If you're like most 18- to 34-year-olds, you're drowning in debt. Student loans, credit cards, car payments, rent-sometimes it seems like the whole system's conspiring to keep you broke. Now it's payback time. With simple strategies and tons of tips, Gen-X and Gen-Y financial expert Carmen Wong Ulrich shows you how to: Beat the battle of expenses vs. income with a bearable budget, Take the sting out of student loans, Go from screwed to savvy with credit card companies, Get the best deal for your car and home, whether you rent, buy, or lease, Grab your piece of the American pie with sound investing.