R
ose Han is a YouTuber, financial educator, and author of 'Add A Zero.' She overcame $100,000 in debt by increasing her income and controlling expenses. After tackling her debt, she focused on investing and built a seven-figure net worth.

    Han's parents moved to the US when she was a toddler, instilling in her the importance of education, regardless of cost. She graduated from NYU but accumulated six-figure student loans and credit card debt. Feeling shame and overwhelmed, Han had a "financial awakening" after two years of avoiding her situation. She realized that addressing her debt was crucial to achieving her desired lifestyle.

    In 2014, Han made significant changes by increasing her income through raises and side hustles, and reining in her spending. She prioritized high-interest credit card debt and invested while paying off student loans. Her wealth snowballed as she created more revenue streams and invested more money.

    Han's advice is to focus on the income side of investing, allowing for increased investment potential. As of 2025, she has a seven-figure net worth from her stock and real estate portfolios. She invests in index funds, dividend stocks, and rental properties.

    Han owns Vanguard Total Stock Market Index Fund ETF (VTI), Vanguard Total International Stock Index Fund ETF (VXUS), and Vanguard Real Estate Index Fund ETF (VNQ). She also buys individual stocks like Berkshire Hathaway (BRK.B) and Coinbase (COIN), as well as dividend stocks for passive income. In real estate, she invests in long-term rentals, preferring cash-flowing properties over short-term vacation rentals.

    Han has a small portion of her portfolio in crypto and options trading, but prefers to play the long game with index funds and rental property investments.