The New Money Rules

“Zhang’s reader-friendly personal finance book provides a fresh take on managing finances from a Generation Z perspective… This is an ideal book for new college graduates or self-starters and a great way to explore a path to possible financial security.” – Library Journal“Finances can feel lofty and overwhelming–but The New Money Rules breaks it down in a way that’s simple, fun, and totally approachable. Lillian Zhang talks about savings, debt, and investing in a way that feels less like a lecture and more like a casual chat with a friend. What I particularly enjoyed is how her practical advice is interspersed with candid anecdotes from her own life–what she’s tried, what’s worked, and what hasn’t. It’s a reminder that you’re not getting advice from someone in an ivory tower, but from someone who’s still navigating life, learning, and generously sharing the lessons so you can thrive too. The interactive bits pulled me right in and made me feel like I was actually building my own plan as I read. Practical, empowering, and relatable, this book is a game-changer for anyone who wants to take control of their financial future without the overwhelm.” – Kyla Zhao, award-winning author of The Fraud Squad and Valley Verified“Lillian has correctly identified why the rules for Gen Z are and need to be different, and she puts these insights right up front! The rest of the book offers great strategies, tips, and examples that will take readers to a much better place in terms of managing their money.” – Bill Fanning, Continuing Lecturer, UC Berkeley Haas School of Business“The New Money Rules is an empowering guide that makes taking charge of your money and the future less intimidating. A must-read for Gen Z!” – Karen Lin, UC Berkeley Career Engagement“Lillian is the money friend we all wish we had sooner. No fluff, no judgment, just real tactical stuff that’ll help you take control and feel good about money.” – Sho Dewan, CEO & Founder of Workhap and host of the Work Happier podcast

LILLIAN ZHANG helps Gen Z and millennials navigate their finances through practical, relatable education that reaches and inspires hundreds of thousands across social media. A Silicon Valley professional and a Haas School of Business graduate from the University of California, Berkeley, she combines real-world experience with actionable financial guidance. She’s been featured on CNBC Make It, Business Insider, Bloomberg, ABC’s Good Morning America, and Yahoo Finance. When not at her day job or creating content for her thriving TikTok, Instagram, and YouTube communities, Lillian enjoys exploring new cities, doing YouTube Pilates workouts, and hunting down the best local eats in the Bay Area.