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

By Darren Sterling

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 the new household-based Child Benefit rules.

What you'll learn:

How your payslip actually works - and the tax traps most people don't seeWhy starting a pension 10 years earlier can double your retirement potHow to start a pension for a child from birth - and turn modest contributions into hundreds of thousandsMortgage strategies that could save you tens of thousands in interestISAs, Premium Bonds, shares, ETFs, gold - explained from scratchThe digital legacy problem nobody talks about - and how to solve it

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.

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

• Format: Paperback
• Language: English
• ISBN: B0GYWN7HV6
• ISBN13: 9798259225398
• Release Date: April 2026
• Publisher: Independently Published
• Length: 230 Pages
• Weight: 0.69 lbs.
• Dimensions: 0.5" x 6.0" x 9.0"