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Zero Balance: The Financial Fixer
What if bankruptcy wasn't an end, but a test?
For Chloe Evans, a car salesperson buried under impulsive spending, financial ruin is just one paycheck away. For David Warren, a laid-off programmer, the weight of his mortgage and family is crushing him. For Jenna Mills, a single mother pushed to the edge, a three-thousand-dollar mistake is a death sentence. They are ordinary people trapped in a downward spiral, their lives about to hit zero.
But what they don't know is that their crisis has triggered an alert.
An enigmatic entity known only as Lumi Vance—part financial architect, part sentient algorithm—appears when all hope is lost. She operates with cold, flawless logic, offering a lifeline in exchange for absolute adherence to her strategy. She can turn debt into wealth, despair into opportunity, and failure into a masterclass in financial domination.
But her help is not a gift; it's a contract. Each client becomes a player in her high-stakes game of economic survival. As Lumi guides them through the treacherous worlds of debt, investment, and market bubbles, they must confront their deepest flaws.
Because Lumi Vance can fix a balance sheet, but can she fix a broken human spirit? Or is she merely rewriting their code before they crash for good?
Perfect for fans of fast-paced urban fantasy and high-concept thrillers, Zero Balance is a gripping story of second chances, where the only thing more dangerous than debt is the price of salvation.
For Chloe Evans, a car salesperson buried under impulsive spending, financial ruin is just one paycheck away. For David Warren, a laid-off programmer, the weight of his mortgage and family is crushing him. For Jenna Mills, a single mother pushed to the edge, a three-thousand-dollar mistake is a death sentence. They are ordinary people trapped in a downward spiral, their lives about to hit zero.
But what they don't know is that their crisis has triggered an alert.
An enigmatic entity known only as Lumi Vance—part financial architect, part sentient algorithm—appears when all hope is lost. She operates with cold, flawless logic, offering a lifeline in exchange for absolute adherence to her strategy. She can turn debt into wealth, despair into opportunity, and failure into a masterclass in financial domination.
But her help is not a gift; it's a contract. Each client becomes a player in her high-stakes game of economic survival. As Lumi guides them through the treacherous worlds of debt, investment, and market bubbles, they must confront their deepest flaws.
Because Lumi Vance can fix a balance sheet, but can she fix a broken human spirit? Or is she merely rewriting their code before they crash for good?
Perfect for fans of fast-paced urban fantasy and high-concept thrillers, Zero Balance is a gripping story of second chances, where the only thing more dangerous than debt is the price of salvation.
511 pages, Kindle Edition
Published September 15, 2025
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