95% Broke is an easy to understand book about empowering people to take control of their finances. This book is a must read for Millennials who are just starting their financial walk in life Sir Jr., a.k.a. Johnny Lee, has hit a home run with this compelling and energetic book of finances that has inspirational quotes as well as examples of do's and don'ts. Learn to save more and spend less while improving your lifestyle. Learn sound financial principles like paying yourself first, ways to become a good steward of your money, and how to calculate your net worth. Know that debt is your number one enemy. Other financial principles like saving 15 percent of your income for retirement, understanding debt-to-income ratio, and the importance of creating a budget are all sound financial principles that could be passed down from one generation to the next. A paradigm shift about your finances must take place so that you won't end up broke, living on social security, and in debt after your career is over. Readers of all ages will be able to glean valuable financial information from this masterful and well-written book. Live life and retire on your terms with dignity and pride, knowing you did what was right for you and your family. It is not about how much you make. It's about how much you keep of what you make.