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User Profile: FollowClick to Follow BrokeMillennialBroke Millennial @BrokeMillennialErin Lowry, 3x author of Broke Millennial series Speaker Writer Financial Translator making $$$ easierNYCbrokemillennial.substack.comJoined January 20131,040 Following30.1K Followers

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Broke Millennial @BrokeMillennial Apr 4Broke Millennial is expanding! I've joined @SubstackInc and will be launching a twice-a-week (yes, you ready that right) newsletter starting this Wednesday! Learn more and subscribe here brokemillennial.substack.comWelcome to BROKE MILLENNIAL with Erin LowryBroke Millennial with Erin Lowry is a twice-a-week newsletter to help everyone (not just Millennials) get their financial lives together and level up their money! 8628

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Broke Millennial @BrokeMillennial Jul 20Newlyweds should feel skeptical about the advice that banking jointly is the "right way" to handle money in a marriage.brokemillennial.substack.comWhat's the right way to handle money in marriage?Yes, of course there is a right way to handle money after saying "I do."25


Broke Millennial @BrokeMillennial Jul 6"What did you undervalue at the beginning of your career, but value a lot now?" Quick answer: My time (especially in my personal life).brokemillennial.substack.comWhat do you regret undervaluing?How undervaluing a certain commodity can have damaging consequences.317


Broke Millennial @BrokeMillennial Jun 29Are you screwing up your emergency savings? (Because there's some baaaaad advice out there!) Find out my answer in this week's issue of Broke Millennial with Erin Lowry.brokemillennial.substack.comBroke Millennial with Erin LowryA newsletter for people who want to take control of their money. Click to read Broke Millennial with Erin Lowry, a Substack publication with thousands of readers.12

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The Authors Guild@AuthorsGuild Jun 28IT'S NOT TOO LATE! Learn how to build a sustainable community by effectively using newsletters. In the latest Money Matters, @BrokeMillennial, @karacut, @khemaridh, and @kevmaguire will show you the ins and outs of newsletters. Register now! https://bit.ly/3O8gFON45

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Bloomberg Opinion@opinion Jun 27Our economy is in a will-they-won t-they relationship with the next big recession. @BrokeMillennial has some advice for younger workersbloomberg.comSome Unsolicited Recession Survival Advice to Gen ZMake a bare-essentials budget, start an emergency fund and lean on your networks.334


Broke Millennial @BrokeMillennial Jun 22Debt is hugely profitable for banks. A bank is willing to make you a tasty balance transfer offer because they're certain you ll screw up and generate more debt. Then they ll be able to charge you 20+% APR. Joke is on them because... Read why brokemillennial.substack.comAre balance transfers legit?Breaking down who should consider using a balance transfer and why it can be a wildly effective tool in your debt repayment strategy.2


Broke Millennial @BrokeMillennial Jun 14Cashing Out by @richandregular is an honest and encouraging approach to talking money with a dash of tough love. It s out today and 100% should be added to your reading list!4

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Bloomberg Opinion@opinion Jun 2It takes a significant amount of work to build and monetize a community online, says @BrokeMillennialbloomberg.comCan You Make a Living in the Creator Economy?Some opportunities can be lucrative. But most creators have to string together multiple sources of income.37


Broke Millennial @BrokeMillennial Jun 1Getting into one of my favorite personal finance debates in this week's Broke Millennial with Erin Lowry newsletter!brokemillennial.substack.comShould I invest while paying off debt?Probably. Why you should invest for retirement while working on debt freedom.15


Broke Millennial @BrokeMillennial May 3Have you ever dealt with a surprise medical bill? I went down the rabbit hole about how to deal with this all-too-frequent dilemma in my @bopinion column. https://bloomberg.com/opinion/articles/2022-04-27/personal-finance-how-to-avoid-going-broke-from-surprise-medical-bills Duh70%No (not yet)30%20 votes Final results


Broke Millennial @BrokeMillennial Apr 7Me: "Look at all these deadlines. Woof, so much work to handle in the next few weeks." Universe: "Here's a summons for jury duty."17


Broke Millennial @BrokeMillennial Apr 7Have you ever gone into debt for someone else s wedding?Umm, yeah 9.6%Nope!90.4%104 votes Final results


Broke Millennial @BrokeMillennial Apr 6It s live!! The inaugural issue of BROKE MILLENNIAL with Erin Lowry is in inboxes. You can also check it out at http://BrokeMillennial.Substack.com Wednesday s newsletter is free for all and paid subscribers get a Friday newsletter + other perks.22


Broke Millennial @BrokeMillennial Apr 5Well, it's finally happened. I had to increase the document view in Google Docs and Word from 100% to 125%. Time for that annual eye exam... #ThisIsThirties1214


Broke Millennial @BrokeMillennial Apr 4*read that right. Thank goodness for proofreading being available for the newsletter.1

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Broke Millennial @BrokeMillennial Apr 4Oh so many opinions about #weddings!! Thanks to @bopinion for letting me sound off.Quote TweetBloomberg Opinion@opinion Mar 31No one should go into debt for their own wedding, let alone someone else s. Yet every year, people do, says @BrokeMillennial https://trib.al/HKT0ETz12


Broke Millennial @BrokeMillennial Mar 25Do you keep cash in your home in case of emergencies? My latest for @bopinion digs into whether or not it s an antiquated idea. https://trib.al/tapAZoSAlways.39.1%Nope.60.9%46 votes Final results


Broke Millennial @BrokeMillennial Mar 24Update: He s now watching Bad Vegan between calls.3

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Broke Millennial @BrokeMillennial Mar 24The NYC to DC Acela train (Amtrak) is an intense energy. Why is there always one guy speaking on the phone with his outdoor voice, but acting like he s guarding massive trade secrets?314

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Broke Millennial @BrokeMillennial Mar 24To say I m excited for an in-person speaking engagement would be a massive understatement. #AWP22Quote TweetThe Authors Guild@AuthorsGuild Mar 23Going to #AWP22? Stop by #726 and say hi! Be sure to check out our panel on book tour strategies, hosted by @BrokeMillennial featuring Priyanka Champaneri, @thechloegong, @TimHerrera, and @KSekouM; and our reading featuring Rivka Galchen and Ruth Ozeki! https://bit.ly/3Jyl2jV5


Broke Millennial @BrokeMillennial Mar 10I ve been taking a once-a-week tap dance class for six weeks. Tomorrow is the final lesson for absolute beginners . My main accomplishment is to fumble through most of the routine, but confidently slam down my foot on the final step in perfect in-sync with my classmates.42


Broke Millennial @BrokeMillennial Mar 7Only 33% of women report feeling confident as investors, according to a Fidelity Investments 2021 study. Let s close the confidence gap! I m teaming up with @Fidelity for an event to help supercharge your financial wellness. Register here: https://cvent.me/WrGGMn?RefId=Social_D #sponsored14


Broke Millennial @BrokeMillennial Mar 4Got investing questions? Join me for @Fidelity's FREE virtual events including one with @farnooshtorabi and me on 3/8! Register here https://cvent.me/WrGGMn?RefId=Social_D #sponsoredQuote TweetFidelity Investments@Fidelity Mar 3Register for our free events and keep it real with us. Investing as a woman has its unique challenges. Join us for real talk with financial influencers and Fidelity thought leaders during #WomensHistoryMonth. https://go.fidelity.com/u4x2m20:121.5K views1


Broke Millennial @BrokeMillennial Feb 28We need to it understand history to reckon with the fact that hard work alone just won t suffice. Thanks to @BuildingBread, @richandregular and @DaniaFrancis for their insights on this piece for @bopinion.Quote TweetBloomberg Equality@BBGEquality Feb 28Understanding America's racial wealth gap requires acknowledging an ugly history, says @BrokeMillennial https://trib.al/tMSg8h048


Broke Millennial @BrokeMillennial Feb 21Do as I say not as I do For @bopinion, I share why my down payment savings isn t what most people should do.Quote TweetBloomberg Opinion@opinion Jan 29Buying a house in this market? Focus on saving that down payment, not investing it, says @BrokeMillennial https://trib.al/Cmhavsh1


Broke Millennial @BrokeMillennial Feb 4I stopped in my tracks and practically yelled, Was it Free Food for Millionaires by @minjinlee11?! Uhh, yeah, the woman replied looking startled. That book is in my bag! That s why I m here too! So, yeah, books are magic.23

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Broke Millennial @BrokeMillennial Feb 4At the end of the first class, I made small talk with the only other woman who seemingly attended without a cohort of friends. The topic of how we ended up there arose. She mentioned reading a book that referenced taking classes at the 92Y 14

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Broke Millennial @BrokeMillennial Feb 4After finishing just the intro, I set down the book and started looking up classes at the 92Y. Having attended lectures there, I couldn t believe I d neglected wealth of classes offered. Looking to push way out of my comfort zone, I landed in a beginners tap class.13

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Broke Millennial @BrokeMillennial Feb 4A story about comfort zones and, perhaps, synchronicity. Four days ago I started reading @minjinlee11 s Free Food for Millionaires. Her intro referenced the way in which she was able to piecemeal a writing program in NYC which included classes at the @92Y.3430

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Broke Millennial @BrokeMillennial Jan 25Peach and I just came up with a genius podcast idea: Bills & Bills. I talk about money and he talks about the Buffalo Bills. Neither one of us is that interested in the other s to pic.GIFread image descriptionALT3239


Broke Millennial @BrokeMillennial Dec 20, 2021I m even more entrenched in my yes, revenge spend mentality as omnicron continues to spike. Since getting vaccinated last summer, I indulged in live events by seeing 20+ standup sets/specials, 9 plays, 2 music festivals and 1 real housewife-related performance. #noregretsQuote TweetBroke Millennial @BrokeMillennial Dec 20, 2021In the summer of 2020, the the concept of revenge spending became a hot topic conversation. The swarm of personal finance advice to preserve savings and avoid this post-pandemic behavior wasn t far behind. I wasn't so sure it was the right advice... https://bloomberg.com/opinion/articles/2021-09-16/personal-finance-is-it-smart-to-revenge-spend-on-dining-and-travel Show this thread25


Broke Millennial @BrokeMillennial Dec 20, 2021You know what? I just can't finish without plugging one of my all-time favorite controversial topics: PRENUPS! Or as I'd like to rebrand it: Marriage Insurance (with an upfront premium.) And yes, I have one.bloomberg.comMillennial Couples Need to Get Used to PrenupsIt makes sense to plan for your financial well-being inside and outside of marriage.17

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Broke Millennial @BrokeMillennial Dec 20, 2021Want to read other opinions of mine including: what to do if you feel behind with your $$$, how to gift to kids that aren't yours, what to do after you max out retirement? Go to @bopinion https://bloomberg.com/opinion/authors/AU3nClYppUM/erin-lowry GIF16

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Broke Millennial @BrokeMillennial Dec 20, 2021Actually, the generational feuds reminds me of a final favorite piece...Some Unsolicited Career Advice for Gen Z Graduates. This side-parting, skinny-jeans-wearing 30-something had a few things to say about building your career. https://bloomberg.com/opinion/articles/2021-10-26/how-to-find-a-first-job-some-unsolicited-career-advice-for-gen-z-graduates GIFread image descriptionALT12

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Broke Millennial @BrokeMillennial Dec 20, 2021As we entered the fall, I noticed a trend of complaining (once again) about Millennial's work ethics and national staffing shortages. Sick of hearing people resort to the "just get a job" cliche, I tackled why it's not so easy in a hybrid reported piece.bloomberg.comEven in a Labor Shortage, You Can t Just Go Get a Job Finding a role that suits your skills and career path is harder than all those Now Hiring signs make it seem.14

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Broke Millennial @BrokeMillennial Dec 20, 2021Sure, little expenses can add up. Let s say I bought a latte, to the tune of $6.50 including tip, 5 days a week. That s $1,690 annually. Alas, my husband and I have dropped more than that for just one of the eight weddings we ve been invited to in 2021.bloomberg.comFour Weddings and a Financial FuneralMillennials have a front-row seat to the post-Covid wedding boom. Here s how to stay on top of your finances amid all those invites.14

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Broke Millennial @BrokeMillennial Dec 20, 2021Shouldn t we really focus on the more significant financial ramifications that come with social pressure and friend and family obligations? Let's throw some numbers in here...13

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Broke Millennial @BrokeMillennial Dec 20, 2021Speaking of spending, over the last decade, my husband and I have spent more money attending other people s weddings than we did buying a 2018 car in 2020 $10,000 more. It s made me wonder why personal finance experts so often focus on skipping lattes and avocado toast...GIFread image descriptionALT11

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Erin Lowry

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Tue, May 11, 2021 09:22 AM PT

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