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In this episode of The Personal Finance Podcast, Andrew talks withChris Hutchins—host of All The Hacks and one of the smartest people in the travel rewards world, to answer the burning question: Is travel hacking still worth it as credit card annual fees skyrocket and loyalty programs devalue points left and right, breaking down Chase versus Amex strategies, the rise of cashback alternatives, how to build a smart travel rewards plan for that dream trip you've been planning, revealing advanced tactics and underrated transfer partners that most people don't even realize exist, plus sharing some of the funniest and most ridiculous stories from the world of points and miles, helping you separate signal from noise and squeeze insane value out of rewards programs even as the game continues to evolve.

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In this episode of The Personal Finance Podcast, Andrew continues with Part 2 of 21 Things to Do Before You Retire revealing 11 more critical milestones most people miss including building a healthcare plan to protect against rising medical costs, creating a 2-3 year cash buffer to survive market crashes, entering retirement debt-free for maximum flexibility, maxing out your HSA for triple tax-advantaged savings, stress-testing your retirement number against inflation and longevity, developing a housing strategy that fits your lifestyle and budget, building guaranteed income beyond Social Security, creating an estate plan to protect your family, planning for Required Minimum Distributions to minimize taxes, and designing a phased retirement to work on your terms, giving you the complete playbook to retire with security and control.

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In this episode of The Personal Finance Podcast, Andrew reveals the 10 critical retirement milestones most people miss, from defining your dream retirement and hitting 25 times your annual expenses for financial independence, to creating a withdrawal strategy that makes your money last, building multiple income streams, maximizing Social Security benefits, supercharging savings with catch-up contributions after 50, strategically converting to Roth accounts to slash your lifetime tax bill, and protecting your wealth from scams, giving you the complete playbook to retire confidently with more money, less stress, and total control over your future.

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In this episode of The Personal Finance Podcast, Andrew breaks down the average retirement savings by age in 2025 using Fidelity's data from millions of 401(k) accounts—revealing how much people actually have saved in their 20s, 30s, 40s, and 50s compared to what they should have, showing that most Americans are falling short of retirement readiness, walking through the unique financial challenges each decade faces from student loans and low income to lifestyle creep and peak expenses, plus giving you actionable strategies to overcome these obstacles so you can catch up or stay on track and build enough wealth to retire comfortably.

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In this episode of The Personal Finance Podcast, Andrew teams up with Brian Feroldi—making his fifth appearance on the show—to reveal how to use AI as your personal junior analyst to research and analyze stocks faster without replacing your judgment, showing you how to tackle massive 10-K filings by giving AI the right structure to find signal instead of noise, breaking down companies into business models, moats, financials, and risks, plus walking through live demos of the exact prompts Brian uses to analyze businesses step-by-step, making fundamental analysis dramatically faster and more approachable for any investor.

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In this episode of The Personal Finance Podcast, Andrew brings back Dustin Heiner for Part 2—a live coaching session where Dustin creates a personalized roadmap to help Andrew generate $10,000 per month in real estate cash flow over the next decade, starting with $250,000 to invest and reverse engineering the exact goal by comparing three rental strategies: short-term rentals with high nightly income but active management needs, midterm rentals for traveling nurses and corporate stays offering more stability with fewer turnovers, and long-term rentals with 12-month leases providing the most predictable hands-off income, breaking down the simple math showing you need roughly 34 doors at $300 per door or 20 doors at $500 per door, revealing how to blend different rental types to raise average cash flow per unit while reducing vacancy risk and keeping management sane, plus sharing golden nuggets on hiring property managers, so you can work backwards from your own freedom number and build a realistic 10-year roadmap to financial independence through rental income.

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In this episode of The Personal Finance Podcast, Andrew reveals 25 terrifying financial statistics that expose why most Americans are struggling with money, from 78% living paycheck to paycheck and total U.S. debt hitting $18.39 trillion, to credit card balances exceeding retirement savings for millions, auto loans trapping people underwater, half of retirees fearing they'll outlive their money, and AI-powered scams stealing billions, breaking down exactly what each statistic means for your wallet and giving you clear, actionable steps to protect yourself, pay down debt, build emergency savings, and avoid becoming another scary statistic.

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In this episode of the Personal Finance Podcast,  we are going to talk to Dustin Heiner about how to achieve financial independence and replace your job with real estate investing—exploring what your life would look like if you never had to work another day for money, breaking down the simple math to work backwards from your freedom number, showing you how to create consistent cash flow through rental properties starting from zero, explaining why Dustin invests in real estate whether the market is up, down, or sideways, and giving you the first steps and strategies to build passive income even if you think you can't find deals right now, plus Andrew announces an upcoming Part 2 where Dustin will coach him live as he ramps up his own real estate investing journey.

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In this episode of The Personal Finance Podcast, Andrew breaks down the five powerful strategies that let you retire at 50 without losing money to penalties or surprise taxes—from building a taxable brokerage account that serves as your early retirement bridge, to unlocking a Roth IRA conversion ladder that creates tax-free income, using the Rule of 55 to access your 401(k) years earlier than you thought possible, turning your IRA into a steady paycheck with the 72(t) rule, and leveraging Roth contributions plus HSA strategies as your secret backup plans, showing you exactly how to layer these accounts together so you can retire on your terms, penalty-free, tax-efficient, and without waiting until 59½.

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In this episode of The Personal Finance Podcast, Andrew breaks down the seven types of income that separate people living paycheck-to-paycheck from those building real wealth—from earned income where you trade time for money, to royalty income that pays you forever without lifting a finger, showing you exactly how to climb the ladder from working for money to having money work for you.

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