Aug 01, 2020

NGPF Podcast: Erin Lowry, Author of Broke Millennial

Erin shares her passion for financial education, what led her to write a book and the importance of storytelling to engage young people to take action with their finances. Enjoy!


  • 0:00~0:06 Introduction
  • 0:06~0:46 The kind of work Erin does
  • 0:46~3:54 Early money lessons
  • 3:54~6:35 Working a variety of jobs growing up
  • 6:35~8:12 Starting a blog
  • 8:12~10:26 The breakthrough moment
  • 10:26~12:23 Writing Broke Millennial 
  • 12:23~14:40 Working during the pandemic
  • 14:40~17:50 How Erin is different from other authors
  • 17:50~19:32 Investing and paying off debt
  • 19:32~21:09 Importance of investing for retirement
  • 21:09~23:01 Index funds versus individual stocks
  • 23:01~23:25 A word from NGPF
  • 23:25~26:15 Closing the gender gap in investing
  • 26:15~28:07 What readers get out of reading Erin’s books
  • 28:07~30:34 Awkward money conversations
  • 30:34~32:22 Partners with different investment risk tolerances
  • 32:22~37:38 When to start thinking about paying for college
  • 37:38~40:34 What GenZ students are interested in
  • 40:34~44:34 Popularity of commission-free investing apps
  • 44:34~47:17 Conclusion 



  • “I still think that as boring as it is, you gotta go with your vanilla basics. I’ve said the word vanilla a few times, it’s my favorite flavor, it’s a delicious nuanced flavor. I don’t know why we use it as an example of boring. I think it is so important that you start with the basics and have a very strong understanding of the basics before you level up to what’s next”


About the Author

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

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