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Money q&a with author of the broke millennial on getting your financial life together what inspired you to write broke millennial? Broke Millennial started when I first realized most of my millennial friends didn’t have the same relationship to money that I did. It seems so naive upon reflection, but I grew up in a home where money was discussed openly and often, with no tension or fighting. That was norm to me and how I assumed most others related to finances. Even when I wasn’t earning much (we’re talking less than $25,000 living in New York City) – I still didn’t feel stressed about money because I knew how to handle it. Once I noticed that even my friends who’d grown up without financial stress, didn’t have debt or dependents and were still stressing about money, I knew I wanted to help make a shift in how people understood and related to money. I elected to use storytelling instead of listicles or preaching at people as a means to get readers hooked and then “tricked” into learning about money. why is budgeting so overwhelming for so many millennials? Budgeting isn’t exclusively overwhelming or frustrating for millennials. We certainly don’t have a monopoly on the annoyance of learning how to budget. The bigger issue is finding out what specifically works best for you and your unique financial life. There are so many budgeting styles (and plenty of apps and software to help us out), so there’s no excuse for refusing to get a handle on your cash flow. What seems to happen more often is someone tries one budgeting style, doesn’t like it, and then gives up altogether claiming budgeting is hard/ frustrating/too complicated. If budgeting is making your financial life more overwhelming instead of helping – then you’re not using the right system for you. 42


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