Zero to Rich

An invigorating and fresh take on building a bright financial future In Zero to Rich: Secrets to Becoming a Millionaire by 30, celebrated personal finance blogger Fiona Smith delivers an energizing new approach to achieving financial security and independence without living like a monk. You'll discover how to improve your emotional, social, intellectual, and—most importantly—financial wellbeing as you implement the straightforward lessons taught by the author. From clarifying your money goals to paying off high-interest debt, you'll get step-by-step guidance on how to achieve your most critical money milestones. The book provides personal anecdotes, illuminating stories from real people, informational graphics, and engaging end-of-chapter challenges and exercises to help you get started on your new path to financial freedom. You'll also find: Easy-to-follow advice on how to start investing, including the use of tax-advantaged accounts and 401k plans Strategies for maximizing your earnings, like negotiating your salary and building a business or side hustle Techniques for improving your financial security right now, including budgeting and insurance planning An essential financial self-improvement resource for anyone interested in building a brighter future for themselves, their family, and the people they love, Zero to Rich is packed with the expert personal finance knowledge you'll wish you learned in grade school.

Acknowledgments ix About the Author xi Disclaimer xiii Chapter 1: Introduction 1 Chapter 2: Determine Your Purpose 9 Chapter 3: Think of Money as Time, Not Money 23 Chapter 4: Stealth Wealth 31 Chapter 5: Pay Yourself First 37 Chapter 6: Growth versus Fixed Mindset 49 Chapter 7: Find a High-Quality Mentor 59 Chapter 8: Stop Procrastinating 79 Chapter 9: Embrace Failure 97 Chapter 10: The Biggest Financial Decision of Your Life 115 Chapter 11: Increase Your Millionaire Odds 127 Chapter 12: Play the Tax Game 159 Chapter 13: Roth IRA versus Traditional IRA 171 Chapter 14: Assess Your Risk Tolerance 187 Chapter 15: The Eighth Wonder of the World 207 Chapter 16: Become a Master Budgeter 219 Chapter 17: A Discussion about Debt 241 References 255 Index 259