An easy-to-follow financial literacy guide for BIPOC (Black, Indigenous, and People of Color). Financial help can be hard to find but So . . . This Is Why I'm Broke gives practical and simplified financial tips for you to financially thrive. A safe space for all BIPOC. Financial help is right here! Melissa Jean-Baptiste of "Millennial in Debt" is a first generation American providing listeners with accessible financial tips and advice wrapped up in her story of paying off over $100,000 on a teacher's salary. Melissa makes financial literacy relatable and easy to understand. Action steps to develop your financial literacy. Learn about budgeting for beginners, fixing your credit score, investing, and passive income ideas. With this guide, financial literacy gets broken down step-by-step through interesting perspectives and historical points. Inside, you'll find: - An accessible financial guide on financial literacy and investing for beginners - The story of Melissa, a "Millennial in Debt" teaching others how to thrive financially - Practical examples on budgeting for beginners and passive income ideas, and the best budgeting book