Podcast
The Personal Finance Podcast
Hosted by Andrew Giancola · EN
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 than you ever thought possible. Discover how to increase your income at your job and create multiple passive income streams that work for you, so you have the time and freedom to do what you love. Whether that’s travel, or having freedom from your day job. Since 2013, Andrew has been sharing the wins and losses of his personal finance journey. You will learn how to invest to create wealth in stocks, index funds, real estate, building businesses, and side-hustles. You will learn how to save more money, get a raise, set up simple budgets, build habits, personal growth, and money hacks that will take you to the next level with your finances. Take control of your money so you can live a stress-free, rich life. Anyone can be wealthy, Andrew will show you how. Hit subscribe and get ready to change your life.
199episodes
Episodes
Newest firstAll episodes
How 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)
5d ago01:07:25Summary readyOne 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
SummaryAre Trump Accounts Worth It? (And What's Actually Better)
1w ago00:48:29Summary readyThe 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
Summary
The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher)
2w ago01:02:25Summary readyVanguard 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
Summary
How Much More Expensive Has Life ACTUALLY Become Since 2020?
2w ago00:54:04Summary readyThat $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
SummaryShould I Chase a Higher Savings Rate? Can We Semi-Retire in Our 40s? How Do We Rebuild After Bankruptcy? (Money Q&A)
3w ago01:04:15Summary readyOne 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
Summary
The Best and Worst Frugal Habits (Ranked!)
3w ago00:57:02Summary readyMost 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
SummaryShe Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman)
4w ago00:44:48Summary readyTwo life-altering losses in one week. One record-breaking fiscal year. Here is what she did differently while everything else was falling apart. 👉 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 seven pillars of abundance and why financial success collapses when the others are ignored Why high achievers who look successful are often secretly burned out and broke in ways that never show up on paper The real reason most side hustles never turn into meaningful income How to know when you have enough financial security to leave your job for your side hustle Why coming from contribution instead of desperation completely changes your business outcomes The mindset shift that helped Rebecca build her best fiscal year ever the same week she lost her father and finalized her divorce What the personal finance world gets wrong about budgeting and why it backfires for most people 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 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 Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com Scribe → Sign up for a 30-day risk-free trial scribe.how/pfp DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/ Book/s Mentioned The Four Agreements by Don Miguel Ruiz Watch Next 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 The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4 Connect with Rebecca Website: https://rebeccawhitman.com/ Facebook: https://www.facebook.com/rebecca.whitman Instagram: https://www.instagram.com/rebeccaewhitman/ X: https://x.com/RebeccaEWhitman LinkedIn: https://www.linkedin.com/in/rebeccaewhitman/ YouTube: https://www.youtube.com/@rebeccaewhitman 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 chased money thinking it would fix everything else in your life? Drop what happened and what you learned in the comments below. Learn more about your ad choices. Visit megaphone.fm/adchoices
SummaryHow do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home)
4w ago00:50:09Summary readyMost people are either ahead or behind financially for their age and have no idea which one. Here are the real numbers by decade so you can find out right now. 👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24 What You'll Learn in This Episode The real median salary, net worth, credit score, and debt for every decade from your 20s through your 50s Why the median net worth numbers are low across every age group and what wealth builders do differently The one tip Andrew gives for salary, debt, net worth, credit, and home ownership in each decade What it takes to be in the top 10% and top 1% of net worth at every age Why your 40s are your highest earning years and the one mistake that wastes them When it is actually okay to loosen up and start spending more of your money Why a 19-year-old with $25K invested does not need to touch anything or overcomplicate 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 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 scribe.how/pfp Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/ Tool/s Mentioned Wealth Builder Matrix - https://mastermoney.co/wealth-builders-matrix/ Live Q&A Call Form - https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform Episode/s Mentioned How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU Watch Next 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 The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4 Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo Connect with Andrew Instagram → https://instagram.com/mastermoneyco Website → https://mastermoney.co TikTok → https://tiktok.com/@mastermoneyco X → https://x.com/mastermoneyco LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340 YouTube → https://www.youtube.com/@mastermoneyco/ Question for you: How do your finances compare to the median for your age right now? Drop your decade and the one area you are most focused on improving in the comments below. Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary
How to Retire in 10 Years or Less!
Jun 2400:59:24Summary readyEvery financial decision you make either moves your retirement closer or pushes it further away. Here is the exact math and plan to retire in 10 years or less. 👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24 What You'll Learn in This Episode Why your savings rate is the single most important number if you want to retire early The exact savings rate you need to retire in 10 years and what happens at every percentage below it How to attack the big three expenses that are standing between you and financial freedom Where to invest your money when you want to access it before age 59 and a half A real case study of how Marcus and Priya retired at 39 on a combined $150K income Why Barista FIRE and Coast FIRE might be better options than you think The one thing most early retirees get wrong that leads to boredom and regret 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 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 Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/ Tool/s Mentioned The Retirement Calculator - https://expert-hustler-605.kit.com/e6b8d4f8a2 Book/s Mentioned Set for Life by Scott Trench Die With Zero by Bill Perkins Books on Sabbaticals Jillian Johnsrud Episode/s Mentioned Why Live-In-Flips May Be the Best Way to Invest in Real Estate with Carl and Mindy Jensen https://mastermoney.co/the-personal-finance/why-live-in-flips-may-be-the-best-way-to-invest-in-real-estate-with-carl-and-mindy-jensen/ How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI He Achieved Financial Independence in 2 Years! (Here's How!) With Justin David Carl https://youtu.be/DRHNfi3gBxk This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA How to Shave Off 7+ Working Years and Retire Early! https://youtu.be/9oZFn2lmZm4 Watch Next 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 The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4 Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0 Connect with Andrew Instagram → https://instagram.com/mastermoneyco Website → https://mastermoney.co TikTok → https://tiktok.com/@mastermoneyco X → https://x.com/mastermoneyco LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340 YouTube → https://www.youtube.com/@mastermoneyco/ Question for you: What is your current savings rate and how many years does the math say you have left until financial freedom? Drop your number in the comments and let the community help you figure out your next move. Learn more about your ad choices. Visit megaphone.fm/adchoices
SummaryThe Hidden Cost of Playing It Safe with Your Money with Ben Carlson
Jun 2200:57:09Summary readyThe biggest investing mistake isn't losing money, it's never giving your money the chance to grow. Ben Carlson joins Andrew to reveal the hidden cost of playing it safe, why volatility isn't the enemy, and how investors quietly sabotage their long-term wealth without realizing it. 👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24 What You'll Learn in This Episode Why the biggest risk for most investors is actually being too conservative How market volatility creates long-term wealth opportunities The hidden cost of waiting for the "perfect" time to invest Why diversification is still one of the most powerful risk-management tools How to think about risk differently in your 30s, 40s, and 50s The investing mistake that can permanently damage your wealth-building journey Why investor behavior matters more than finding the perfect portfolio How to build a strategy you can actually stick with through market downturns Lessons from the Great Depression, the Dot-Com Bubble, and today's AI boom Why "good enough" is often better than chasing the perfect investment plan 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 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 Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/ Watch Next The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4 Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0 This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA Connect with Ben Carlson Website → https://awealthofcommonsense.com/about-2/ LinkedIn → https://www.linkedin.com/in/ben-carlson-cfa-97661244 X → https://x.com/awealthofcs Ritholtz → https://www.ritholtzwealth.com/team/ben-carlson-cfa/ YouTube → https://www.youtube.com/@TheCompoundNews Apple Podcast → https://podcasts.apple.com/us/podcast/animal-spirits-podcast/id1310192007 Book Risk and Reward → https://awealthofcommonsense.com/2026/05/my-new-book-risk-reward/ Connect with Andrew Instagram → https://instagram.com/mastermoneyco Website → https://mastermoney.co TikTok → https://tiktok.com/@mastermoneyco X → https://x.com/mastermoneyco LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340 YouTube → https://www.youtube.com/@mastermoneyco/ Question for you: What do you think is the bigger investing mistake: taking too much risk or not taking enough risk? Let us know in the comments below. Learn more about your ad choices. Visit megaphone.fm/adchoices
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