Financial translator Erin Lowry is back! On this episode, the Broke Millennial author breaks down everything we need to know to set ourselves up for financial success in the new year. She details the nitty-gritty of credit scores, budgets, and cutting costs, while also giving tips on how to set big-picture goals and approach financial conversations. Plus, Lowry shares why we all need to let go of the shame we feel when it comes to financial mistakes and why she endorses a no-spend February.