About YD&NB


Hey, I’m Shelby and welcome to Young, Dumb, and NOT Broke?!. YD&NB’s goal is to simplify your finances and build long-term wealth. I started this mission in 2017 when I self-published Young, Dumb, and NOT Broke?!. From then on I have had this endless desire to empower people with their money and give them clear-cut advice because life’s too short to be worried about whether you are going to be able to pay rent next month.

I was born and raised in Kansas and attended Wichita State University where I received my bachelor’s degree in Business Administration with an emphasis in Finance. While in college, I worked for one of the largest corporations in the world as well as started my own small business. One thing led to another, and I realized that corporate life wasn’t for me. Since then, I have started multiple small businesses that cover a wide spectrum. I’m not special and still have a regular job just like most of you do, but I can say that there are things I’ve learned in my life that have given me the opportunity to be financially independent, and isn’t that the ultimate goal?

Money is a fun topic for me, but I’m also aware it is an extremely dry topic to the majority. This leads me to why I do what I do.

A few months after I published Young, Dumb, and NOT Broke?! I started receiving texts, emails, and Facebook messages from people I haven’t talked to in years. The central theme of these messages was something like this: “Thank you for making this so easy and straight to the point. I now know I can manage my money.”

And that is exactly why this website exists; to give people free content that they can use to learn the basic tips of managing money. We’ll cover everything from how to save on your grocery bill to calculating your net worth and everything in between. I’ll also be featuring guest writers to give you their personal experiences dealing with debt, buying a first home, and retiring early.

I’m here to help you, so don’t ever be afraid to shoot me a quick email or drop a comment or a question on a blog post. Like I said earlier, I’m not special. I’m just a regular guy that enjoys the outdoors, hanging out with his friends, and grabbing TacoBell at 3 am. But, I also believe we can all become more financially savvy together!

Other Places To Find Us


Check out some of the other places YD&NB has been mentioned.

Guests Posts

Interviews (Podcasts, YouTube, Other)



Young, Dumb, and NOT Broke?! is an independent website managed by Shelby Grosch, who is not a trained financial expert. His knowledge comes from the school of hard knocks. He does his best to provide accurate, useful information but makes no guarantee that all readers will achieve the same level of success. If you have questions, consult a trained professional. Young, Dumb, and NOT Broke?! aim is to provide the best financial information possible. As part of the process, we naturally mention and recommend various products and services. Some (but not all!) of the companies we mention on this site may pay us a referral fee or commission when customers visit and/or are approved for various products. This compensation doesn’t cost anything to you, the reader, and it makes it possible for YD&NB to continue providing the best possible info.