Fiona Smith 
Zero to Rich 
Secrets to Becoming a Millionaire by 30

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.

Tabela de Conteúdo

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

Sobre o autor

FIONA SMITH is the founder and CEO of The Millennial Money Woman. She has over 10 years’ experience studying and working in finance and investment management. She?s a wealth and investment advisor for clients from a variety of financial and personal backgrounds. She holds a Master of Science Degree in Personal Financial Planning.