A hero with a zero
A hero with a zero is a guy who's rich in heroics but broke in real life
"I've fought off zombies, but I still can't afford a new pair of shoes. Hero with a zero.", @ZombieSlayer
"He's got a hero's resume but a broke bank account. Zero.", @HeroResume
"He's rich in heroics but poor in dollars. That's a hero with a zero.", @DollarPoorHero