If you're worried about your finances (because hello, we aren't banking on social security checks), Brokenomics is the mindset you need to get your financial life in order.  Click through to read why.

The one thing that unites all of us twenty-somethings is that we’re all just trying to figure it out. Whether “it” is our career path, our love life, or our finances — you can bet your bottom dollar that every twenty-something is confused about something.

If you’re worried about your finances (because hello, we aren’t banking on social security checks), Brokenomics is the mindset you need to get your financial life in order. Brokenomics is about realizing that it’s all gonna be okay, and that you really don’t need that $200 pair of shoes or that 30th lipstick (unless they’re on sale for 90 percent off or it’s a free sample — then by all means, go for it). It’s about making the most of what life has to offer without sacrificing your happiness or racking up debt.

Not just another finance book, the thing you have to remember about Brokenomics by Dina Gachman is that it’s less guidebook, more mindset for your lifestyle. If you’re looking for a step-by-step guide, you’ll probably want to look elsewhere. With a tongue-in-cheek humor, Brokenomics is full of anecdotes that millennials adore, and ultimately, that’s why we consider Brokenomics a must-read.

What makes Brokenomics so freaking fantastic is that Dina uses her anecdotes to separate the practical advice from the impractical situations we tend to find ourselves in as young twenty-somethings. Like the time one of her friends lived in his truck for five years in order to save money. He now owns three properties around Los Angeles (um, #goals).

She weighs the pros and cons of having a sugar daddy (chapter 49) and why you probably should not sell your organs to pay your college tuition (chapter 12) — even though it’s something we’ve all secretly considered at least once. Admit it.

Most college grads are broke and in debt (and if you’re not, you’re definitely the exception), and can’t even fathom what financial freedom really means. Your early 20s are hard years. You’re still growing into your own, discovering your passions and what you’re good at, and trying to find a job to pay Sallie Mae back. It’d be nice if you could afford to eat out on occasion and maybe even a vacation.

Dina has been there, and recently too. She knows exactly what it’s like to want to quit your job, have no money, and big dreams. Plus, we can’t get enough of her Twitter feed, like this little gem right here:

There’s a heck of a lot of finance books out there written to give you step-by-step instructions to achieve X goal or do Y thing with your money. That’s great and all, if you already have a specific goal in mind. Many millennials are just floundering around trying to find a foothold to keep us steady so we can actually make some progress and start our lives.

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Though there are 50 tips, or chapters, a few stood out to me as the greatest advice ever in terms of the Brokenomics lifestyle:

1. Chapter 3: Be Your Own Life Coach

I think life coaches are awesome. The thing is, though, you probably don’t really need a life coach in your early twenties. As Dina says, what you need to do is get of the couch, make your to-do list a priority, treat yourself sometimes, and stop making assumptions. Most importantly, she condones the pity-party… but only for 24 hours.

Your twenties are the time to figure out what exactly your goals are, and how to go chase them.

2. Chapter 26: How To Fix Your Car with Velcro

A lesson in resourcefulness and humility, you can do more than you think you can with way less than you think you can do it with. Still following along? For some reason we think we always need expert advice and experts to do things. Yes, this is true in some cases, but by no means do you have to go with the first person who makes you an offer. Shop around, ask for quotes, and always haggle!

Another important lesson I took from this chapter was that we think we need more and we need better (see also: Chapter 4). That mindset will only keep you chasing the latest thing X company is pushing now only for it to become obsolete in the next year. Learn to be happy with what you have.

3. Chapter 44: You May Be Desperate For Work But That Doesn’t Mean You Should Join a Cult

Oh my god, let’s talk about those creepy Craigslist jobs and spammy companies who pick up your email address from who knows where. Why?! Regardless of your financial situation, these cult-like jobs should be always avoided. We’ve all had an unideal job at one time or another, but there’s a difference between a job that kind of sucks and a job that’s just downright hinky. Dina hashed out her experience with a seemingly normal interview before it turned into something else entirely… don’t miss this chapter.

I truly love the Brokenomics mindset. At GenTwenty, we believe it’s so important that twenty-somethings take control of their own financial futures. Our economy is recovering, but together, we can make it thrive and ensure stable finances for all of us. It all starts with a mindset change.

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Many thanks to Dina for a copy of her book. Like always, all opinions are our own. 

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