The Personal Finance Podcast

By Andrew Giancola

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 th... more

4.7

13871,387 ratings

Download on the App Store

Download on the App Store

Get it on Google Play

FAQs about The Personal Finance Podcast:

How many episodes does The Personal Finance Podcast have?

The podcast currently has 558 episodes available.

The Personal Finance Podcast episodes:

August 05, 2026Roth vs. Traditional, Dividend ETFs, and Catching Up in Your 40s (Money Q&A)
In this Q&A, Andrew answers eight real listener questions, plus an AI privacy leak that could already have your data sitting in Google search results.

👉 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

What You'll Learn in This Episode
How to pick between a Roth and traditional 401(k) when there is no employer match

Why the ETF versions of these funds let you skip the $3,000 minimum entirely

Whether dividend ETFs like SCHD actually belong in a Roth IRA

The right debt payoff order when you have cash in the bank and a car loan

How to pull income from a brokerage account and stay in the 0% capital gains bracket

What catch-up contributions look like at 50 and 60, and how to run your own catch-up math

The AI setting to turn off before your chats end up in Google search results

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Gelt - Get 10% off your first year by mentioning “Personal Finance Pod” on the intake form; the CTA is to book a free discovery call at joingelt.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

Tool/s Mentioned
The 1-3-6 Method Emergency Fund Mastery https://mastermoney.co/the-ultimate-guide-to-managing-your-emergency-fund/

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

Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e

Investment Calculator https://mastermoneyresources.com/investment-calculator-page

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

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

How to Pay No Taxes in Early Retirement, Debunking the Mortgage Fee Fiasco,and More With Katie Gatti https://youtu.be/2JThReUdrL4

The Simple Path to Wealth (With J.L. Collins) https://youtu.be/-02BNewBfbo

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

Why Your Healthcare Costs Keep Rising with Dr. Jordan Grumet https://youtu.be/daPVY9WCCAw

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

Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo

Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
Which question in this episode sounded the most like your situation? Drop it in the comments.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
1h 2min
August 03, 20265 Side Hustles That Can Turn Into a Full Time Income (Part 4)
Everyone is chasing the shiny online business while a guy with a pickup truck quietly clears six figures organizing other people's junk. Here are five unglamorous businesses you can start on nights and weekends, with the real numbers behind each one.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode
How to price a garage cleanout, and the quarterly maintenance offer that turns a one-time job into a subscription

The third income stream most cleanout crews leave on the table entirely

What it really costs to install a backyard sauna and cold plunge, and the spread you keep on every job

How to build a storage business on land you do not own, using a revenue split with the landowner

The math on one acre of storage spaces and why lake and coastal lots command 30 to 50% more

How to rent out a boat you already own so it pays for itself, and why selling the experience beats selling the boat

How to launch a virtual sleep consulting practice with no inventory, no location, and packages parents happily prepay for

The content and referral playbook Andrew would run for every single one of these businesses

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Gelt - Get 10% off your first year by mentioning “Personal Finance Pod” on the intake form; the CTA is to book a free discovery call at joingelt.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

Episode/s Mentioned
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

Watch Next
Why Your Healthcare Costs Keep Rising with Dr. Jordan Grumet https://youtu.be/daPVY9WCCAw

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

Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo

Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
Which one of these five would you actually start? Drop it in the comments, and if you have a side hustle you want Andrew to break down on a future episode, name it.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
48min
July 29, 2026Why Your Healthcare Costs Keep Rising with Dr. Jordan Grumet
Healthcare costs have been climbing around 7% a year. Andrew sits down with Doc G (Dr. Jordan Grumet), hospice physician and author of The Healthcare Heist, to break down exactly how a routine ER visit turns into a five-figure bill and where every one of those dollars actually goes.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode
Where your money actually goes on a routine ER visit, line by line

The billing trick hospitals use to make your visit look more complicated than it was

Why insurers quietly stopped fighting big hospital bills, and how that shows up in your premium

The reason your doctor orders tests they already know you do not need

How to audit a medical bill before you pay it, and the mistake that saved one listener $6,000

The HSA strategy that turns saved receipts into tax-free income years later

What to actually budget for health coverage if you retire before 65, plus three lower-cost alternatives most people never hear about

Why the long-term care bill you are afraid of is far less likely than you think, and how to fund it anyway

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

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠

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

Resource/s
Andrew’s Favorite Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/lp/iras/lp/best-iras-master-money?pcuid=oe09b73d1952&jump_from_embed=true&wafid=

Book/s Mentioned
The Healthcare Heist by Jordan Grumet https://a.co/d/091yO9cW

The Purpose Code by Jordan Grumet https://a.co/d/0aQIAFvZ

Taking Stock by Jordan Grumet https://a.co/d/03cjorhk

Episode/s Mentioned
How to Figure Out How Much is ENOUGH with Jordan Grumet https://youtu.be/d7nZVBHBtCI

How to Find Your Purpose And Build A Life You Love With Jordan Grumet https://youtu.be/H0KUUmc3B30

How to Negotiate Your Bills (and SAVE 6-Figures!) https://youtu.be/bgIcmuK7FK8

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

Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo

Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE

How Much More Expensive Has Life ACTUALLY Become Since 2020? https://youtu.be/_n8qUA3NsoI

Connect with Jordan
Website →⁠ https://jordangrumet.com/

X →⁠ https://x.com/earnaninvest

Facebook →⁠ https://www.facebook.com/earnandinvest

Books →⁠ https://jordangrumet.com/books

Podcast →⁠ https://www.earnandinvest.com/

Spotify →⁠ https://open.spotify.com/show/2CdpAR3sgltBBhDcpWRq0g

Newsletter →⁠ https://jordangrumet.substack.com

LinkedIn →⁠ https://www.linkedin.com/in/jordan-grumet-38a506179/

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
Have you ever caught a mistake on a medical bill or negotiated one down? Drop the number you saved in the comments.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
1h
July 27, 2026The System to Pay Cash For Cars (and NEVER Have a Payment Again!)
The average American spends over $900 a month on car payments for a depreciating asset. Here is how to stop and what to do with that money instead.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode
Why paying cash for cars is not about being cheap but about buying your financial freedom back

The three specific methods Andrew uses to build up enough cash to never finance a car again

The 24/12/10 rule that protects you if you do have to finance and exactly what each number means

Why most people who say they will invest the difference never actually do and what happens to that money instead

How to build a mini portfolio that lets your assets pay for your vehicles instead of your paycheck

When it actually makes sense to keep fixing your current car instead of buying a new one

Q&A: Should a 27-year-old with $100K invested pay down student loans or keep investing?

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

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠

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

Resource/s Mentioned
Andrew’s Favorite Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c

Best IRAs https://secure.money.com/lp/iras/lp/best-iras-master-money?pcuid=oe09b73d1952&jump_from_embed=true&wafid=

Index Fund and ETF Cheat Sheet https://mastermoneyresources.com/index-fund-cheatsheet

Tool/s Mentioned
Car Buying Calculator https://mastermoney.co/how-much-car-can-you-afford/

Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e

Book/s Mentioned
Rich Dad Poor Dad by Robert Kiyosaki

The CashFlow Quadrant by Robert Kiyosaki

Watch Next
Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo

Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE

How Much More Expensive Has Life ACTUALLY Become Since 2020? https://youtu.be/_n8qUA3NsoI

Chasing a Higher Savings Rate, Semi-Retiring in Our 40s & Rebuilding After Bankruptcy (Money Q&A) https://youtu.be/OobdeA8qYbA

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
Are you currently paying off a car loan? Drop it in the comments and tell us what method you are using.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
1h 4min
July 22, 2026How Do I Reset My Money Mindset and Get Out of Debt? Pause Investing to Save for a House? How Does a Credit Score Actually Work? (Money Q&A)
One episode packed with everything from debt payoff psychology to investing for a special needs child.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: ⁠https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21⁠

What You'll Learn in This Episode
Why the debt snowball beats the debt avalanche for most people and how to use psychology to actually stick with your payoff plan

How a 49-year-old with a paid-off house and $525K invested should think about paying off a car loan vs staying invested

The Solo 401k strategy every self-employed freelancer needs to know about and why it blows every other account out of the water

How a railroad worker with a special needs child should structure their accounts to protect benefits and leave the right legacy

How to shift from a scarcity mindset to an abundance mindset when your finances are actually doing well

The package delivery text scam costing Americans $470 million a year and exactly what to look for

How credit scores actually work and the two factors that make up 65% of your entire score

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

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

Chime → Get more rewarding fee-free banking at ⁠https://www.chime.com/PFP⁠

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

Scribe → Sign up for a 30-day risk-free trial ⁠⁠⁠http://www.scribe.how/pfp⁠ ⁠

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

Resource/s Mentioned
Wallet Burst Coast FI Calculator: ⁠walletburst.com⁠

Episode/s Mentioned
Why Coast FIRE May Be The Perfect Strategy for You with Andy Hill ⁠https://mastermoney.co/the-personal-finance/why-coast-fire-may-be-the-perfect-strategy-for-you-with-andy-hill/⁠

How to Run the Numbers When You Buy a House! (Total Cost of Ownership!) ⁠https://youtu.be/80_EAuZYz7Y⁠

Watch Next
Are Trump Accounts Worth It? (And What's Actually Better) ⁠https://youtu.be/jJKCfTvTm0Q⁠

The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) ⁠https://youtu.be/37zVUL0e2TE⁠

How Much More Expensive Has Life ACTUALLY Become Since 2020? ⁠https://youtu.be/_n8qUA3NsoI⁠

Chasing a Higher Savings Rate, Semi-Retiring in Our 40s & Rebuilding After Bankruptcy (Money Q&A) ⁠https://youtu.be/OobdeA8qYbA⁠

The Best and Worst Frugal Habits (Ranked!) ⁠https://youtu.be/_FKJfAjTi-I⁠

Connect with Andrew
Website →⁠ ⁠https://mastermoney.co⁠ ⁠

Instagram → ⁠⁠https://instagram.com/mastermoneyco⁠ ⁠

X → ⁠⁠https://x.com/mastermoneyco⁠ ⁠

TikTok → ⁠⁠https://tiktok.com/@mastermoneyco⁠ ⁠

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

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

Question for you:
What is the one area of your finances you feel like you finally have figured out and the one area you are still working on? Drop both in the comments below.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
1h 8min
July 20, 2026Are Trump Accounts Worth It? (And What's Actually Better)
The government just created a brand new account that hands your kid $1,000 in free money from birth. Here is everything you need to know before you miss the window.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode
What Trump accounts actually are and why they work like a traditional IRA in a costume

Who qualifies for the $1,000 government seed and the $250 Dell gift and how to claim both

The $5,000 annual contribution limit and the business owner loophole most people do not know about

The tax catch that catches most parents off guard and how to plan around it

The Roth conversion window that could get your kids millions in completely tax-free retirement money

When a custodial Roth or 529 is actually the better move than a Trump account

The exact steps to open one today and what Andrew is personally doing for his own three kids

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

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠

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

Resource/s Mentioned
Master Money Blueprint https://mastermoneyresources.com/master-your-money-blueprint

Watch Next
The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE

How Much More Expensive Has Life ACTUALLY Become Since 2020? https://youtu.be/_n8qUA3NsoI

Chasing a Higher Savings Rate, Semi-Retiring in Our 40s & Rebuilding After Bankruptcy (Money Q&A) https://youtu.be/OobdeA8qYbA

The Best and Worst Frugal Habits (Ranked!) https://youtu.be/_FKJfAjTi-I

She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) https://youtu.be/wBACCFI2w5s

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
What is your plan for building wealth for your kids right now? Drop it in the comments and tell us if Trump accounts could be part of that plan.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
49min
July 15, 2026The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher)
Vanguard just released research showing the most important factor in retirement is not how much you saved. It is how much you withdraw every single year and most people have no idea what that number should be.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode
Why your retirement balance is not what determines success and what actually does

How reducing your withdrawal rate by just half a percent can add up to five years to how long your money lasts

Why longevity is actually a bigger risk to your retirement than a stock market crash

The default account withdrawal order that can cut your lifetime tax bill by 14%

When Roth conversions actually make sense and the specific window most retirees completely miss

How dynamic spending and guardrails let you spend more in good years without blowing up your plan in bad ones

The one thing Vanguard says people five years from retirement should change immediately

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

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠

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

Resource/s Mentioned
Vanguard’s Research Library - https://corporate.vanguard.com/content/corporatesite/us/en/corp/what-we-think/investing-insights/research-library.html

Vanguard’s Retirement Income Research Paper - https://corporate.vanguard.com/content/dam/corp/research/pdf/vanguard_principles_retirement_income.pdf

Episode/s Mentioned
This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA

Watch Next
How Much More Expensive Has Life ACTUALLY Become Since 2020? https://youtu.be/_n8qUA3NsoI

Chasing a Higher Savings Rate, Semi-Retiring in Our 40s & Rebuilding After Bankruptcy (Money Q&A) https://youtu.be/OobdeA8qYbA

The Best and Worst Frugal Habits (Ranked!) https://youtu.be/_FKJfAjTi-I

She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) https://youtu.be/wBACCFI2w5s

How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) https://youtu.be/Z10g-yd76nk

Connect with Garrett
LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/garrett-harbron-j-d-cfa-cfp%C2%AE-867647a

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
After hearing this episode, what is the one thing you are changing about how you think about retirement income? Drop it in the comments and tell us what you are doing differently starting this week.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
1h 3min
July 13, 2026How Much More Expensive Has Life ACTUALLY Become Since 2020?
That $100 you had in 2020 only buys $77 worth of goods today. Here is exactly how much more expensive every single category of your life has become since then.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode
Why the 29% inflation number feels like a lie and why it actually is for most households

How home prices rose 53% and why today's buyer finances $100,000 more than six years ago

The grocery items that got hit hardest and why your personal food inflation is higher than the average

Why the average new car payment is now $750 to $940 per month and how to win with cars instead

How childcare now costs more than in-state college tuition in 38 states

The insurance categories quietly draining your budget without you even noticing

What actually got cheaper since 2020 and how to use it to your advantage right now

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

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠

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

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

Auto Insurance https://secure.money.com/pr/h1ba429e808a

Episode/s Mentioned
Is the American Dream Dead? (With Freddie Smith) https://youtu.be/3Ivz8Ts9J2o

The Insurance Crisis Nobody Is Talking About (With Bob Litterman) https://youtu.be/gBuIOQKQgFM

Watch Next
Chasing a Higher Savings Rate, Semi-Retiring in Our 40s & Rebuilding After Bankruptcy (Money Q&A) https://youtu.be/OobdeA8qYbA

The Best and Worst Frugal Habits (Ranked!) https://youtu.be/_FKJfAjTi-I

She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) https://youtu.be/wBACCFI2w5s

How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) https://youtu.be/Z10g-yd76nk

How to Retire in 10 Years or Less! https://youtu.be/nStwD03vJ64

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
What is the one expense in your life right now that feels completely out of control compared to just a few years ago? Drop it in the comments and tell us what you are doing about it.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
55min
July 08, 2026Should I Chase a Higher Savings Rate? Can We Semi-Retire in Our 40s? How Do We Rebuild After Bankruptcy? (Money Q&A)
One episode that covers everything from bankruptcy recovery to retiring in your 40s.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode
Whether rate chasing your high-yield savings account is actually worth the time and the math behind it

The exact steps to rebuild your finances and your credit after filing for bankruptcy

How to find a CPA who earns more than they cost and the questions to ask before hiring one

When a financial advisor actually makes sense and when you are better off without one

Why a 32-year-old with $900K in net worth should be thinking about a taxable brokerage account instead of maxing retirement accounts

Three new scams targeting everyday people right now including QR code fraud and fake finance apps

Why SGOV might be a smarter place to park short-term cash than your high-yield savings 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 Masterclasshttps://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

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠

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

Tool/s Mentioned
Automate Your Entire Money System in One Weekend https://courses.mastermoney.co/automate-your-money-checklist

How To Find The Right CPA: Questions To Ask https://expert-hustler-605.kit.com/7476361316

Book/s Mentioned

Brandon Turner Books (BiggerPockets Publishing):
The Book on Investing in Real Estate with No (and Low) Money Down

The Book on Managing Rental Properties

The Book on Rental Property Investing

Robert Kiyosaki Books (Mindset):
Rich Dad Poor Dad

The CashFlow Quadrant

Single-Family Focus:
Building Wealth One House at a Time by John Schaub

Motivational/Foundational:
The Millionaire Real Estate Investor by Gary Keller

Apartments/Multifamily:
Ken McElroy's books on apartment investing (published by Kiyosaki's company)

Numbers/Analysis:
What Every Real Estate Investor Needs to Know About Cash Flow by Frank Gallinelli

Creative Financing:
Pace Morby's book on creative financing (published by BiggerPockets)

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

How to Automate Your Finances (Money on Autopilot!) https://youtu.be/Fenu_LtdmZU

How to Access Your Retirement Accounts EARLY (Roth IRA Conversion Ladder for the FIRE Movement) https://youtu.be/ut8rDIJ1kSI

The Financial Freedom “Stack” ANYONE Can Use to Retire Early (BiggerPockets) https://youtu.be/ElRrBDz7e1U?si=62baruuyFgdIJdeb

Watch Next
The Best and Worst Frugal Habits (Ranked!) https://youtu.be/_FKJfAjTi-I

She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) https://youtu.be/wBACCFI2w5s

How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) https://youtu.be/Z10g-yd76nk

How to Retire in 10 Years or Less! https://youtu.be/nStwD03vJ64

The Hidden Cost of Playing It Safe with Your Money with Ben Carlson https://youtu.be/LG1Jr2xeuDo

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
If you could ask Andrew one money question live on the show right now, what would it be? Drop it in the comments and join the Master Money newsletter to make it happen.

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
1h 5min
July 06, 2026The Best and Worst Frugal Habits (Ranked!)
Most people think being frugal means cutting every expense. The truth is, some frugal habits build wealth while others actually keep you poor.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode
The difference between being frugal and simply being cheap

Which everyday habits actually move the needle on your net worth

Why your time is often worth more than saving a few dollars

The highest ROI frugal habits that can save you thousands every year

How to spend more on the things you truly value while cutting back elsewhere

Which "money-saving" habits are secretly wasting your time and energy

Andrew's S-Tier, A-Tier, B-Tier, C-Tier, D-Tier, and F-Tier rankings for 27 popular frugal habits

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

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

Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP

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

Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠

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

Resource/s Mentioned
Favorite Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney#favorites

Car Insurance Comparison https://secure.money.com/pr/gc43ce394da5

Book/s Mentioned
Early Retirement Extreme

Think and Grow Rich by Napoleon Hill

Episode/s Mentioned
How to Negotiate Your Bills (and SAVE 6-Figures!) https://youtu.be/bgIcmuK7FK8

Why You Should Negotiate Every Bill With Nicole Lapin https://mastermoney.co/the-personal-finance/why-you-should-negotiate-every-bill-with-nicole-lapin/

How to Negotiate Your Rent Like A Pro (and win the negotiation!) https://mastermoney.co/the-personal-finance/how-to-negotiate-your-rent-like-a-pro-and-win-the-negotiation/

Watch Next
She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) https://youtu.be/wBACCFI2w5s

How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) https://youtu.be/Z10g-yd76nk

How to Retire in 10 Years or Less! https://youtu.be/nStwD03vJ64

The Hidden Cost of Playing It Safe with Your Money with Ben Carlson https://youtu.be/LG1Jr2xeuDo

The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY

Connect with Andrew
Website →⁠ https://mastermoney.co ⁠

Instagram → ⁠https://instagram.com/mastermoneyco ⁠

X → ⁠https://x.com/mastermoneyco ⁠

TikTok → ⁠https://tiktok.com/@mastermoneyco ⁠

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

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

Question for you:
Which frugal habit has made the biggest difference in your finances and which one do you think is a complete waste of time?

Learn more about your ad choices. Visit megaphone.fm/adchoices
...more
58min

FAQs about The Personal Finance Podcast:

How many episodes does The Personal Finance Podcast have?

The podcast currently has 558 episodes available.

More shows like The Personal Finance Podcast

Afford Anything | Get Smarter With Money by Paula Pant, Personal Finance Expert | Cumulus Podcast Network

Afford Anything | Get Smarter With Money

3,557 Listeners

Money Girl by QuickAndDirtyTips.com

Money Girl

1,855 Listeners

Money Guy Show by Brian Preston and Bo Hanson

Money Guy Show

3,248 Listeners

The Stacking Benjamins Show by Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP

The Stacking Benjamins Show

1,989 Listeners

Your Money, Your Wealth by Your Money, Your Wealth

Your Money, Your Wealth

810 Listeners

ChooseFI | Financial Independence Podcast by ChooseFI

ChooseFI | Financial Independence Podcast

5,161 Listeners

The Investing for Beginners Podcast - Your Path to Financial Freedom by By Andrew Sather, Stephen Morris, and Evan Raidt | Stock Market Guide to Buying Stocks

The Investing for Beginners Podcast - Your Path to Financial Freedom

1,422 Listeners

NerdWallet's Smart Money Podcast by NerdWallet Personal Finance

NerdWallet's Smart Money Podcast

897 Listeners

Stay Wealthy Retirement Podcast by Taylor Schulte, CFP®

Stay Wealthy Retirement Podcast

700 Listeners

BiggerPockets Money Podcast by BiggerPockets

BiggerPockets Money Podcast

3,056 Listeners

Ready For Retirement by James Conole, CFP®

Ready For Retirement

833 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)

584 Listeners

Mile High FI Podcast by Doug Cunnington, Mr. Money Mustache, & Carl Jensen

Mile High FI Podcast

204 Listeners

Catching Up to FI by Bill Yount & Jackie Cummings Koski

Catching Up to FI

359 Listeners

Rich Habits Podcast by Austin Hankwitz and Robert Croak

Rich Habits Podcast

504 Listeners