The financial planning landscape for millennials is fundamentally different than for any other generation that has come before. Between unprecedented student loan debt and income levels that have lagged behind those of previous generations, building wealth as a millennial can seem like a daunting, confusing, and often impossible feat.

As a millennial and financial planner, Rachel Podnos O’Leary understands the unique obstacles and opportunities that face her generation. In 21st Century Wealth, her no-nonsense personal finance guide, she shows you how to achieve financial independence, no matter your starting point. With tips on how you can build wealth through cash flow planning, debt reduction, investing, and strategic tax planning, you’ll learn how to leverage time and money as your most precious resources. Whether you’re working on paying down student loans or wondering how to invest your 401(k), this simple guide has the answers you need.