The Zero Theory

The Zero Theory was developed over the course of a decade as a means of learning financial flexibility.  The purpose of the theory is to change the way we have been taught to view money, and to learn a more practical and objective way to save money.  This short book goes into saving, paying bills, and the early stages of investing.  Ultimately, it teaches us that “rich” and “wealth’ are subjective, and are defined by the individual, not by society.  If done right, the theory helps individuals reach a place where they can choose, and are not beholden to a “need”.