In 2017 at twenty-two, Lauren Simmons became the youngest full-time female trader at the New York Stock Exchange, and the second African American woman in the Exchange to hold such a position. Simmons brings a fresh perspective to personal finance: she is a young African American woman with an understanding of how to increase wealth and an awareness of generational and cultural barriers that can hold people back from taking financial risks. Simmons breaks down the pros and cons of buying stocks and Treasuries, explains how to maximize your 401K opportunities even in challenging economic times, advises how to grapple with student loans, and helps you break family cycles when dealing (or not) with debt.