Hello! My name is Zero and I am a self-made High Net Worth Individual (HNWI).

I’m not a doctor, lawyer, stock market wizard, technology startup guy or one of Donald Trump’s kids. I got a bachelor’s degree at university and got a regular job. I literally started with nothing. I had a very negative net worth when I graduated from college and have been able to build over one million dollars in wealth before turning 35 and have a lot of fun while doing it!

I seek not excessive materialism nor financial asceticism. I seek a “Middle Way” where money can be both used for freedom and enjoyment of life.

I’ve made some good choices throughout my life and wanted to share my experiences with money, saving, and living.