The Personal Finance Podcast

He Achieved Financial Independence in 2 Years! (Here's How!) With Justin David Carl


Listen Later

Join the community built to help you master your money, stay accountable, and reach financial freedom.


👉 Join Master Money Academy today!


In this episode of The Personal Finance Podcast, Andrew sits down with Justin David Carl to reveal how he went from $80,000 in debt to a $3.4 million net worth in just over two years. Justin shares how he optimized the big three expenses, grew his income from $150K to $888K per year, saved 80-90% of his income, got his wife on board with FI, and applies the same obsessive discipline to fitness, maintaining 8-10% body fat for over a decade and shifting from maximizing net worth to maximizing his "net life."


Listen to The Business Show here.


Partner Deals

  • Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
  • Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP
  • Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/ 
  • Policy Genius:  Go to policygenius.com to get your free life insurance quote.
  • Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
  • Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less
  • DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

  • Connect with Justin David Carl:

    • Website
    • Podcast
    • Instagram
    • Facebook
    • Threads
    • X
    • FREE guide Fit Rich Life Coaching Savings Rate Money Tracker
    • Fit Rich Life Coaching 4 Day Workout

    • Connect With Andrew on Social Media:

      • Instagram
      • TikTok
      • Twitter
      • Master Money Website
      • Master Money Youtube Channel
      • Learn more about your ad choices. Visit megaphone.fm/adchoices

        ...more
        View all episodesView all episodes
        Download on the App Store

        The Personal Finance PodcastBy Andrew Giancola

        • 4.7
        • 4.7
        • 4.7
        • 4.7
        • 4.7

        4.7

        1,384 ratings


        More shows like The Personal Finance Podcast

        View all
        Afford Anything by Paula Pant | Cumulus Podcast Network

        Afford Anything

        3,564 Listeners

        Money Girl by QuickAndDirtyTips.com

        Money Girl

        1,857 Listeners

        Money Guy Show by Brian Preston and Bo Hanson

        Money Guy Show

        3,224 Listeners

        The Stacking Benjamins Show by StackingBenjamins.com | Cumulus Podcast Network

        The Stacking Benjamins Show

        1,987 Listeners

        Your Money, Your Wealth by Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors

        Your Money, Your Wealth

        806 Listeners

        ChooseFI by ChooseFI

        ChooseFI

        5,162 Listeners

        The Investing for Beginners Podcast - Your Path to Financial Freedom by By Andrew Sather and Dave Ahern | Stock Market Guide to Buying Stocks like

        The Investing for Beginners Podcast - Your Path to Financial Freedom

        1,421 Listeners

        NerdWallet's Smart Money Podcast by NerdWallet Personal Finance

        NerdWallet's Smart Money Podcast

        896 Listeners

        Stay Wealthy Retirement Podcast by Taylor Schulte, CFP®

        Stay Wealthy Retirement Podcast

        674 Listeners

        BiggerPockets Money Podcast by BiggerPockets

        BiggerPockets Money Podcast

        3,081 Listeners

        DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing by Logan Gilland, CFP®, and Allie Howard, CPA take a passionate look at all things money from budgeting, savings, investing, stocks, bonds, debt, and taxes. For those that enjoy Dave Ramsey, Jill on Money, Smart Money, or Bigger Pockets, it is worth a listen

        DIY Money | Personal Finance, Budgeting, Debt, Savings, Investing

        883 Listeners

        Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance) by Ari Taublieb, CFP®, MBA

        Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

        578 Listeners

        All the Hacks: Money, Points & Life by Chris Hutchins

        All the Hacks: Money, Points & Life

        1,617 Listeners

        Mile High FI Podcast by Doug Cunnington & Carl Jensen

        Mile High FI Podcast

        200 Listeners

        Rich Habits Podcast by Austin Hankwitz and Robert Croak

        Rich Habits Podcast

        481 Listeners