Preface

Is This Book Right for You?

HELLO THERE,

Are you someone who is already maxing out your 401(k), making use of multiple investment apps, running a net worth update once a quarter, and reading Morningstar’s website for fun? Awesome! You’re crushing the game and are certainly more than welcome to read this book, but it’s probably fairly rudimentary for you.

Or are you a rookie investor who may not even know what a brokerage account is but really wants to learn how to level up your money game in order to build wealth? Great! Welcome to the perfect beginner investing book.

Infomercial-like start aside, this book is my response to all the emails, DMs, and tweets I’ve received since publishing my first book, Broke Millennial: Stop Scraping By and Get Your Financial Life Together. People got their financial lives together and then they wanted to do more, and “more” meant investing. But I couldn’t just say, “Start investing,” because then the next, logical question was “Okay, but seriously, how do I start?”

I pondered that same question myself once, and I found it more difficult to answer than it should’ve been. Too many of the investing books on the market are jargon-heavy, assume that the reader has a base-level understanding of the markets, or, frankly, don’t address Millennial-specific pain points like whether it makes sense to invest while paying off a student loan. (Yeah, there’s an entire chapter dedicated to that question in this book.)

There will be jargon in this book. There will be stats and numbers. But we’re also going to take things from what I consider the actual beginning: determining if now is truly the right time for you to start investing. We’ll talk it out, and if it’s not the right moment, then this book will still be here for you when you’re ready.

If it is time, well, you’ve got 221 pages of fun waiting for you.

Yours in building wealth,
Erin