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Protect your retirement savings from the impact of rising taxes.

UNTIL TAXES GO UP

Our Mission

Put 1,000,000 Americans on the Road to the
0% Tax Bracket by 2034.

278,885 1,000,000
Based on number of books sold, YouTube subscribers, attendees at Power of Zero retirement workshops, and online client consultations.

Get to the

0% Tax Bracket

If you’re like most Americans, you’ve saved the majority of your retirement assets in tax-deferred vehicles like 401(k)s and IRAs. But what happens when tax rates go up? How much of your hard-earned money will you really get to keep? Unless you can accurately predict what tax rates will be when you take those dollars out, you have no idea how much of that money is really yours.

 

So what’s the solution? The zero percent tax bracket. Why? Because if tax rates double, two times zero is still zero.

Current US
National Debt

$38,389,369,875,885

Get a one-on-one strategy session with a Power of Zero advisor

It’s not too late to transform your retirement. Sign up below, and together we’ll build a strategy to maximize your retirement savings and minimize your tax obligations.

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USA TODAY BESTSELLER

The Guru Gap

Learn How America’s Financial Gurus Are Leading You Astray, and How to Get Back on Track

“It’s been said that ‘You are entitled to your opinion. But you are not entitled to your own facts.’ In this book David helps you distinguish between the one-size-fits-all, opinion-based advice you often get from financial gurus and the proven, fact-based strategy you’ll need to make your money last.”

 

– Tom Hegna
Author of Paychecks and Playchecks

The Power of Zero Philosophy

Meet

David McKnight

David McKnight graduated from Brigham Young University with Honors in 1997. He has been featured in Forbes, USA Today, The New York Times, Fox Business, Bloomberg Radio, MarketWatch, CBS Radio, CNBC, Yahoo Finance, Nasdaq.com, Reuters, Investor’s Business Daily, Kiplinger’s and numerous other national publications. David’s bestselling book The Power of Zero has sold over 400,000 copies and the updated and revised version was published by Penguin Random House in 2018. This book was recently made into a full-length documentary film entitled The Power of Zero: The Tax Train Is Coming. When his follow-up book Tax-Free Income for Life launched in November of 2020, it finished the week as the #3 most-sold business book in the world. When his most recent book The Guru Gap launched in December of 2024, it finished the week at #8 on the USA Today Bestseller list and was the top-selling business book in the world. He and his wife Felice have seven children.

Bestselling Author

David McKnight is the author of four #1 Amazon bestselling books, The Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life, The Infinity Code and The Guru Gap. In his bestselling book The Power of Zero, David McKnight laid out a step-by-step plan on how to get to the 0% tax bracket in retirement. Why is the 0% tax bracket so important? Because if tax rates double, as some experts predict, two times zero is still zero!

DAVID MCKNIGHT HAS BEEN FEATURED ON:

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The Power of Zero Origin Story

Learn How it All Started

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A MAJOR MOTION PICTURE

The Power of Zero

The Tax Train Is Coming

As the US debt spirals out of control, it polarizes society and threatens to disrupt traditional retirement options with an impending freight train of onerous taxes and draconian austerity measures.
Buy or Rent on:
“This movie examines the exploding debt bomb and the coming consequences for YOUR personal financial life.  If you watch ONE movie this year, make it this one!!”
Tom Hegna, Author, Speaker and PBS Host

The Power of Zero Podcast

The Power of Zero Show was created with the express purpose of helping 1,000,000 Americans get on the road to the 0% tax bracket in retirement within the next 10 years.

Spotify Podcast
Apple Podcast

The Power of Zero

YouTube Channel

Your source for first-hand discussions of all things Power of Zero!

The Power of Zero

YouTube Channel

Your source for first-hand discussions of all things Power of Zero!

The Power of Zero

YouTube Channel

Your source for first-hand discussions of all things Power of Zero!

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ Is the 4% rule dead or safer than ever? Suze Orman says retirees should withdraw only 3% to avoid running out of money. Bill Bengen, the inventor of the 4% rule, now says 4.7% may be sustainable. So who’s right? In this video, I compare Orman’s ultra-conservative approach with Bengen’s updated research and explain why both perspectives fall short. I’ll show how adding guaranteed lifetime income through annuities can purge longevity risk far more efficiently than traditional portfolios alone. We’ll run the math on withdrawal rates, show how annuities reduce the cost of generating secure income, and reveal why combining guaranteed income with tax-free strategies leads to a retirement plan that lasts as long as you do. ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ⏱️ Timestamps: 00:00 – The debate over safe withdrawal rates begins 00:30 – Suze Orman: “The 4% rule is dead” 01:00 – Why she prefers a 3% withdrawal rate 01:30 – Bill Bengen updates the rule to 4.7% 02:00 – Why market valuations matter at retirement 02:30 – Comparing Orman’s caution vs. Bengen’s optimism 03:00 – The real flaw: both ignore the annuity solution 03:16 – How guaranteed lifetime income changes everything 04:00 – Example: covering $40,000 of income needs 05:00 – Why annuities can require far less savings 05:30 – What to do with the leftover discretionary funds 06:00 – How annuities purge longevity risk 06:30 – Why guaranteed income + tax-free planning is the winning formula 07:00 – Learn more in Tax-Free Income for Life ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter - @mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLkZjMWpqV0hLQnJF

Suze Orman Says 3%, Bill Bengen Says 4.7% - Who’s Right on Sustainable Withdrawal Rates?

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLkxzQjQyRmpMVzJV

The Secret to a Successful IUL

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLlNWLUpiVDh1NDVv

The Problem With Life Insurance Gurus

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ What if the biggest names in personal finance are giving you advice that could wreck your retirement? Dave Ramsey, Suze Orman, and Ken Fisher have massive platforms and bestselling books, but their one-size-fits-all guidance often falls apart the moment you apply real math, real nuance, and real retirement risks. In this video, I break down why Ramsey’s blanket rejection of life insurance and Roth conversions is dangerous, why Suze’s “5-year emergency fund” makes inflation your biggest enemy, and why Ken Fisher’s crusade against annuities ignores how today’s fixed index annuities actually work. I’ll show you what these gurus get wrong and how a balanced, tax-free approach using the full financial toolbox can protect you far better than their soundbite-ready rules of thumb. ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ⏱️ Timestamps: 00:00 – The Financial Guru Hall of Shame begins 00:30 – Dave Ramsey: when simple advice becomes dangerous 01:00 – Why “100% of cash value life insurance sucks” is wrong 01:30 – Ernst & Young study on IUL retirement income 02:00 – How an IUL shields you from sequence of returns risk 03:00 – Ramsey’s flawed Roth conversion rule 03:30 – The 2035 tax deadline most gurus ignore 04:00 – Suze Orman’s 3–5 year cash emergency fund mistake 05:00 – Why cash fails against inflation in retirement 05:22 – The IUL as a far better volatility buffer 06:00 – Ken Fisher’s anti-annuity crusade 06:12 – Why fixed index annuities aren’t the “trap” he claims 06:45 – The problem with stock-heavy portfolios in early retirement 07:00 – Why guru advice fails real retirees 07:30 – How to build a truly tax-free, customized retirement plan 08:00 – Introducing The Guru Gap and what it exposes ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter - @mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLmp1d09xTVBKZ0VN

The Financial Guru Hall of Shame: Is Their Advice Leading You Off a Cliff?

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLnBuMHQxNUFBQmx3

The Biggest Retirement Mistake

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLlZRYkRrbTN2cFEw

Taxes Are Rising: What It Means for You

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ What if there were an account that gave you a tax deduction going in, tax-free growth, and tax-free withdrawals? Most people would call that the perfect retirement account and it actually exists. It’s the Health Savings Account (HSA), one of the most powerful and misunderstood tax-free tools available today. In this video, I break down who qualifies for an HSA, how the triple tax advantage works, and how to turn your HSA into a long-term wealth-building machine. I also show how saving your medical receipts and reimbursing yourself decades later can create massive tax-free withdrawals, and why many people think of the HSA as a “secret Roth IRA in disguise.” If you’re looking to build a stronger tax-free strategy, especially as healthcare costs rise in retirement, this account may be the missing link. ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ⏱️ Timestamps: 00:00 – The “perfect” retirement account explained: the HSA 00:30 – Who qualifies for an HSA (HDHP rules) 01:30 – The triple tax advantage 02:00 – 2025 HSA contribution limits 02:30 – Why treating an HSA like a checking account is a mistake 03:00 – Pay expenses out of pocket, save receipts, let funds grow 03:30 – The “secret Roth IRA” strategy 04:00 – How tax-free reimbursements work decades later 04:30 – Example: $8,000 per year growing to $760,000 05:00 – Additional HSA perks after age 65 05:15 – What medical expenses qualify 05:30 – How to build your own HSA mega fund 06:00 – Why the HSA is a cornerstone of a tax-free retirement plan ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter - @mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLnAybVpGTTh3bVFZ

The Secret Tax-Free Wealth Building Hack in the IRS Tax Code

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter -@mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLmUtNUdFZ1l3UXNB

Don't Make This Savings Mistake

💰FREE Tax-Free Retirement Toolkit: https://taxfreetoolkit.com/ Does investing $150 a month really make you a millionaire? On the Ramsey Show, George Kamel claims it does, assuming an 11% return and an 8% withdrawal rate. But when you break down the math, market history, and inflation, the picture looks very different. In this video, I walk through what those assumptions get wrong and why millionaire math collapses under more realistic conditions. I show what $150/month actually grows to at a 9% historical return, why a 4% withdrawal rate is considered safe, and how inflation cuts your future spending power in half or more. I also explain why becoming a millionaire isn’t the real goal, the real goal is building multiple streams of tax-free retirement income that can withstand volatility, inflation, and higher future tax rates. ✅ Find a Power of Zero Advisor: https://davidmcknight.com/ ➡️ Learn How To Become a Power of Zero Advisor: https://powerofzero.com/marketing-program ⏱️ Timestamps: 00:00 – George Kamel claims $150/month makes you a millionaire 01:00 – Why the 11% return assumption is unrealistic 01:30 – The real long-term market return (9–10%) 02:00 – The 4% rule vs. the 8% Ramsey withdrawal rule 03:00 – How volatility destroys portfolios 03:30 – Re-running the math at realistic returns 04:00 – Inflation’s impact on future buying power 05:00 – Why the millionaire label doesn’t equal a millionaire lifestyle 05:30 – Why Ramsey pushes this message 06:00 – What actually builds lasting wealth 06:30 – Why tax-free income beats “optimistic math” 07:00 – The Secret Order of Millionaires: new book preview ✔️ Listen to the Podcast - https://podcasts.apple.com/us/podcast/the-power-of-zero-show/id1441026169 🔹 Connect With Us 🔹 Twitter - @mcknightandco #taxfreeretirement
YouTube Video VVVHeFV3TDdOdlpVeUxmZ08xOGgzZTJnLktzWHc2VUtvT09J

Dave Ramsey Show: Retire by Saving Just $150 a Month! (Hope over Math?)