Zero: Financial Knowledge 2026/27 Edition
The UK Personal Finance Guide School Never Gave YouBy Darren SterlingRecorded TrackLength7h 46m
About this audiobook
The financial education the UK school system never gave you. From your first payslip to your final pension, Zero is a no-jargon, beginner-first guide to the money decisions that shape your life — tax, savings, ISAs, pensions, mortgages, investments, insurance, wills, and the digital legacy nobody plans for. This 2026/27 edition is fully refreshed for the new UK tax year, with current thresholds, allowances and rates so the numbers you hear match the numbers on your payslip today. The author threads his own twenty-year journey through the same decisions — first house, first pension, first investments — making it useful whether you're starting your first job or finally figuring out what your pension actually does. Educational, not advice. Plain English. No selling.
Audiobook details
GenreEducation and Learning, Self-Help
Length7 hrs 46 mins
Narrated byRecorded Track
FormatAudiobook
Publish dateMay 8, 2026
LanguageEnglish
Table of contents
1Opening Credits
2Audio Preamble
3Important Information
4Chapter 1: Introduction — Why This Exists
5Chapter 2: Understanding Your Money — Payslips, Tax & National Insurance
Show all chaptersShow less
6Chapter 3: Banking Basics — Where Your Money Lives
7Chapter 4: Budgeting — Knowing Your Numbers
8Chapter 5: Savings & Emergency Funds — The Starting Point
9Chapter 6: Insurance — Protecting What You Have
10Chapter 7: Pensions — The Biggest Thing You’re Ignoring
11Chapter 8: Pensions for Your Children — The Gift of Time
12Chapter 9: Your Home — Mortgages Demystified
13Chapter 10: Mortgage Strategies — Saving Thousands
14Chapter 11: Investing Basics — Shares & ETFs
15Chapter 12: Commodities — Gold, Silver & Physical Assets
16Chapter 13: Other Investment Paths — Credit Cards, P2P, Currency & Property
17Chapter 14: Day Trading — A Reality Check
18Chapter 15: Wills & Trusts — Where Your Money Goes
19Chapter 16: Divorce — The Financial Side
20Chapter 17: Your Digital Life — The Modern Problem
21Chapter 18: Wealth Tiers — What Comes Next
22Chapter 19: Closing — Your Next Steps
23Cross-Chapter Reference Materials
24Bibliography
25External References
26Audiobook Outro
Series
More from Darren Sterling
Start Here Start NowLiz Kleinrock4h 20m$20
Children Under FireJohn Woodrow Cox10h 17m$29 · $0.00
En ComunidadCarla España, Luz Yadira Herrera6h 10m$23
Textured TeachingLorena Escoto Germán4h 25m$20
The State Must ProvideAdam Harris7h 15m$24 · $0.00
The Call of the Wild and FreeAinsley Arment9h 7m1.0 (1)$29 · $0.00
The Freelance WayRobert Vlach19h 48m$40 · $0.00
Race to the BottomLuke Rosiak9h 20m$29 · $0.00
We Got ThisCornelius Minor6h 28m$23
They Came for the SchoolsMike Hixenbaugh9h 5m$8 · $0.00
Find Me UnafraidKennedy Odede, Jessica Posner11h 11m$29 · $0.00
A Novel ApproachKate Roberts5h 22m$20
Being the ChangeSara K. Ahmed5h 27m$20
Asking for ItKate Harding8h 55m$20 · $0.00
When Kids Can't Read—What Teachers Can DoKylene Beers12h 31m$25
Defining Moments in Black HistoryDick Gregory7h 37m$26 · $0.00
The Emerald Tablets of Thoth the AtlanteanMaurice Doreal3h 4m$6 · $0.00
May Tomorrow Be AwakeChris Martin7h 53m$26 · $0.00
The Joy of ReadingDonalyn Miller, Teri Lesesne7h 59m$23
Comprehension ConnectionsTanny McGregor3h 20m$20
Finding Your VoiceMannette Morgan8h 10m$20
Forever BoyKate Swenson9h 27m$29 · $0.00
You Are Worth ItKyle Carpenter, Don Yaeger8h 53m$29 · $0.00
The Happiest Man on EarthEddie Jaku3h 48m$7 · $0.00
Finding MeViola Davis9h 15m5.0 (2)$29 · $0.00
AretéBrian Johnson19h 57m$35
Spiritual AnatomyDaaji Kamlesh D. Patel9h 47m$29 · $0.00
The Dangerous Truth about Today’s MarijuanaLaura Stack CSP, MBA9h 57m5.0 (1)$20 · $0.00
Birdie & HarlowTaylor Wolfe7h 50m$26 · $0.00
The Boy, the Mole, the Fox and the HorseCharlie Mackesy58m$11 · $0.00
Ghetto BastardK’wan7h 37m$20
Legally YoursManasi Chaudhari8h 52m$29 · $0.00
CrossroadsKaleb Dahlgren7h 56m$26 · $0.00
Life on the BridgeKaelynn Partlow5h 40m$24 · $0.00
From Questioning to KnowingLisa Barnett5h 34m$17
Keep Your Love OnDanny Silk9h 4m$10 · $0.00
The Manifestation CodeRaimon Samsó5h 54m$18
Parents And ChildrenCharlotte M. Mason13h 8m$2.30
The Tao of Joy Every DayDerek Lin10h 24m$20 · $0.00
UndividedVicky Beeching9h 2m$29 · $0.00
You may also like
The Power of VoiceDenise Woods10h 15m$29 · $0.00
Your Hidden GeniusBetsy Wills, Alex Ellison7h 7m$7 · $0.00
The Essays of Arthur Schopenhauer: the Wisdom of LifeArthur Schopenhauer3h 35m$2 · $0.00
Can human problems be solved?Jiddu Krishnamurti1h 12m$4 · $0.00
Louder Than WordsJoe Navarro, Toni Sciarra Poynter6h 49m$24 · $0.00
Vocal MasteryHarriette Brower5h 22m$2 · $0.00
Honey, I'm HomeMichael P. Thomas25m$1 · $0.00
ThrivingDavid Reid9h 35m$18 · $0.00
How to Be a Great Swim ParentChuck Warner1h 48m$15
The Inner SecretWilliam Walker Atkinson4h 32m$2 · $0.00
Overcoming NegativitySteve Pavlina3h 17m$6 · $0.00
The Victorious Attitude (Annotated)Orison Swett Marden7h 37m$1.20 · $0.00
Deep Sleep MeditationDeep Sleep Meditation1h$8 · $0.00
The Elephant Man and Other ReminiscencesFrederick Treves4h 58m$1 · $0.00
Things No One Taught Us About LoveVex King5h 55m$24 · $0.00
Menticulture; or, the A-B-C of True LivingHorace Fletcher2h 33m$1 · $0.00
What Do Women Want?Daniel Bergner6h 46m$24 · $0.00
Education as Service (Annotated)J. Krishnamurti3h 2m$2 · $0.00
Power Over PerimenopauseDr. Greg Mongeon4h 46m$20
WHAT IS ART? & WHEREIN IS TRUTH IN ART? (Meditations on Aesthetics & Literature)Leo Tolstoy20h 51m$1 · $0.00