1918: From $100K in Debt to a Seven-Figure Net Worth

What if doing everything “right” still left you broke, burned out, and quietly panicking about money?

Today’s guest followed the script perfectly. Elite degree. Wall Street job. Big bonus. The kind of career that looks wildly successful from the outside. But behind the scenes, she was carrying nearly $100,000 in student loan debt, living paycheck to paycheck, and realizing that the life she worked so hard for wasn’t giving her freedom at all.

That moment of reckoning became her financial awakening.

My guest today is Rose Han, YouTuber, money educator, and author of the new book Add a Zero. Rose went from six figures of debt to building a seven-figure net worth, not by chasing flashy investments or overnight wins, but by radically rethinking her relationship with money, work, and freedom.

In this conversation, Rose shares the mindset shifts that helped her escape debt, why income alone doesn’t equal wealth, how she built assets from scratch with almost no capital, and why even after “making it,” she chose to recalibrate her definition of enough.

We also talk about rewriting the financial rules millennials inherited, betting on yourself in an uncertain economy, and how to build a life that feels rich — not just one that looks rich.

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