A recent survey revealing that 46% of middle-class Americans are living paycheck to paycheck. Many middle-class families are struggling to save and plan for their future.

Getting off to the right financial start has never been more important, or more complex. It was simpler when there were just checking accounts and CDs, now there is a firehose of information and financial options that can be endlessly confusing. I wrote The Broke Grad to distill all that information into something that’s readable for those that need to read it. I didn’t setout to make a long book, or a book with everything, but it covers the essentials to get off to a good start.