Rose Han, author of the 2025 book Add a Zero and YouTube host, overcame six-figure debt by increasing income and controlling expenses. You can do the same with han’s nine-part money-saving strategy.
1. Set up an emergency fund. “Emergency expenses are the leading cause of credit card debt,” Han says in her book. Before you address high-interest debt, Han suggests putting $2,000 in a high-yield savings account for emergencies.
2. Pay off your credit card debt. This is usually the most expensive type with an average interest rate of 25%. As for your other debts, Han told Business Insider “if the interest rate is in the single digits, it can wait.”
3. Start investing. If your company offers it, set up a 401(k) plan and start contributing….