Zero Financial Knowledge 2026/27
From Zero Financial Knowledge to Financial ConfidenceBy Darren Sterling
Length7h 4m
About this audiobook
The financial education the UK school system never gave you. Zero covers everything from reading your first payslip to understanding pensions, mortgages, ISAs, insurance, investing, wills, and digital legacy planning — in plain English, with real UK figures. Written by Darren Sterling and designed for anyone who wants to take control of their money, whatever their starting point.
Audiobook details
GenreEducation and Learning, Self-Help
Length7 hrs 4 mins
Narrated byListen with 1,000+ voices
FormateBook with Audio
Publish dateApr 30, 2026
LanguageEnglish
Table of contents
1Opening Credits
2Audio Preamble
3Important Information
4Tax Year
5Growth Rate Assumptions
Show all chaptersShow less
6Accuracy Disclaimer
7Regulatory Note
8Personal Experience
9Chapter 1: Introduction — Why This Exists
10Opening
11Why I Made This
12Who This Is For
13What This Book Will and Won't Do
14How to Use This Book
15What's Coming
16Chapter 2: Understanding Your Money — Payslips, Tax & National Insurance
17Opening
18Your Payslip — Line by Line
19How Income Tax Actually Works
20The Tax Bracket Myth — Let's Kill It
21The Real Cliffs — Where Benefits Disappear
22Self Assessment — When You Need to File a Tax Return
23Tax Codes — What That Letter and Number Mean
24National Insurance — The Other Deduction
25Your State Pension — Why NI Years Matter
26Self-Employment — Different Rules
27Putting It All Together — What You Actually Keep
28The Bigger Picture — Where Your Tax Actually Goes
29How the Government Raises Money
30Where It Gets Spent
31What Your Tax Actually Buys You
32Up Next
33Chapter 3: Banking Basics — Where Your Money Lives
34Opening
35High Street vs Online Banks
36What Online Banks Got Right
37Do You Still Need a High Street Bank?
38Account Types — What's What
39Premium and Packaged Accounts — When Your Bank Rewards You
40Round-Ups and Penny Challenges — Saving Without Thinking
41How to Think About Where Your Money Sits
42What's Coming
43Chapter 4: Budgeting — Knowing Your Numbers
44Opening
45Why Most People Don't Budget
46The Core Principle — Spend Less Than You Earn
47Income — What Actually Comes In
48Outgoings — Where It All Goes
49Tracking Bills and Dates
50Managing Multiple Accounts
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