Everyone says "stop buying coffee" like that's the reason you're broke. It's not.

Here's what's actually destroying most young adults' budgets:

Subscriptions you forgot about. The average person has 6-8 active subscriptions they barely use. That's $80-150/month gone.

"Sales" that aren't savings. Buying a $100 jacket for $60 isn't saving $40 — it's spending $60 you didn't plan to spend.

Lifestyle inflation. Got a raise? Your expenses mysteriously went up too. That's not coincidence — that's a pattern you need to break.

The real fix isn't cutting everything. It's knowing the difference between spending that builds your life and spending that drains it.

I built Empower Finance to teach young adults exactly this — how to budget without being miserable, how to spot what's actually worth paying for, and how to build real financial habits that stick.

If you're 18-25 and tired of feeling behind with money, this is for you.