About — ModernBroke
About ModernBroke
ModernBroke is a media universe about money in America — disguised as a personality test.
Not a finance blog. Not a fintech app. Not advice on how to budget better.
We watch what's actually happening: people on $120K salaries living paycheck-to-paycheck. Lifestyle inflation outrunning raises. Subscriptions silently eating monthly cash flow. Fake rich culture on Instagram while checking accounts run dry. Doomspending after a bad week. The gap between how things look and how things are.
America is financially cooked. ModernBroke is a record of it.
The Seven Archetypes
ModernBroke identifies seven recurring patterns we see across modern American financial life. They're not categories you fit into — they're behaviors most people recognize in themselves and the people around them.
- Brad — Six figures, no savings. Looks successful. Isn't.
- Emily — Lifestyle inflation expert. Every raise vanishes by month-end.
- Tyler — The paycheck cycle. Eats peak Monday, runs out by Thursday.
- Sarah — Subscription accumulator. Doesn't know what she pays for anymore.
- Rachel — Buy-now-pay-later loops. Four installments at a time.
- Daniel — Doomspender. Bad day equals new purchase. Repeat.
- Marcus — Status broke. Designer everything. Zero net worth.
Take the quiz to find out which one you are. Or which ones you see in your friends.
What ModernBroke Is Not
ModernBroke is not financial advice. We do not tell people what to do with their money. We do not endorse products, services, brokers, banks, or investment strategies. We do not provide tax planning, debt counseling, or investment guidance.
For actual financial advice, talk to a licensed professional who knows your specific situation.
ModernBroke is a cultural and editorial brand — an observation of patterns, not a prescription.
The ModernBroke Service
ModernBroke operates:
- modernbroke.com — quiz, archetype profiles, and editorial content
- @themodernbroke — short-form video content on YouTube, Instagram, and (soon) TikTok
All ModernBroke content is created for entertainment and cultural commentary. Read Terms of Service and Privacy Policy before using.
Contact
For inquiries, partnerships, or to get in touch, see Contact.
ModernBroke — financial media for financially cooked America.