human nature to crave benchmarks. You know you love to compare yourself against other people. You click on the article that says, “This is how much you should have saved by 35” or “You need this much in a 401(k) by 30.” Sure — banks, lenders, and landlords care about benchmarks like debt-to-income ratio or your credit score. THE TRUTH: These rules don’t know you or your goals or how far you’ve come. Do not be demoralized if your current situation is below where a benchmark says you should be. Focus on progress! Ready to build your own benchmarks and take control? BROKE MILLENNIAL WORKBOOK will help! The latest in the Broke Millennial series will empower you to take action and build a strong financial future. Available wherever books are sold. . • • • • • • • • • • #BrokeMillennial #bookseries #financialfreedom #debtfreecommunity #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #teamlabplanets #workbook #publicationday #takecontrol
🔊It’s human nature to crave benchmarks. You know you love to compare yourself against other people. You click on the article that says, “This is how much you should have saved by 35” or “You need this much in a 401(k) by 30.” Sure — banks, lenders, and landlords care about benchmarks like debt-to-income ratio or your credit score. THE TRUTH: These rules don’t know you or your goals or how far you’ve come. Do not be demoralized if your current situation is below where a benchmark says you should be. Focus on progress! Ready to build your own benchmarks and take control? BROKE MILLENNIAL WORKBOOK will help! The latest in the Broke Millennial series will empower you to take action and build a strong financial future. Available wherever books are sold. . • • • • • • • • • • #BrokeMillennial #bookseries #financialfreedom #debtfreecommunity #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #teamlabplanets #workbook #publicationday #takecontrol
Sometimes the world comes at you fast, and trying to figure out your finances in shifting realities can really break your brain—and your bank accounts! 📝 When life is overwhelming, getting out a pencil and paper and working out your numbers can seem impossible. 📚Erin Lowry’s Broke Millennial series has been helping people get their financial lives in order for years, and now readers can roll up their sleeves and work out their finances alongside her in this practical and endlessly useful workbook. From working out the correct amount you need in your emergency fund and creating an effective attack plan for your debt to writing out scripts to discuss “taboo” money topics and set boundaries with family and friends, this book covers every nook and cranny of your financial landscape. AVAILABLE WHEREVER BOOKS ARE SOLD 🙌🏻 #BrokeMillennial #workbook #moneyhelp #moneychallenge #workbooks #authorsofinstagram
Who should I collab with?!?! Well, here’s the more formal ask: Hey! I need your help. Broke Millennial Workbook comes out on May 9th and that means a press blitz is in my future. But I want to know who you you’d love to see me collab with in the personal finance and/or lifestyle spaces? 📚That could mean being on a podcast or a takeover or an IG Live or whatever else. Let me know in the comments AND I’d love to know the topics you want me to talk about! #personalfinance #BrokeMillennial #BrokeMillennialWorkbook #gyflt #money #authorsofinstagram #collab #career
It’s been a year since this magical moment and I’m still tapping away. Our class leveled up from “absolute beginners” to “beginners” and I continue to be absolutely atrocious! But it’s fun, social, and good for my brain and ego to struggle learning a new skill. The more significant takeaway from tap is that hobbies and play are important in adulthood. We too often try and monetize our hobbies or only spend on something that could ultimately yield a profit. Let your hobby just be a fun stress relief (or a reminder that you have absolutely no natural talent for tap dance.) #brokemillennial #careergoals #authorsofinstagram #hobbies #tweet #advice #hobby #tapdance #tap #personalfinance #tweet #sidehustle #hustle #hustleculture
No matter where you are in your financial journey, the BROKE MILLENNIAL series can help. The journey starts with getting your financial life together 👉🏻 then investing 👉🏻 then scripts for navigating awkward money conversations! ▫️ The first two are important, but the third is critical. You can take all the right steps to build yourself a perfect financial life, but the foundation is shaky if you can’t set boundaries and have healthy, productive money conversations with people in your life. Because, say it with me, other people love to spend your money! Often in not so obvious ways. ▫️ Social obligations, family pressure, office politics — there are lots of ways in which we are slowly separated from our money unless we learn to advocate for ourselves while still being kind and compassionate. • • • • • #Money #conversations #wealth #investing #debtfree #debtfreecommunity #success #happiness #talkmoney #family #friends #career #community #money #lifestyle #support #job #goals #finances #BrokeMillennial #levelup
This is how we do it! 𝘉𝘳𝘰𝘬𝘦 𝘔𝘪𝘭𝘭𝘦𝘯𝘯𝘪𝘢𝘭 𝘞𝘰𝘳𝘬𝘣𝘰𝘰𝘬 is ✨ 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 ✨ wherever books are sold. It started nearly 6 years ago with Broke Millennial: Stop Scraping by and Get Your Financial Life Together. Then I helped you learn how to invest with Broke Millennial Takes On Investing. Next, it became important to set financial boundaries and learn how to talk about money in Broke Millennial Talks Money. Now, you’ll be able to put pen to paper and get actionable help no matter where you are in your financial journey with the Broke Millennial Workbook! #preorder #financiallife #gyflt #brokemillennial #getmoney #financial #financialliteracy #workbook #authorsofinstagram
This morning I was on Rachael Ray rachaelrayshow talking about my own experience doing a no spend challenge and giving tips on how to feel in control of your financial life! (Filmed pre-Covid) • • • • • #BrokeMillennial #gyflt #tv #media #nospend #nospendchallenge #talkmoney #budget #personalfinance #money #debtfree #debtfreecommunity
Being able to financially afford a dog was one of my first steps towards financial freedom. I knew that my life would not feel complete without a dog. But I also knew that I needed to have a certain level of financial stability first to provide a good home. It took four years of side hustling on top of my day job before I finally felt in a position to adopt my first dog, Mosby. He was a senior rescue with a heart condition. That wasn’t cheap. I built an emergency savings fund just for him so that I could handle unexpected costs that came my way. I was able to give him an amazing last three years of his life. After his passing, my husband and I adopted our first puppy, who is now the beautiful adult dog you see here. She’s healthy, but still gets her own emergency savings fund! No matter what signifies your growth towards financial freedom, BROKE MILLENNIAL WORKBOOK can help you achieve your goals. Based on my decade of experience in personal finance, this fourth installment of the Broke Millennial series offers new insights, strategies, and exercises to get you on track and motivated. BROKE MILLENNIAL WORKBOOK can help you build (or improve) your financial stability! Available wherever books are sold. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy
Sometimes the world comes at you fast, and trying to figure out your finances in shifting realities can really break your brain—and your bank accounts! 📝 When life is overwhelming, getting out a pencil and paper and working out your numbers can seem impossible. 📚Erin Lowry’s Broke Millennial series has been helping people get their financial lives in order for years, and now readers can roll up their sleeves and work out their finances alongside her in this practical and endlessly useful workbook. From working out the correct amount you need in your emergency fund and creating an effective attack plan for your debt to writing out scripts to discuss “taboo” money topics and set boundaries with family and friends, this book covers every nook and cranny of your financial landscape. AVAILABLE WHEREVER BOOKS ARE SOLD 🙌🏻 #BrokeMillennial #workbook #moneyhelp #moneychallenge #workbooks #authorsofinstagram
It started as a total joke…but I do have a few podcast ideas. What would you most want to hear me talk about on a podcast? • • • • • #podcast #BrokeMillennial #personalfinance #twitter #AMA #tweet #gyflt #moneytalks #football #GoBills #BillsMafia
✨💸Broke Millennial WORKBOOK is out TODAY!!! To quote myself in the introduction… Unfortunately, it’s clear to me that even with a massive influx in access to personal finance information and education, so much anxiety about money still exists.. This needs to be fixed now. Failing to do so means setting yourself up for alife of mental and emotional stress. That may sound dramatic, but no one deserves to live in the anxiety of a paycheck-to-paycheck cycle or fretting about the smallest unexpected expense upending their entire lives. The good news is that you can break free of that (or avoid it entirely), and I’ll show you how. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #workbook #publicationday #takecontrol
💸 CALLING ALL GENERATIONS!!! Anyone (regardless of birth year) can use BROKE MILLENNIAL WORKBOOK to take control of their financial life. You’ll learn to set better goals, create a debt plan customized to you, when and how to start investing, and even how to set healthy boundaries with loved ones in order to protect your financial life. It’s the culmination of the entire BROKE MILLENNIAL series with practical exercises and advice! Available wherever books are sold! #takecontrol #workbook #brokemillennial
Pet insurance. Worth it or not? Generally, I’m pretty into the importance of insurance, but in this case, for us, it’s long been a pass. Let’s be clear, that doesn’t mean it’s the right answer for you! ▫️ This started as a decision with our first dog, Mosby, who was a senior rescue with a heart condition. We knew pet insurance wouldn’t really offset much of the cost due to his pre-existing condition and it made more sense for him to have his own emergency fund. ▫️ Tasker is similarly an uninsured pup. She’s a healthy mutt with no underlying issues, at least not yet, and no likelihood of a breed-specific genetic problem. (This is one of the advantages of rescuing mixed-breed dogs vs buying from a breeder.) She also doesn’t have a history of chewing and ingesting toys nor eating things she shouldn’t. ▫️ Instead of pet insurance, Peach and I set money aside each month into Tasker’s emergency fund. Because a lot of pet insurance plans don’t cover wellness visits and routine care like vaccines without an additional add-on cost, it just doesn’t seem to be advantageous for Tasker. For those who own breeds that likely will experience health issues or are more susceptible costly ailments like GDV or hip dysplasia, then insurance can be a big help! ▫️ There are also different types of plans like accident only or illness only, which can reduce the cost of premiums and provide peace of mind. Accident-only is the one I would consider. ▫️ It’s also important to know your pet insurance’s deductible and have that as part of your general emergency savings (or your pet’s specific emergency fund). ▫️ One pet savings tip I recently learned was to ask for a vet tech instead of the vet for a routine wellness visit. At Tasker’s last appointment, a vet would’ve cost $110 to for a blood draw and physical while the vet tech only cost $50! • • • • • #pets #dogs #dogowners #doglovers #petinsurance #insurance #savings #dogsofinstagram #rescue #adoptdontshop #BrokeMillennial #personalfinance #gyflt #moneytalks #debtfree #debtfreecommunity
The full BROKE MILLENNIAL series in all her glory! Or is it…? 😉 ▫️ Exciting things may be in the works, but for now I love these three books very much. BROKE MILLENNIAL TALKS MONEY is the one of which I’m the most proud. It’s entirely unique in the genre of personal finance books and carries some of my favorite wisdom I’ve learned about handling and communicating about money. ▫️ Do you have a favorite? • • • • • #Money #conversations #wealth #BrokeMillennial #debtfree #authorsofinstagram #debtfreecommunity #success #happiness #talkmoney #family #friends #career #moneytalk #lifestyle #support #job #goals
Being able to financially afford a dog was one of my first steps towards financial freedom. I knew that my life would not feel complete without a dog. But I also knew that I needed to have a certain level of financial stability first to provide a good home. It took four years of side hustling on top of my day job before I finally felt in a position to adopt my first dog, Mosby. He was a senior rescue with a heart condition. That wasn’t cheap. I built an emergency savings fund just for him so that I could handle unexpected costs that came my way. I was able to give him an amazing last three years of his life. After his passing, my husband and I adopted our first puppy, who is now the beautiful adult dog you see here. She’s healthy, but still gets her own emergency savings fund! No matter what signifies your growth towards financial freedom, BROKE MILLENNIAL WORKBOOK can help you achieve your goals. Based on my decade of experience in personal finance, this fourth installment of the Broke Millennial series offers new insights, strategies, and exercises to get you on track and motivated. BROKE MILLENNIAL WORKBOOK can help you build (or improve) your financial stability! Available wherever books are sold. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy
✨💸Broke Millennial WORKBOOK is out TODAY!!! To quote myself in the introduction… Unfortunately, it’s clear to me that even with a massive influx in access to personal finance information and education, so much anxiety about money still exists.. This needs to be fixed now. Failing to do so means setting yourself up for alife of mental and emotional stress. That may sound dramatic, but no one deserves to live in the anxiety of a paycheck-to-paycheck cycle or fretting about the smallest unexpected expense upending their entire lives. The good news is that you can break free of that (or avoid it entirely), and I’ll show you how. • • • • • • • • • • #debtfreecommunity #BrokeMillennial #bookseries #financialfreedom #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #workbook #publicationday #takecontrol
Pet insurance. Worth it or not? Generally, I’m pretty into the importance of insurance, but in this case, for us, it’s long been a pass. Let’s be clear, that doesn’t mean it’s the right answer for you! ▫️ This started as a decision with our first dog, Mosby, who was a senior rescue with a heart condition. We knew pet insurance wouldn’t really offset much of the cost due to his pre-existing condition and it made more sense for him to have his own emergency fund. ▫️ Tasker is similarly an uninsured pup. She’s a healthy mutt with no underlying issues, at least not yet, and no likelihood of a breed-specific genetic problem. (This is one of the advantages of rescuing mixed-breed dogs vs buying from a breeder.) She also doesn’t have a history of chewing and ingesting toys nor eating things she shouldn’t. ▫️ Instead of pet insurance, Peach and I set money aside each month into Tasker’s emergency fund. Because a lot of pet insurance plans don’t cover wellness visits and routine care like vaccines without an additional add-on cost, it just doesn’t seem to be advantageous for Tasker. For those who own breeds that likely will experience health issues or are more susceptible costly ailments like GDV or hip dysplasia, then insurance can be a big help! ▫️ There are also different types of plans like accident only or illness only, which can reduce the cost of premiums and provide peace of mind. Accident-only is the one I would consider. ▫️ It’s also important to know your pet insurance’s deductible and have that as part of your general emergency savings (or your pet’s specific emergency fund). ▫️ One pet savings tip I recently learned was to ask for a vet tech instead of the vet for a routine wellness visit. At Tasker’s last appointment, a vet would’ve cost $110 to for a blood draw and physical while the vet tech only cost $50! • • • • • #pets #dogs #dogowners #doglovers #petinsurance #insurance #savings #dogsofinstagram #rescue #adoptdontshop #BrokeMillennial #personalfinance #gyflt #moneytalks #debtfree #debtfreecommunity
The full BROKE MILLENNIAL series in all her glory! Or is it…? 😉 ▫️ Exciting things may be in the works, but for now I love these three books very much. BROKE MILLENNIAL TALKS MONEY is the one of which I’m the most proud. It’s entirely unique in the genre of personal finance books and carries some of my favorite wisdom I’ve learned about handling and communicating about money. ▫️ Do you have a favorite? • • • • • #Money #conversations #wealth #BrokeMillennial #debtfree #authorsofinstagram #debtfreecommunity #success #happiness #talkmoney #family #friends #career #moneytalk #lifestyle #support #job #goals
There have been several moments in my life that marked certain levels of financial stability and then comfort being unlocked. ▫️ An early one was being able to start taking the Amtrak instead of the Greyhound bus to go visit Peach when we were in a long distance relationship (which lasted four years!). ▫️ Another moment was when I could start buying higher quality meat, dairy and produce. ▫️ But in 2019, I decided to book a last minute flight to surprise a friend for her 30th birthday. That really marked a transition for me from stability to comfort when it came to my finances. I still do struggle with a scarcity mindset at times that makes it hard for me to trust feeling “comfortable” and not just stable. Having a variable income certainly doesn’t help with this! ▫️ What was (or will be) a signifier to you that you’ve become financially comfortable? • • • • • #Money #conversations #wealth #BrokeMillennial #debtfree #tweet #twitter #travel #debtfreecommunity #success #happiness #talkmoney #financialcomfort #financialsuccess #moneytalk #lifestyle
💸 CALLING ALL GENERATIONS!!! Anyone (regardless of birth year) can use BROKE MILLENNIAL WORKBOOK to take control of their financial life. You’ll learn to set better goals, create a debt plan customized to you, when and how to start investing, and even how to set healthy boundaries with loved ones in order to protect your financial life. It’s the culmination of the entire BROKE MILLENNIAL series with practical exercises and advice! Available wherever books are sold! #takecontrol #workbook #brokemillennial
Well, it’s true. Books are magic. The other magic was going around New York City and seeing not just one, but four books bearing my name on shelves in bookstores. ✨ #brokemillennial #authorsofinstagram #author #magic #dreamlife
There have been several moments in my life that marked certain levels of financial stability and then comfort being unlocked. ▫️ An early one was being able to start taking the Amtrak instead of the Greyhound bus to go visit Peach when we were in a long distance relationship (which lasted four years!). ▫️ Another moment was when I could start buying higher quality meat, dairy and produce. ▫️ But in 2019, I decided to book a last minute flight to surprise a friend for her 30th birthday. That really marked a transition for me from stability to comfort when it came to my finances. I still do struggle with a scarcity mindset at times that makes it hard for me to trust feeling “comfortable” and not just stable. Having a variable income certainly doesn’t help with this! ▫️ What was (or will be) a signifier to you that you’ve become financially comfortable? • • • • • #Money #conversations #wealth #BrokeMillennial #debtfree #tweet #twitter #travel #debtfreecommunity #success #happiness #talkmoney #financialcomfort #financialsuccess #moneytalk #lifestyle
Yup, I saved $300 by paying in cash. I don’t know about your credit cards, but none of mine offer cash back that would’ve come even close! I guess cash still is king sometimes. ▫️ I learned about this little discount just by actually reading the intake paper work when I went to a new dentist for my regular cleaning. It mentioned offering 5% off if you pay in cash. ▫️ A couple weeks later, I went for an appointment to start Invisalign and brought cash with me for the payment. I asked at the end if I could get a discount for paying in cash (note that I didn’t mention a number.) The receptionist went and checked with the doctor and came back to say, yup, I can give you 10% off! ▫️ This is actually a fairly common practice and doesn’t always require carrying a wad of cash. Some places will accept Venmo or similar payment apps as cash. ▫️ Have you negotiated or gotten a discount on a bill lately? • • • • • #Money #conversations #wealth #cash #cashstuffing #discount #tips #dentist #BrokeMillennial #debtfree #tweet #twitter #debtfreecommunity #success #debtfree #talkmoney #financialcomfort #financialsuccess #moneytalk #lifestyle
💍Getting married (or otherwise committing to a lifelong partnership) is the biggest financial decision you'll make. And no, I don't mean the cost of a wedding. The actual commitment to another person. Marriage is fundamentally a decision to legally and financially bind yourself to another person. Sure, that strips away the romance and the love -- but it's incredibly important to acknowledge. Money causes a lot of fights and tensions in relationships. Failure to communicate effectively about money with your partner is essentially dooming yourself to a series of the same fights over and over at the very least, or a costly separation or divorce. Want to learn how to effectively communicate with your partner about money? Check out BROKE MILLENNIAL TALKS MONEY or BROKE MILLENNIAL WORKBOOK! • • • • • • • • • • #BrokeMillennial #bookseries #financialfreedom #debtfreecommunity #tweet #talkmoney #marriage #personalfinance #bookstagram #financialeducation #financialliteracy #teamlabplanets #workbook #marriage #couplegoals #takecontrol #debtfreejourney
🔊It’s human nature to crave benchmarks. You know you love to compare yourself against other people. You click on the article that says, “This is how much you should have saved by 35” or “You need this much in a 401(k) by 30.” Sure — banks, lenders, and landlords care about benchmarks like debt-to-income ratio or your credit score. THE TRUTH: These rules don’t know you or your goals or how far you’ve come. Do not be demoralized if your current situation is below where a benchmark says you should be. Focus on progress! Ready to build your own benchmarks and take control? BROKE MILLENNIAL WORKBOOK will help! The latest in the Broke Millennial series will empower you to take action and build a strong financial future. Available wherever books are sold. . • • • • • • • • • • #BrokeMillennial #bookseries #financialfreedom #debtfreecommunity #debtfreejourney #personalfinance #bookstagram #financialeducation #financialliteracy #teamlabplanets #workbook #publicationday #takecontrol
Yup, I saved $300 by paying in cash. I don’t know about your credit cards, but none of mine offer cash back that would’ve come even close! I guess cash still is king sometimes. ▫️ I learned about this little discount just by actually reading the intake paper work when I went to a new dentist for my regular cleaning. It mentioned offering 5% off if you pay in cash. ▫️ A couple weeks later, I went for an appointment to start Invisalign and brought cash with me for the payment. I asked at the end if I could get a discount for paying in cash (note that I didn’t mention a number.) The receptionist went and checked with the doctor and came back to say, yup, I can give you 10% off! ▫️ This is actually a fairly common practice and doesn’t always require carrying a wad of cash. Some places will accept Venmo or similar payment apps as cash. ▫️ Have you negotiated or gotten a discount on a bill lately? • • • • • #Money #conversations #wealth #cash #cashstuffing #discount #tips #dentist #BrokeMillennial #debtfree #tweet #twitter #debtfreecommunity #success #debtfree #talkmoney #financialcomfort #financialsuccess #moneytalk #lifestyle