Add a Zero: A Step-by-Step Guide to Financial Freedom and Getting to Your First Million

by Rose Han

Practical tools from a self-made millionaire to overcome financial struggle and watch your net worth grow—one zero at a time

There's no doubt about the financial struggle to gain any footing is real. But whether you are in debt or simply feel like your paychecks vanish upon arrival, you can take control of your money. Financial freedom is meant for you. You just need a real-world plan to get there.

Based on the lessons she learned in her journey going from $100K in debt to self-made millionaire, YouTube money expert Rose Han shares a detailed and doable road map to financial freedom. Her actionable five-step method provides you with the tools you need to get out of debt and maximize your net worth.

With Rose as your guide, you will

The mindset shifts to gain confidence and take meaningful action The fundamentals of personal finance and creating your own personal finance statement Investment strategies to make your money work for you How to generate income streams Don't let fear hold you back. Now is the time to turn your goals into a reality—one zero at a time!

Genres: Finance, Nonfiction, Personal Finance

Audible Audio

Published September 2, 2025

About the author

ROSE HAN is an internationally renowned money expert, educator, traveler, and book nerd on a mission to show others how to create financial freedom. On her wildly popular YouTube channel, she’s shared her entire financial journey of going from $100K in debt to becoming a self-made millionaire. Rose has been featured in The Wall Street Journal, Business Insider, and CNBC, and has helped millions of people pay off debt, start investing, and build wealth. rosehan.com

Reviews

[marta the book slayer · Rating 4 out of 5]

absolutely great introduction to getting your finances in order ✅ highly recommend!!

[Donna · Rating 4 out of 5]

I often read books like these on behalf of my young adult children. I like to encourage them to not make the same mistakes their parents did.

The author was very personable and used a lot of her own life experiences to add punctuation marks to these step to financial freedom. I think this would be a great book for those who are new to this idea of financial freedom and the work and discipline that is required to achieve it. Often that's a real news flash when one is new to "adulting," as my daughter likes to say.

But really, there is nothing new here. Everything she suggests, you can find in other books offering the same thing. So yes this is a great starting point, but so are the other books. But please, get started. Don't wait. It's never too soon to start thinking about this. I wish I had access to this information 40 years ago. So 3 stars for me, 5 stars for those I'd recommend this to. Which brings me to 4 overall stars.

[Julie · Rating 4 out of 5]

I wish I had this book when I was first learning about finances. This is a great intro to finance book that I would recommend to those first starting out. Most of the information was not new to me but I still enjoyed reading it. I also liked the way the emotional side of money was touched on.

I think this book slightly glazed over how many people are really struggling and living paycheck to paycheck. A lot of people are not getting tens of thousands of dollars for a bonus in their early career. But Rose worked her way to where she was and it was well earned. It just accelerated her path a lot quicker than most people will experience.

[Monica · Rating 5 out of 5]

No one has ever motivated me to get my finances together like Rose Han has! I started watching her YouTube videos during the pandemic & that began my trip down the rabbit hole of the personal finance world. Her wealth of knowledge is so easy to digest & her journey from being in student loan debt to becoming a self made millionaire is super inspiring. This audiobook was great to listen to while doing chores around the house & might reiterate stuff you already know if you’re familiar with budgeting & investing.

[Ernestasia Siahaan · Rating 4 out of 5]

I've followed Rose on YouTube, joined her masterclass, where I learned so much that I wanted to support her book as well. And I still learned something new/gained new inspiration from reading this book.

I'd definitely recommend this to anyone who'd like to practical tips to get their financial freedom.

[Kristin · Rating 5 out of 5]

While the ideas aren't anything new, I really like the way Han explained things. This is a more modern (less cringe) take on "Rich Dad, Poor Dad" - down to the structure of the chapters. However, Han is far more personable and give actionable steps, free downloads to go with each chapter, and examples of how the steps could be applied in a variety of situations.

[Tanya Jain · Rating 5 out of 5]

This book is so well written and informative! It’s actually very, very close to the exact strategy I use to build my own wealth and I think it will be helpful for so many people who are just getting started.

[James Marotta · Rating 4 out of 5]

A step by step guide from debt to financial freedom. Easy to read and understand to motivate yourself to see money in a different way. Don't wait to read this.

[Sean · Rating 2 out of 5]

Meant for someone with almost zero financial knowledge. Also I’m fairly sure the comparison of Roth v Traditional IRA returns is just incorrect.