How to Rewrite Your Money Story and Build Real Wealth with Rose Han
Yo Quiero Dinero
Jannese Torres
4.8 • 616 Ratings
🗓️ 1 September 2025
⏱️ 41 minutes
🧾️ Download transcript
Summary
What happens when you do everything “right”—go to college, land the six-figure job, make your family proud—and still end up buried in debt, burned out, and feeling trapped? In this episode, Jannese sits down with Rose Han, a first-gen wealth builder, YouTuber, and now author of Add A Zero. Rose opens up about her journey from over $100K in student loan debt to becoming a self-made millionaire, and the mindset shifts, financial strategies, and rebellious choices that made it possible.
We talk about:
- The real impact of student loan debt on millennials & Gen Z’s version of the American Dream
- Why “employee income” is the least free kind of income (and what to focus on instead)
- Rose’s Add A Zero framework for going from negative net worth to your first million—step by step
- How money identity, family conditioning, and cultural expectations shape our financial choices
- Why sometimes you have to ignore your parents’ advice and carve your own path
- The freedom and fulfillment that come when you stop playing small and start building wealth on your own terms
If you’ve ever felt stuck in debt, confused about money, or pressured to follow someone else’s script for success, this conversation is your permission slip to rewrite your financial story.
📘 Grab your copy of Add A Zero at addazero.com and get access to Rose’s bonus content.
📺 Follow Rose on YouTube and socials: @itsrosehan.
This podcast was produced and edited by Idea to Launch Productions
Hosted on Acast. See acast.com/privacy for more information.
Transcript
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| 0:00.0 | This week on Yo Kiro Dinoero. |
| 0:01.9 | That is what so many of us are sold as the American dream, right? |
| 0:05.8 | It is go to school, get the fancy degree, like make your family proud, make a bunch of money. |
| 0:10.2 | But at the same time, we're shackling ourselves to debt that usually takes people a lifetime |
| 0:15.0 | to pay off, if that. |
| 0:16.9 | And it feels like more of a nightmare than a dream. So nowadays, spending six figures to get a |
| 0:24.5 | college education actually makes very little sense because of the pace that the world is changing |
| 0:30.7 | and college education doesn't keep up. How logical is it to sign up for so much debt to lock yourself into a career that you will |
| 0:39.5 | probably not do or may not even exist in five years? |
| 0:46.1 | You're listening to Jo Quiero Dinoero, a personal finance podcast for the modern Latina. |
| 0:52.2 | I'm your host, Janice Torres, award-winning Latina personal |
| 0:55.7 | finance expert. I didn't always have my financial shit together, but when I started looking for |
| 1:00.7 | POC-friendly personal finance podcasts, I couldn't find any. And so Yo Quiero Dino was born. |
| 1:06.4 | On this show, I'll show you how to make Dineiro, how to keep your Dineiro, and most importantly, |
| 1:11.5 | how to make it grow. Each week, I'm connecting you with the most brilliant minds in the world |
| 1:15.8 | of money and business. So you can learn about investing, entrepreneurship, and building wealth. |
| 1:21.1 | The best part, I'm dishing up all this knowledge with a sassy side of sason. So if you're |
| 1:26.8 | ready to be Poderosa with your Dinero, you've come to the right place. Let's dive in. Rose, welcome to the show. I'm really, really excited to talk to you because you have a story that I think is going to blow a lot of people's minds today. And you have a new upcoming book that we're going to talk all about. But first and foremost, welcome to Joquero Dinoero. Thank you so much. I'm so excited to be here. Absolutely. All right. So let's get into your backstory. For folks who don't know you, who are not familiar with your work, first tell us a little bit about who you are and what you do. Yeah. So I teach people about personal finance. And I often think that your greatest pain becomes your greatest service to the world. |
| 2:03.9 | So that's exactly what happened with me. |
| 2:05.9 | I would say I've always been curious about freedom and I always had a little bit of a rebel streak in me. |
| 2:11.8 | But I grew up, daughter of immigrants, Korean-American family. |
| 2:15.6 | And I was told to go to school and succeed in America |
... |
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