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
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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
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