The Personal Finance Podcast
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...
How to Never Worry About Money Again With Jesse Mecham
There is no such thing as saving money. You are only deferring spending, and the moment that clicks, the guilt you feel every time you touch your savings disappears. Jesse Mecham, founder of YNAB, explains why every dollar you own is meant to be spent.
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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.
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What You'll Lea...
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.
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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.
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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.
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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.
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Why Franchises Might Be the Best Kept Wealth Building Secret with Alex Smereczniak
67% of Americans say they want to own a business. Only 6% ever do it, and the gap is almost never a lack of money. Alex Smereczniak has data on thousands of franchises, and he breaks down the path that lets you start a business on step three instead of step one.
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Why a Mini Retirement Can Change Your Life
You do not have to wait until 65 to actually use your money. There is a version of retirement you can take at 35, at 40, at 45, and Andrew breaks down exactly what it costs, who should not do it, and the step-by-step plan to fund one without derailing your future.
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Roth 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.
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What You'll Learn in This Episode
5 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.
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What You'll Learn in This Episode
Why 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.
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What You'll Learn in This Episode
The 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.
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What You'll Learn in This Episode
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)
One episode packed with everything from debt payoff psychology to investing for a special needs child.
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What You'll Learn in This Episode
Are 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.
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What You'll Learn in This Episode
The 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.
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What You'll Learn in This Episode
How 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.
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What You'll Learn in This Episode
Should 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.
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What You'll Learn in This Episode
The 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.
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What You'll Learn in This Episode
She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman)
Two life-altering losses in one week. One record-breaking fiscal year. Here is what she did differently while everything else was falling apart.
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What You'll Learn in This Episode
How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home)
Most 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.
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What You'll Learn in This Episode
How to Retire in 10 Years or Less!
Every 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.
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What You'll Learn in This Episode
The Hidden Cost of Playing It Safe with Your Money with Ben Carlson
The 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.
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What You'll Learn in This Episode
The Patient Investor's Playbook with Noah Kerner - CEO of Acorns
The CEO of Acorns says 96% of people who trade online lose money. Here is why slow and steady is still the only investing strategy that actually works.
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What You'll Learn in This Episode
The Best Ages to Build Wealth (Ranked!)
The decade you are in right now is either working for you or against you. Here is how every age stacks up for building wealth ranked from best to worst.
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What You'll Learn in This Episode
Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI)
SpaceX. Anthropic. OpenAI. Everyone is talking about investing in these IPOs. Here is what Warren Buffett would say and what you need to know before you touch any of them.
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What You'll Learn in This Episode
Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? (Money Q&A)
Overweighted S&P 500. Accidental landlords. Early retirement in Japan.
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What You'll Learn in This Episode
Whether the S&P 500 is actually diversified when 39% sits in just 10 stocks A Vanguard phishing scam that almost fooled Andrew's own wife and how to spot it How a 33-year-old with $800K invested can move to Japan and still retire wealthy Why a cash flow negative rental property is a liability no matter what the...This is THE BIGGEST RISK to Your Retirement Portfolio
Two retirees. Same portfolio. Same returns. One ran out of money at 87. The only difference was when the bad years hit. Here is how to make sure you are not the unlucky one.
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What You'll Learn in This Episode
The Insurance Crisis Nobody Is Talking About (With Bob Litterman)
Your home insurance bill is not going up because of inflation. It is going up because of a risk that was mispriced for decades and is now coming due.
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What You'll Learn in This Episode
Why home insurance is up 74% since 2008 and is not coming back down How one weather event turns into a coverage gap, an un-mortgageable home, and...He Lost $50 Million In Real Estate Then Got Rich Again (With Rod Khleif)
He lost $50 million in 2008 and built it all back. Here is exactly what he did and what he would never do again.
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What You'll Learn in This Episode
How to Become a Stealth Wealth Millionaire (With JC Rodriguez)
Real millionaires do not look rich. They look boring on purpose, and that is exactly how they got there.
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What You'll Learn in This Episode
The core mentalities that separate stealth wealth millionaires from high earners who stay broke Why the person driving the Mercedes is more likely in debt than the person driving the Toyota What real millionaires actually invest in and why it is boring on...High Income Tax Strategies, Selling a House to Invest in the S&P 500, and Converting $100K to a Roth IRA (Money Q&A)
Eight questions. Eight real financial situations. Eight answers that might change the way you think about your money.
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What You'll Learn in This Episode
How to Shave Off 7+ Working Years and Retire Early!
Most people try to retire early by saving more and spending less. The people who actually pull it off use these six strategies instead.
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What You'll Learn in This Episode
Is the American Dream Dead? (With Freddie Smith)
Millennials and Gen Z are not broke because of laziness but a broken system. Here is what is actually going on and what you can do about it.
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What You'll Learn in This Episode
How Companies Are Quietly Robbing You! With Lindsay Owens
The store already knows how much you are willing to pay. They are just waiting for the right moment to charge you that exact amount.
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What You'll Learn in This Episode
What surveillance pricing is and why it is already happening to you at over 250 companies The JetBlue confession that accidentally blew the lid off the entire industry How Walmart's new digital shelf tags could change your grocery price while you...12 Financial Rules of Thumb That Let You Spend More on What You Love
What if the secret to spending more on what you love is not making more money but having better rules for how you spend it?
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What You'll Learn in This Episode
How to RETIRE BY 30! (With Cody Berman)
Nobody teaches you that financial independence is a spectrum. Here is the mindset shift that changed everything.
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What You'll Learn in This Episode
How to Manage Your Money (and Still Enjoy Life)
Managing money does not have to mean giving up the things you love. Here is the system that lets you do both at the same time.
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What You'll Learn in This Episode
The Housing Market Is Rigged (Here's How to Beat It) With David Sidoni
What if the thing keeping you out of the housing market is not the market at all but the advice you have been given?
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What You'll Learn in This Episode
Focus on THIS in Retirement (Everything Else is Noise)
The retirement equation is simpler than most people think. The problem is nobody ever told them which variables they actually get to decide. Here is the framework that fixes that.
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What You'll Learn in This Episode
How to Build Your Investment Portfolio (The Portfolio Pyramid!)
Most new investors start building their portfolio completely backwards. Here is the exact framework to build it the right way from the very first dollar.
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What You'll Learn in This Episode
