Zero Financial Knowledge 2026/27: From Zero Financial Knowledge to Financial Confidence

This audiobook is narrated by a digital voice.

Nobody taught you this at school.

Zero: Financial Knowledge is the UK personal finance education you were never given. Written for anyone — from first-job starters to mid-career professionals — this book covers everything the education system left out: payslips, tax, pensions, mortgages, savings, insurance, investing, wills, and digital legacy planning.

Updated for the 2026/27 tax year with the latest thresholds, rates, and State Pension figures.

What you'll learn:

- How your payslip actually works — and the tax traps most people don't see

- Why starting a pension 10 years earlier can more than double your retirement pot

- How to start a pension for a child from birth — and turn modest contributions into hundreds of thousands

- Mortgage strategies that could save you tens of thousands in interest

- ISAs, Premium Bonds, shares, ETFs, gold — explained from scratch

- The digital legacy problem nobody talks about — and how to solve it

19 chapters across 4 parts:

Part 1: Foundations — Payslips, tax, banking, budgeting, savings, insurance

Part 2: Growing Your Money — Pensions, child pensions, mortgages, overpayment strategies

Part 3: Investing — Shares, ETFs, commodities, credit card rewards, property, day trading

Part 4: Planning Ahead — Wills, trusts, divorce, digital legacy, wealth tiers

This isn't financial advice. It's financial education — the kind a knowledgeable friend would give you over coffee. Real stories, real numbers, no jargon.

Includes references to the free Zero companion app with 31 financial calculators covering salary breakdowns, pension projections, mortgage overpayments, and more.

By Darren Sterling — not a financial adviser, just someone who wishes he'd known all this sooner.