[REPLAY] How to Rewrite Your Money Story and Build Real Wealth with Rose Han
Yo Quiero Dinero
Jannese Torres
4.8 • 616 Ratings
🗓️ 15 December 2025
⏱️ 42 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
Hosted on Acast. See acast.com/privacy for more information.
Transcript
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| 0:00.0 | We're shackling ourselves to debt that usually takes people a lifetime to pay off, if that. |
| 0:05.2 | It feels like more of a nightmare. |
| 0:07.6 | Spending six figures to get a college education actually makes very little sense. |
| 0:12.6 | College degrees, and then of course the student loans that help you get that degree, |
| 0:16.3 | help you make employee income. |
| 0:17.6 | Out of the three kinds of income, employee income is the one that provides |
| 0:21.2 | the least amount of freedom. Jeez. Tax efficiency, time freedom is the worst. Yeah. |
| 0:26.3 | Business income and investment income, you don't need to go to college to learn that. |
| 0:32.5 | You're listening to Yo Quiero Dinoero, a personal finance podcast for the modern Latina. I'm your host, Janice Torres, award-winning Latina personal finance expert. I didn't always have my financial shit together, but when I started looking for POC-friendly personal finance podcasts, I couldn't find any. And so Yo Chiro Dineiro was born. On this show, I'll show you how to make |
| 0:54.4 | Dineiro, how to keep your Dino, and most importantly, how to make it grow. Each week, I'm |
| 0:59.9 | connecting you with the most brilliant minds in the world of money and business. So you can |
| 1:04.1 | learn about investing, entrepreneurship, and building wealth. The best part, I'm dishing up all this |
| 1:09.9 | knowledge with a sassy side of sason. So if you're |
| 1:13.1 | ready to be Poderosa with your Dinero, you've come to the right place. Let's dive in. |
| 1:18.4 | Rose, welcome to the show. I'm really, really excited to talk to you because you have a story that I |
| 1:23.1 | think is going to blow a lot of people's minds today. And you have a new upcoming book that we're |
| 1:27.7 | going to talk all about. But first and foremost, welcome to Joquero Dino. Thank you so much. |
| 1:33.5 | I'm so excited to be here. Absolutely. All right. So let's get into your backstory. For folks |
| 1:39.5 | who don't know you, who are not familiar with your work, first tell us a little bit about who you |
| 1:43.0 | are and what you do. |
| 1:50.2 | Yeah, so I teach people about personal finance and I often think that your greatest pain becomes your greatest service to the world. So that's exactly what happened with me. |
| 1:54.2 | I would say I've always been curious about freedom and I always had a little bit of a rebel streak |
... |
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