The Personal Finance Podcast

By Andrew GiancolaBusiness Entrepreneurship Investing

Ranking
38th
on Entrepreneurship
Favorites
358
Followers
Typical duration
46 min
per episode
If it hooks
44%
finish an episode

Based on Podcast App listening data

The Personal Finance Podcast episodes

October 21Do You Think You'll ACTUALLY Be Able to Retire?
Most people decide whether retirement is possible for them without ever doing the math. Andrew runs the numbers on all three goals Americans say they want most, and the answers are better than the headlines suggest.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginners Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode
The confidence gap between what Americans want financially and what they believe they will get

How to calculate your retirement number, and why to redo it every year

What $500 a month becomes at 25 versus 35, and the million-dollar cost of waiting

The checklist to clear before buying a house, including the one rule most people skip

How to prioritize three goals competing for the same dollars

The order of operations when a bonus or windfall lands

The withdrawal sequence for retiring at 50 while staying under the ACA subsidy cliff

How to find a flat-fee advisor to review your plan without handing over your assets

A long-con dating app scam that ends in a fake investing platform

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Episode/s Mentioned
The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw

Buying a House VS. Investing In the S&P 500 (Which Is Better?) https://youtu.be/6iwf_4iQz0c

Tool/s Mentioned
Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/

Master Your Money Goals https://www.skool.com/mastermoneyacademy/classroom/f1e5f000?md=5db7fc1e56a1474fbbded14211cff084

The Stairway to Wealth https://mastermoney.co/the-stairway-to-wealth/

Watch Next
5 Ways to Go BROKE (By AGE!) https://youtu.be/1xm23NnneJM

How to Evaluate a Stock Like Warren Buffett with Brian Feroldi https://youtu.be/posnNC99UFQ

12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg

19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs

How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
Rank the three goals for yourself: home, debt freedom, retirement. Do you believe you will retire comfortably?

Learn more about your ad choices. Visit megaphone.fm/adchoices
49 min
October 195 Ways to Go BROKE (By AGE!)
Every decade has its own way of quietly breaking your finances, and most people never see theirs coming until it already happened.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginners Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode
Five ways to go broke in your teens, 20s, 30s, 40s, 50s, and 60s

What waiting ten years to start investing actually costs you

The 20/4/12/10 rule for buying a car without going backwards

Why a house is a lifestyle decision more than a financial one, and the total cost nobody runs

The business risk in your 40s that can force you to start over

Catch-up contribution amounts available at 50 and again at 60

Why paying for your kids’ college before your own retirement works against both of you

The one thing to protect in each decade, from your time to your freedom

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Episode/s Mentioned
The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw

The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs

Tool/s Mentioned
Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/

The Wealth Builders Matrix https://mastermoney.co/wealth-builders-matrix/

The Portfolio Pyramid https://event.webinarjam.com/q05p7/register/8mz7rho?webinar_id=23

The 1-3-6 Method https://mastermoney.co/the-ultimate-guide-to-managing-your-emergency-fund/

Watch Next
How to Evaluate a Stock Like Warren Buffett with Brian Feroldi https://youtu.be/posnNC99UFQ

12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg

19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs

How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA

The Millionaire Money Rules (Get to $1M Faster!) https://youtu.be/CNeIBcfXtUA

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
Which decade are you in, and which of those five are you guilty of right now?

Learn more about your ad choices. Visit megaphone.fm/adchoices
51 min
October 14How to Evaluate a Stock Like Warren Buffett! With Brian Feroldi
You cannot judge a three-year-old by their SAT score, and you cannot judge a young company by its P/E ratio. Brian Feroldi explains the five phases that tell you which numbers actually matter.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginners Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode
Why Buffett skips the spreadsheet math entirely, and the bridge analogy behind it

How the "too hard" pile works, and what belongs in yours

The five phases every business moves through, from startup to decline

Which metrics matter in each phase, and which ones are meaningless

Why Amazon was genuinely cheap at 100 times earnings

The two conditions that have to be true before the P/E ratio tells you anything

How to compare a company's multiple against its own history in about a minute

Why some businesses are cheap at 30x and others are expensive at 10x

A free tool that sorts any ticker into its phase for you

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Stock Simplifier Phase Tool stocksimplifier.com/phase

Episode/s Mentioned
Warren Buffett: How To Calculate Intrinsic Value https://www.youtube.com/watch?v=knetdlviyDE

Stock Valuation Lecture: How We Value A Business https://www.youtube.com/watch?v=l_1TNv246A0

A Masterclass on Investing in Individual Stocks with Brian Feroldi https://youtu.be/gfh5i4H5MG8

Why YOU Have an Advantage as a Small Investor with Brian Feroldi https://youtu.be/iJFbVFMc05E

The Most Underrated Way to Build Wealth with Brian Feroldi https://youtu.be/c8vlvc3FEmw

How to Use AI to Research Stocks (With Brian Feroldi) https://youtu.be/WeaXVgQcpu8

Watch Next
12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg

19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs

How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA

The Millionaire Money Rules (Get to $1M Faster!) https://youtu.be/CNeIBcfXtUA

The EXACT System I Use to Manage Every Paycheck https://youtu.be/o-URBMRnItU

Connect with Brian Feroldi
Website → https://www.brianferoldi.com

Newsletter → https://www.longtermmindset.co/newsletter

Stock Simplifier → https://stocksimplifier.com

YouTube → https://www.youtube.com/@BrianFeroldiYT

X → https://x.com/BrianFeroldi

LinkedIn → https://www.linkedin.com/in/brianferoldi

Facebook → https://www.facebook.com/brian.feroldi/

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
What metric do you look at first when you open up a stock, and is it the right one?

Learn more about your ad choices. Visit megaphone.fm/adchoices
57 min
October 1212 Reasons You Need to Stop PLAYING SMALL with Money
Are you spending hours trying to save a few dollars while overlooking the financial decisions that could transform your future? Building wealth isn't just about cutting expenses. It's about increasing your income, making smarter decisions about housing and cars, reducing investment fees, investing in yourself, and consistently putting money toward your financial future.

In this episode of Master Money, Andrew Giancola explains why focusing on small savings can distract from the bigger opportunities that actually move the needle. Learn how to identify your highest-impact financial decisions, increase your earning potential, evaluate purchases based on return on investment, and build wealth through consistent, long-term investing.

The goal isn't to spend recklessly or chase overnight success. It's to stop playing small with your financial future and start making decisions that give you more freedom, flexibility, and control over your time.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginners Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit
👉 Master Money Wealth Building Strategy Call: https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Watch Next
19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs

How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA

The Millionaire Money Rules (Get to $1M Faster!) https://youtu.be/CNeIBcfXtUA

The EXACT System I Use to Manage Every Paycheck https://youtu.be/o-URBMRnItU

The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
What is one big financial decision you could make this year that would have a greater impact on your wealth than cutting small expenses?

Learn more about your ad choices. Visit megaphone.fm/adchoices
55 min
October 0719 Strategies to Pay Off Debt (FASTER!)
What if you could pay off your debt faster without completely overhauling your life? From micro payments and bi-weekly payments to refinancing, found money strategies, and behavioral hacks, this episode breaks down 19 practical strategies to help reduce debt, save on interest, and accelerate the path toward financial freedom.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginners Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit
👉 Master Money Wealth Building Strategy Call: https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode
How micro payments can help reduce debt faster and lower interest costs

Why bi-weekly payments can result in an extra full payment each year

How paying before a statement closes can improve utilization and create refinancing opportunities

Why rounding up debt payments can make extra payments easier to maintain

How to negotiate a lower APR with your credit card company

When a 0% balance transfer can help and when it can make the situation worse

How refinancing and debt consolidation can reduce interest costs

Why principal-only payments can help extra payments go directly toward your loan balance

How the debt snowball and debt avalanche strategies compare

Why rolling payments forward can accelerate your debt payoff

How to use tax refunds, bonuses, raises, and other windfalls to attack debt

How canceling unused subscriptions can create money for debt payments

Why selling unused items around the house can help generate extra cash

How credit card points and cash back can potentially be redirected toward debt

Why debt payments should increase as income increases

How automating minimum payments can keep your debt plan on track

Why freezing new credit card charges can prevent the debt cycle from getting worse

How visual debt trackers can improve motivation and accountability

How no-spend weeks or months can help redirect more money toward debt

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Watch Next
How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA

The Millionaire Money Rules (Get to $1M Faster!) https://youtu.be/CNeIBcfXtUA

The EXACT System I Use to Manage Every Paycheck https://youtu.be/o-URBMRnItU

The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
Which of these 19 debt payoff strategies are you going to try first?

Learn more about your ad choices. Visit megaphone.fm/adchoices
43 min
October 05How to Build a Portfolio If You Are Worried About An AI Bubble
What if AI really is in a bubble? Should you sell your investments, avoid tech completely, or change your portfolio? The answer isn't to predict the next crash. It's to build a portfolio that can handle uncertainty while still allowing you to participate in long-term growth.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginners Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit
👉 Master Money Wealth Building Strategy Call: https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode
Why you shouldn't try to predict whether an AI bubble or market crash is coming

The difference between betting on AI technology and betting on the price of AI stocks

How much AI exposure you may already have through broad-based index funds

How index funds can help reduce concentration risk when individual companies fall

How equal-weight, value, small-cap value, and international funds can diversify your portfolio

Why adding bonds can make sense depending on your age, goals, and stage of wealth building

How rebalancing can help keep your portfolio aligned with your original investment plan

Why selling everything and waiting for a market crash can hurt long-term returns

How to create an investment plan that removes emotion from your investing decisions

How to determine your risk tolerance and build an asset allocation around it

How to organize investments across multiple retirement and brokerage accounts

What a Backdoor Roth IRA is and why it can be useful for high earners

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Watch Next
The Millionaire Money Rules (Get to $1M Faster!) https://youtu.be/CNeIBcfXtUA

The EXACT System I Use to Manage Every Paycheck https://youtu.be/o-URBMRnItU

The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
Are you worried about an AI bubble, and if so, what changes, if any, are you considering making to your portfolio?

Learn more about your ad choices. Visit megaphone.fm/adchoices
46 min
September 30The Millionaire Money Rules (Get to $1M Faster!)
Most people will never become millionaires because nobody handed them the rules. These ten rules cover spending, debt, investing, income, and protection, and they are the whole game.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit
👉 Master Money Wealth Building Strategy Call https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode
The ten money rules that move the needle toward your first million

How to spend aggressively on what you value and cut everything else

What a $10,000 credit card balance really costs you over three years

The micropayment strategy for chipping away at debt faster

Why index funds beat trying to find the next winner

The six million-dollar money decisions worth obsessing over

How to build money routines around your personality instead of fighting it

Why net worth, not income, is the only scorecard that counts

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com

Hostinger → Build your vision step by step at ⁠⁠Hostinger.com/PFP⁠⁠ and use code PFP for 10% off now

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

Polygenius → Free life insurance quote http://policygenius.com

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Book/s Mentioned
Get That Raise https://mastermoney.co/get-that-raise-ebook/

Episode/s Mentioned
How to Negotiate Your Salary (The Step-By-Step System!) https://youtu.be/rIDlLqDI3O0

5 Side-Hustles That Can Turn into a Full time Income! https://youtu.be/bEIzgYWLi1I

5 Side Hustles That Can Turn into a Full time Income! Part 2 https://youtu.be/10C4zt9w8NQ

5 Side Hustles That Can Turn into a Full Time Income! (Part 3) https://youtu.be/jEkKQZVYLSg

5 Side Hustles That Can Turn Into a Full Time Income (Part 4) https://youtu.be/DPQwY_U3lKY

Why Your First $1 Million Changes Everything https://youtu.be/SgG8DQGZVG0

The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU

Watch Next
The EXACT System I Use to Manage Every Paycheck https://youtu.be/o-URBMRnItU

The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
Which of the ten rules are you already following, and which one needs work?

Learn more about your ad choices. Visit megaphone.fm/adchoices
46 min
September 28The EXACT System I Use to Manage Every Paycheck
Bills first, savings with whatever is left. That is how almost everyone runs their money, and it is supposed to be backwards. Andrew flips the whole sequence and automates every step of it.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit
👉 Master Money Wealth Building Strategy Call https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode
The eight-step order every paycheck runs through, and why investing comes first

Why your checking account should only ever be a pass-through

How to cluster your bills so cash flow stops surprising you

The weekly credit card habit that kills revolving balances

Which savings buckets to build once the emergency fund is done

What the whole system looks like on a $6,000 paycheck

Whether an emergency fund belongs in cash or a brokerage account

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com

Hostinger → Build your vision step by step at ⁠⁠Hostinger.com/PFP⁠⁠ and use code PFP for 10% off now

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

Polygenius → Free life insurance quote http://policygenius.com

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Tool/s Mentioned
Compound Interest Calculator https://mastermoneyresources.com/investment-calculator-page

Episode/s Mentioned
Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

How to Build a Vacation Fund That Pays You For Life + (Money Q&A) https://youtu.be/SMDRQkqnA74

Watch Next
The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
What is your current order of operations when a paycheck hits? Post it in the comments.

Learn more about your ad choices. Visit megaphone.fm/adchoices
56 min
September 23The 7 Habits of Great Investors
The best investors in the world do not share a strategy, but they do share a set of habits. If you learn these habits of great investors instead of their stock picks, your portfolio would probably do better.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit
👉 Master Money Wealth Building Strategy Call https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode
The seven habits successful investors share, regardless of their strategy

How automatic increases helped people nearly quadruple their savings rate without feeling it

What a 1% fee costs over a career, including one example where it takes $4 million off the ending balance

Why the best days in the market tend to show up right next to the worst ones

The research showing just 4% of companies created all the net wealth in the stock market

Practical ways to keep your emotions from wrecking your returns

Plus listener questions on paying off 23% credit card debt, getting a spouse engaged with money, preparing an investment plan while still in debt, and whether to use a bonus on low-interest loans or a Roth IRA

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com

Hostinger → Builds your vision step by step. Create your website today at ⁠Hostinger.com/PFP⁠ and use code PFP for 10% off now

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

Polygenius → Free life insurance quote http://policygenius.com

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Tool/s Mentioned
Compound Interest Calculator https://mastermoneyresources.com/investment-calculator-page

Book/s Mentioned
The Psychology of Money by Morgan Housel

The Little Book of Common Sense Investing by John Bogle

The Simple Path to Wealth by JL Collins

A Random Walk Down Wall Street by Burton Malkiel

The Bogleheads' Guide to Investing

Warren Buffett's shareholder letters, free at https://www.berkshirehathaway.com/letters/letters.html

Episode/s Mentioned
The Business Show https://youtube.com/playlist?list=PLHvdISl-a2chNMWZfkJra-15dS_vlKEt3&si=m0TPEfzeyMjIzEPb

Watch Next
How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

The 12 Worst Money Habits (Ranked!) https://youtu.be/VEgX_BT5dA0

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
Which of the seven habits do you already have, and which one are you still working on?

Learn more about your ad choices. Visit megaphone.fm/adchoices
50 min
September 21How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters
There is a point where saving another dollar starts costing you something worth more than the dollar. Justin Peters figured out exactly where that line is.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about
👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform
👉 One-on-One Coaching Application Form https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit
👉 Master Money Wealth Building Strategy Call https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

What You'll Learn in This Episode
Justin's four spending principles, including the fun fund and the oops budget

The "moments that matter" list, and how to decide what money should not get a vote on

The line between discipline and deprivation, and how to tell which side you are on

Why the last 10% of optimization costs more in life satisfaction than it saves

Small experiments that reveal what you actually value, no soul searching required

When lifestyle creep is healthy, and the mental trick that makes spending feel safer

The monthly money routine that takes 20 to 30 minutes

How Justin and his wife run money together, and the mistake both he and Andrew made early on

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/
👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21
👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals
Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com

Hostinger → Builds your vision step by step. Create your website today at ⁠Hostinger.com/PFP⁠ and use code PFP for 10% off now

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

Polygenius → Free life insurance quote http://policygenius.com

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s
Car Insurance https://secure.money.com/pr/gc43ce394da5

Best HYSA https://secure.money.com/pr/r453ecf4d190

Stock Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/pr/oe09b73d1952

Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney

Episode/s Mentioned
Why you NEED a Financial Independence Bucket List With Justin Peters https://youtu.be/ASEQtEjoUMI

The 5 Types of Wealth With Sahil Bloom https://youtu.be/DTzYvlbRiIs

How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

How to Double Your Income in One Year with Andrew Giancola https://open.spotify.com/episode/5mt4PuxjYDSGi4D0HOpntH?si=mNpWJbGKQxeYOIIGFaOZiw

Watch Next
5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

The 12 Worst Money Habits (Ranked!) https://youtu.be/VEgX_BT5dA0

How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY

Connect with Justin
Email → [email protected]

X → https://x.com/justinleepeters

Instagram → https://www.instagram.com/justinleepeters

LinkedIn → https://www.linkedin.com/in/justinleepeters/

Pod.link (all players): https://pod.link/1496701179

Connect with Andrew
Instagram → https://bit.ly/Skool-Instagram

TikTok → https://bit.ly/Skool-TikTok

Facebook → https://bit.ly/Skool-Facebook

Podcast → https://bit.ly/Skool-Podcast

Youtube → bit.ly/Skool-Youtube

Newsletter → https://bit.ly/Skool-Newsletter

Website →⁠ https://mastermoney.co ⁠

X → ⁠https://x.com/mastermoneyco

LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340 ⁠

Question for you:
What would go on your "moments that matter" list? Name one in the comments.

Learn more about your ad choices. Visit megaphone.fm/adchoices
50 min

About The Personal Finance Podcast

From the publisher's feed

Andrew Giancola from Master Money reveals all of his personal finance, money, investing, business strategies, income sources, stock, and real estate investing tips so that you can build more wealth…