What happens when you do everything “right”—go to college, land the six-figure job, make your family proud—and still end up buried in debt, burned out, and feeling trapped? In this episode, Jannese sits down with Rose Han, a first-gen wealth builder, YouTuber, and now author of Add A Zero. Rose opens up about her journey from over $100K in student loan debt to becoming a self-made millionaire, and the mindset shifts, financial strategies, and rebellious choices that made it possible.

We talk about:

• The real impact of student loan debt on millennials & Gen Z’s version of the American Dream
• Why “employee income” is the least free kind of income (and what to focus on instead)
• Rose’s Add A Zero framework for going from negative net worth to your first million—step by step
• How money identity, family conditioning, and cultural expectations shape our financial choices
• Why sometimes you have to ignore your parents’ advice and carve your own path
• The freedom and fulfillment that come when you stop playing small and start building wealth on your own terms

If you’ve ever felt stuck in debt, confused about money, or pressured to follow someone else’s script for success, this conversation is your permission slip to rewrite your financial story.

📘 Grab your copy of Add A Zero at addazero.com and get access to Rose’s bonus content.

📺 Follow Rose on YouTube and socials: @itsrosehan

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