The Personal Finance Podcast

Andrew Giancola
  • 4.7 (1.4K)
  • Investing
  • Updated Weekly

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.

  1. 1d ago

    Type A vs. Type B Money Personality: Which one are you?

    There are two money personalities. Type A or Type B? The one you decide to be changes everything in your life financially. 👉 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 Four quick questions that reveal which money personality you are The superpowers each type has, and the traps each one falls into Why the zero-based budget fits one type and the reverse budget fits the other How Type A can over-optimize their way into worse results The phrase that quietly costs Type B people the most money How each personality should structure a portfolio they will actually stick with The five areas worth optimizing, and everything that is not worth your time How couples with opposite types can run money together without fighting about 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 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    Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP  Polygenius →  Free life insurance quote http://policygenius.com  DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/  Resource/s  Car Insurance https://secure.money.com/pr/gc43ce394da5  Best HYSA https://secure.money.com/pr/r453ecf4d190  Stock  Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c   Best IRAs https://secure.money.com/pr/oe09b73d1952  Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney  Tool/s Mentioned  Master Your Money Goals https://www.skool.com/mastermoneyacademy/classroom/f1e5f000?md=5db7fc1e56a1474fbbded14211cff084  Automate Your Money in One Weekend https://www.skool.com/mastermoneyacademy/classroom/f8353a67?md=8e65293c65b2450186fb18ac56f6be97  Episode/s Mentioned  How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY  Watch Next The 12 Worst Money Habits (Ranked!) https://youtu.be/VEgX_BT5dA0  How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY  How to Save $100,000 on a Low Salary https://youtu.be/f8-BWWiDpKc  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  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: Type A or Type B? Comment which one you are and why. Learn more about your ad choices. Visit megaphone.fm/adchoices

  2. 3d ago

    The 12 Worst Money Habits (Ranked!)

    Twelve money habits, ranked from bad to absolutely devastating. Some of these you already know about  👉 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 full ranking, from number 12 all the way down to the single worst habit on the board Why looking wealthy and being wealthy pull in opposite directions What a 1% fee actually removes from your ending balance over a career The buy now, pay later stats that show most users cannot afford what they are buying Why the monthly payment question is a sales tool, and what to ask instead What the data says about sports betting and retirement contributions How to let your lifestyle grow without letting it eat every raise The fix for each habit, not just the diagnosis 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    Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP  Polygenius →  Free life insurance quote http://policygenius.com  DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/  Resource/s  Car Insurance https://secure.money.com/pr/gc43ce394da5  Best HYSA https://secure.money.com/pr/r453ecf4d190  Stock  Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c   Best IRAs https://secure.money.com/pr/oe09b73d1952  Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney  Tool/s Mentioned  Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/  Automate Your Money in One Weekend https://www.skool.com/mastermoneyacademy/automate-your-money-challenge-live?p=2f4a172b  Episode/s Mentioned  The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw  The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs  Watch Next How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY  How to Save $100,000 on a Low Salary https://youtu.be/f8-BWWiDpKc  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  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 habit did Andrew leave off the list entirely? Tell him what belongs on the board.  Learn more about your ad choices. Visit megaphone.fm/adchoices

  3. Sep 2

    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.  👉 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 treating saving and spending as opposites keeps you stuck The question Jesse builds every money decision around How labeling your cash removes the guilt of spending it Why an expense you planned for stops feeling like an emergency Where people actually find the money to pay off debt, according to 100+ interviews Why a bigger paycheck does not fix a spending skill problem The approach that gets a hesitant partner on board instead of defensive What every household should have documented in case something happens to the money person How Jesse's seven kids learn to handle their own money, starting at age eight 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    Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP  Polygenius →  Free life insurance quote http://policygenius.com  DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/  Resource/s  Car Insurance https://secure.money.com/pr/gc43ce394da5  Best HYSA https://secure.money.com/pr/r453ecf4d190  Stock  Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c   Best IRAs https://secure.money.com/pr/oe09b73d1952  Favorite Travel Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney  Book/s Mentioned  Never Worry About Money Again (Jesse's new book) — https://neverworryaboutmoneyagain.com  The Richest Man in Babylon The Millionaire Next Door  The Wealthy Barber Die With Zero Episode/s Mentioned  The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw  The Bucket Method For Managing Your Savings (Master Multiple Savings Goals) https://youtu.be/WvzYOCRBxwE  The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step) https://youtu.be/AEfhdlB9mcc  Watch Next How to Save $100,000 on a Low Salary https://youtu.be/f8-BWWiDpKc  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  Connect with Jesse Mecham Personal:  Email → askjesse@ynab.com  Podcast → https://youneedabudget.libsyn.com  Author Page →  https://www.ynab.com/author/jesse-mecham  Business: X → https://x.com/ynab  Tiktok → https://www.tiktok.com/@ynabofficial  Facebook → https://www.facebook.com/ynabofficial  Instagram → https://www.instagram.com/ynab.official/  YouTube → https://www.youtube.com/@ynabofficial  LinkedIn →  https://www.linkedin.com/company/ynab  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 money for? Answer it in one sentence in the comments.  Learn more about your ad choices. Visit megaphone.fm/adchoices

  4. Aug 31

    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

  5. Aug 26

    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

  6. Aug 24

    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

  7. Aug 19

    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

  8. Aug 17

    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

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About

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.

Information

  • Creator
    Andrew Giancola
  • Years Active
    2020 - 2026
  • Episodes
    567
  • Rating
    Clean
  • Copyright
    © 2022 The Personal Finance Podcast

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