Own Your Money

Book excerpt: Join TikTok star Michela Allocca (@BreakYourBudget) for a crash course in everything personal finance. In Own Your Money, Michela shares all the tools you need to manage, save, invest, and set a routine to improve your financial life. You’ll find chapters for: Budgeting: Don’t make it a dreaded B-word! Learn about various strategies including 50/30/20, zero-based, and 3-bucket budgets. How to save: It’s all about being SMART (specific, measurable, achievable, relevant, and time-bound). How to spend money: That’s right, a plan for spending is important too! With a quick analysis of values and priorities, you can spend without feeling guilt—yes, even on fancy coffee. Investing: Learn the difference between 401ks and IRAs, investment types from index funds to target date funds, and relate it all back to core concepts in investing (like diversification). Jobs and careers: If your dream job doesn’t exist, join the club! Learn how to find satisfaction through the tasks you want to do, networking, and career pivots. Increase your earning potential: Set yourself up for a raise/promotion, negotiate a job offer, and figure out if a side hustle is right for you. With illustrations, helpful charts and graphics, and templates to help you plan, this is a book that’s meant to partner with you to achieve your financial goals.