If you’ve googled the combo of “millennial”, “Generation Z” and “money” lately, you’ll know the prediction for our financial future (and the chance of us ever retiring) is pretty bleak. Fortunately, not everyone is believing the hype, including one millennial in particular—Emma Edwards founder of The Broke Generation. In her hugely popular blog, the reformed spender turned finance whiz, is breaking down the taboo topics, debunking money myths and simplifying lingo so people like you and me can one day buy their dream home and still eat that avocado toast.