1918: From $100K in Debt to a Seven-Figure Net Worth
So Money with Farnoosh Torabi
Farnoosh Torabi
4.7 • 2K Ratings
🗓️ 15 December 2025
⏱️ 36 minutes
🧾️ Download transcript
Summary
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.
Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open!
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Transcript
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| 0:00.0 | So Money episode 1918 from $100,000 in debt to a seven-figure net worth. |
| 0:08.0 | You're listening to So Money with award-winning money guru Farnush Torabi. |
| 0:12.9 | Each day, get a 30-minute dose of financial inspiration from the world's top business minds, |
| 0:18.2 | authors, influencers, and from Farnoose yourself. |
| 0:22.2 | Looking for ways to save on gas or double your double coupons? |
| 0:25.9 | Sorry, you're in the wrong place. |
| 0:28.2 | Seeking profound ways to live a richer, happier life. |
| 0:31.6 | Welcome to So Money. |
| 0:34.4 | Just to be perfectly honest, I reached the point where I was actually not happy. |
| 0:39.2 | I made all this money and that's what I was supposed to want. |
| 0:44.2 | But I was also burnt out and I felt, yes, I had a team that was helping me in my business, |
| 0:49.4 | but I felt like I was working for them because showing up to all these meetings and managing them. |
| 0:53.9 | And there were all these responsibilities because when you make more money, then you |
| 0:57.7 | have more investments and then you have higher tax bills. So then you have more advisors and more |
| 1:01.7 | insurance. And my life like got complicated and I was losing peace. And because I was working |
| 1:09.6 | a lot, I didn't have a lot of time to hang out with friends and spend |
| 1:12.8 | on my hobbies. And I just drifted in that direction. And then one day I woke up thinking, |
| 1:16.8 | wait, I don't want this. Welcome to So Money, everyone. I'm Farnush Tarabi. What if doing everything |
| 1:22.5 | right still left you broke, burnt out, and quietly panicking about money. Today's guest followed the |
| 1:29.6 | traditional financial script perfectly. She got an elite degree, got the Wall Street job, |
| 1:35.4 | big bonus, the kind of career that looks wildly successful from the outside. But behind the |
| 1:41.3 | scenes, she was carrying nearly $100,000 in student loan debt. |
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