Welcome to youngandnotbroke.com – your online resource for young professional financial education!

We are here to give you the basic lessons you need for learning how to save, invest, and to financially put yourself in the best position now to secure independent wealth over the course of your career. Whether you are just starting off in your career, or you are an investor with more experience and are looking to brush up on your current knowledge, we hope you will find this resource useful as well as written in plain English.

What you won’t find here are hot stock tips, get rich quick schemes, sales pitches, and tons of information you don’t need to make basic financial decisions. We have organized the site from left to right in terms of the advancement of topics. So, if you’re completely new, start off on the “Overview” page to review some starting principles, and move from topic to topic within each category at the top of this page to develop a solid knowledge base. Otherwise, fast forward to your preferred section.

There is a lot of information here, so take your time! Kick back, grab a drink, read some sections, take the time to absorb them, and come back later for some further reading. We’ve tried to limit the complexity on some of these topics – but it isn’t easy! Don’t get frustrated, go slowly, and ask questions as you move from section to section. You could be rewarded for your time in 40 years with a retirement you may not have ever imagined for yourself if you take the right steps now.

Wondering what we are doing in this picture? It’s our “back to school” 2020 photo for the Boyer “children” – Tracy started her 1st year at Parsec while Travis entered his 8th.

Jump to What You Want to Know ...


Loss of net worth by delaying investing until you are 30 versus starting at 25 (assuming the individual saves $15,000 annually, achieves a 9% annualized return and retires at age 60).


Loss in potential net worth by investing conservatively from age 25-60 and achieving a 6% annualized return, versus investing more aggressively and achieving a 9% annualized return (assuming $15,000 invested annually).


Loss in your retirement portfolio if you have a smoking habit (assuming $6 pack, 300 packs per year, 3% inflation, 9% market return, age 25-70).

Why we are here to help ...

We owned our first stocks before we could crawl. We are lucky, thankful, and we want you to enjoy early investing success, too!

Travis Boyer


Tracy Boyer Clark