The most played episodes among Podcast App listeners.

1. 1
   Number 1: 4 Dead Simple Steps to Become Financially Free

   Andrew breaks the entire plan down to four calculations you can run in about five minutes using numbers you already know: your monthly income and your monthly expenses. Each one gives you a specific target for your freedom number, your investing rate, your emergency fund, and your spending ceiling. 👉 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 What You'll Learn in This Episode The four calculations that map your entire path to financial freedom Why the 4% rule turns your monthly income into a single target number How to hit a 20% investment rate even when it feels impossible right now What maxing a Roth 401(k) from 25 to 65 actually produces, and how much of it is tax-free The 1-3-6 method for building an emergency fund in phases instead of one daunting chunk Your SWAN number, and when six months of expenses is not enough The 55% guardrail on essential expenses, and the two problems it exposes Plus two member questions on how many individual stocks to own and whether to move money into a Trump 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 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 Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney Tool/s Mentioned The 1-3-6 Method For Building & Managing Your Emergency Fund https://www.thepersonalfinancepodcast.com/the-1-3-6-method-for-building-managing-your-emergency-fund/ Automate Your Money: Investment https://www.skool.com/live/NGm2lzJDkbR Episode/s Mentioned Hit This Number and You Can STOP SAVING! (Even When You are Young) https://youtu.be/R2ebV44XaAY How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q 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 How to Build a Vacation Fund That Pays You For Life + (Money Q&A) https://youtu.be/SMDRQkqnA74 Hit This Number and You Can STOP SAVING! (Even When You are Young) https://youtu.be/R2ebV44XaAY Why Franchises Might Be the Best Kept Wealth Building Secret with Alex Smereczniak https://youtu.be/3lXtpxTwrQI Why a Mini Retirement Can Change Your Life https://youtu.be/o5HIfbIwfjI Roth vs. Traditional, Dividend ETFs, and Catching Up in Your 40s (Money Q&A) https://youtu.be/jtITtSd6vjI 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 freedom number? Run the math and post it below. Learn more about your ad choices. Visit megaphone.fm/adchoices

   August 24, 2026·53min
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2. 2
   Number 2: How to Save $100,000 on a Low Salary

   Saving six figures on a low salary sounds impossible until someone shows you the timeline. Let Andrew walks you through every one of them in order. 👉 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 What You'll Learn in This Episode Why the first $100,000 is the hardest, and what actually does the heavy lifting to get you there The 1-3-6 method for building your financial foundation in stages instead of all at once What counts toward your savings rate and what does not How to climb from 5% to 20% invested without a giant income jump The three expense categories that eat most low-income budgets, and how to attack them Every lever for raising your income, from certifications to overtime to job hopping How long $250, $500, $1,000, and $1,500 a month each take to reach six figures The mistakes that quietly reset your progress right when it starts working 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 Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney Tool/s Mentioned How To Negotiate Your Salary https://mastermoney.co/get-that-raise-ebook/ The Ultimate Guide to the 1-3-6 Emergency Fund Method https://drive.google.com/file/d/1wbu4UWoWBKvFcAIYn2IND-twKACWVEE1/view 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 5 Side Hustles That Can Turn Into a Full Time Income (Part 4) https://youtu.be/DPQwY_U3lKY The $10K, $100K, $1M Milestones That Change Everything https://youtu.be/oM7FvHv75Hw How to Negotiate Your Salary (The Step-By-Step System!) https://youtu.be/rIDlLqDI3O0 The Stairway to Wealth 3.0! (The Step-by-Step Order For Your Money) https://youtu.be/_XSUQluC0To How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU Watch Next How to Spot Fee That's Robbing You, Insure Your Kids' Future & Retire Two Decades Early - Money Q&A https://youtu.be/2y6bjDkgbgM 4 Dead Simple Steps to Become Financially Free https://youtu.be/dM4DKC7-Y5s How to Build a Vacation Fund That Pays You For Life + (Money Q&A) https://youtu.be/SMDRQkqnA74 Hit This Number and You Can STOP SAVING! (Even When You are Young) https://youtu.be/R2ebV44XaAY Why Franchises Might Be the Best Kept Wealth Building Secret with Alex Smereczniak https://youtu.be/3lXtpxTwrQI 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 the raise or certification you have been putting off? Name it and give yourself a deadline. Learn more about your ad choices. Visit megaphone.fm/adchoices

   August 31, 2026·51min
   Play
3. 3
   Number 3: Hit This Number and You Can STOP SAVING! (Even When You are Young)

   Coast FIRE is the middle path: invest hard early, hit a specific number, then let compound interest carry the rest while your paycheck only has to cover your bills. Andrew walks through what it is, how to calculate it, and what it unlocks once you get there. 👉 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 What You'll Learn in This Episode The exact formula for your Coast FIRE number, and the five inputs you need to run it How to work backward from the lifestyle you want to the balance you need today Three case studies at three income levels, including the one where a pension does most of the work What actually changes once you hit the number, and what stays the same The honest downsides, starting with the assumptions this entire strategy rests on Five mistakes that quietly break the math, including the return rate people love to inflate How Coast FIRE stacks up against Lean, Barista, and Fat FIRE The one thing to do every year so your number does not drift out of date 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 NerdWallet Wealth Partners Coast Fire Calculator https://www.nerdwallet.com/investing/calculators/coast-fire-calculator WalletBurst Coast Fire Calculator https://walletburst.com/tools/coast-fire-calc/ Marriage Kids and Money Coast Fire Calculator https://marriagekidsandmoney.com/calc-widgets/coast-fire-calculator.html Episode/s Mentioned How To Design Your Dream Life with Andy Hill https://youtu.be/gXQGlNGvSPg 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/ Why Your Healthcare Costs Keep Rising with Dr. Jordan Grumet https://youtu.be/daPVY9WCCAw Why a Mini Retirement Can Change Your Life https://youtu.be/o5HIfbIwfjI Watch Next Why Franchises Might Be the Best Kept Wealth Building Secret with Alex Smereczniak https://youtu.be/3lXtpxTwrQI Why a Mini Retirement Can Change Your Life https://youtu.be/o5HIfbIwfjI Roth vs. Traditional, Dividend ETFs, and Catching Up in Your 40s (Money Q&A) https://youtu.be/jtITtSd6vjI 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 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: Run your number this week and report back. Are you already Coast FIRE? Drop it in the comments. Learn more about your ad choices. Visit megaphone.fm/adchoices

   August 17, 2026·46min
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4. 4
   Number 4: How to Spot a Fee That's Robbing You, Insure Your Kids' Future, and Retire Two Decades Early (Money Q&A)

   Seven listener questions, one theme: the small stuff you never check is usually the expensive stuff. Fees, insurance add-ons, account order, and the plan you need before retiring decades early. 👉 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 What You'll Learn in This Episode How to find the fees buried in your retirement accounts and what to swap them for Why a fund's one-year return tells you almost nothing worth knowing The situations that actually call for gap insurance, and the one place you should never buy it Andrew's rule for financing a car without ending up underwater How to leave money to a child with a disability without costing them their benefits The two numbers that decide your term life coverage: how much and for how long A full audit of a listener saving nearly 70% of his income, including how he reaches his money before 59½ How a union tradesman can stack a pension, a match, and a Roth to change his family's trajectory A phishing text pretending to be an Amazon recall, and how to spot it 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 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 The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs How to Access Your Retirement Accounts EARLY (Roth IRA Conversion Ladder for the FIRE Movement) https://youtu.be/ut8rDIJ1kSI The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw Watch Next 4 Dead Simple Steps to Become Financially Free https://youtu.be/dM4DKC7-Y5s How to Build a Vacation Fund That Pays You For Life + (Money Q&A) https://youtu.be/SMDRQkqnA74 Hit This Number and You Can STOP SAVING! (Even When You are Young) https://youtu.be/R2ebV44XaAY Why Franchises Might Be the Best Kept Wealth Building Secret with Alex Smereczniak https://youtu.be/3lXtpxTwrQI Why a Mini Retirement Can Change Your Life https://youtu.be/o5HIfbIwfjI 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 topic do you want covered in the next Q&A? Drop in the comments. Learn more about your ad choices. Visit megaphone.fm/adchoices

   August 26, 2026·58min
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5. 5
   Number 5: How to Build a Vacation Fund That Pays You For Life + (Money Q&A)

   Most people save for vacations one trip at a time and start over from zero every year. There is a version where you build the fund once and it keeps paying for your trips forever, and $100 a month is enough to start. 👉 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 What You'll Learn in This Episode How to build a vacation portfolio that funds your trips for life The exact monthly number to start with, even if it's $100 Why a taxable brokerage beats a savings account for 10-plus year goals How to use travel hacking to cover trips while your portfolio compounds How to earmark funds inside one brokerage account without opening five new ones Why pulling from your 401(k) to kill your mortgage is usually the wrong move How to buy a car with cash and spot a lemon before you hand over the money The gift card scam draining balances before the card is ever opened The best account to set your kids up for their first home 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 Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney Tool/s Mentioned Index Fund & ETF Cheatsheet https://mastermoneyresources.com/index-fund-cheatsheet Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e Episode/s Mentioned The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs He Built A BILLION DOLLAR Real Estate Portfolio (Here's How!) with Brandon Turner https://youtu.be/_960B_GIGSo How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI Watch Next Hit This Number and You Can STOP SAVING! (Even When You are Young) https://youtu.be/R2ebV44XaAY Why Franchises Might Be the Best Kept Wealth Building Secret with Alex Smereczniak https://youtu.be/3lXtpxTwrQI Why a Mini Retirement Can Change Your Life https://youtu.be/o5HIfbIwfjI Roth vs. Traditional, Dividend ETFs, and Catching Up in Your 40s (Money Q&A) https://youtu.be/jtITtSd6vjI 5 Side Hustles That Can Turn Into a Full Time Income (Part 4) https://youtu.be/DPQwY_U3lKY 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: How much do you actually spend on vacations in a year? Post the number and see how it compares. Learn more about your ad choices. Visit megaphone.fm/adchoices

   August 19, 2026·53min
   Play