The Person Behind Wealth From Zero
I built this site because I couldn’t find personal finance advice that actually made sense for normal people — so I created it myself.
My Story
My name is Marcos Moreno, and like most people, I didn’t grow up with a financial education. No one taught me what a budget really was, how compound interest worked, or why starting to invest early matters so much. I figured it out the hard way — living paycheck to paycheck, ignoring my bank statements, and feeling like building wealth was something that happened to other people.
That changed when I decided to stop avoiding it. I spent years reading, researching, and testing — going through everything from basic budgeting frameworks to investment strategies — and slowly started to understand how money actually works. The more I learned, the more I realized how much unnecessarily complicated, jargon-heavy content was out there making things harder than they need to be.
So I built Wealth From Zero: a resource I wish I’d had when I was starting out. No fluff, no jargon, no products to sell you. Just honest, practical advice that actually works for real people with real incomes.
What This Site Is About
Practical Guides
Step-by-step articles on budgeting, saving, investing, and getting out of debt — written in plain English, not financial jargon.
Free Calculators
5 free tools to help you crunch the real numbers — savings goals, compound interest, debt payoff, emergency funds, and net worth.
No Hidden Agenda
No sponsored content, no products to push, no affiliate pressure. Everything here is written to help you, not to sell to you.
Research-Backed
Every article references real data from authoritative sources — the Federal Reserve, BLS, CFPB, IRS — so you know you’re getting accurate information.
Editorial Standards & Accuracy
Every article published on Wealth From Zero is:
- Researched from primary sources — including the Federal Reserve, Bureau of Labor Statistics, IRS, SEC, and CFPB
- Written for clarity — if a 16-year-old can’t understand it, it gets rewritten
- Reviewed regularly — financial rules change; articles are updated when rates, limits, or laws change
- Free of financial advice — everything here is educational information, not personalized financial advice. Always consult a qualified financial advisor for your specific situation.
Read the full process, our source list and our corrections policy in How We Research & Fact-Check Our Guides.
If you spot an error or outdated information, please get in touch — I take accuracy seriously and will correct it promptly.
Get in Touch
Have a question, spotted an error, or want to suggest a topic? I read every message.
Contact Me →Disclaimer: The content on Wealth From Zero is for educational and informational purposes only. It does not constitute personalized financial, investment, tax, or legal advice. Always consult a qualified professional before making financial decisions.