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

    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

  2. 3d ago

    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

  3. 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

  4. 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

  5. Aug 12

    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.  👉 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 What you are actually buying with a franchise fee, and what the royalty keeps paying for How much cash you really need to start, from $5K side hustles to $5M builds Why lenders and the SBA prefer franchises, plus the retirement rollover most people have never heard of Which categories are quietly booming right now, and which trendy ones Alex is skeptical of The real-estate move that let one owner sell 30 Burger Kings and still collect checks How to structure a deal with an operating partner, and the equity threshold to stay under The path from one location to a portfolio doing hundreds of millions in revenue 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  Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e  Investment Calculator https://mastermoneyresources.com/investment-calculator-page  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  Watch Next 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  The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs  Connect with Alex Website →⁠ https://franzy.com/  Instagram →⁠ https://instagram.com/alexfromfranzy  TikTok →⁠ https://tiktok.com/alexfromfranzy  X →⁠ https://www.x.com/alexfromfranzy  Threads →⁠ https://www.threads.net/alexfromfranzy  LinkedIn →⁠ https://www.linkedin.com/in/alex-smereczniak-40310329/  YouTube →⁠ https://youtube.com/@franzyinc  Spotify →⁠ https://open.spotify.com/show/46Fegpnlum8YtWUuuCnoiF  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: If you could own any franchise in your town tomorrow, which one would you pick? Drop it in the comments.  Learn more about your ad choices. Visit megaphone.fm/adchoices

  6. Aug 10

    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.  👉 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 difference between a sabbatical and a mini retirement, and why one gives you more leverage Four red flags that mean you are not ready to take one yet What pausing your contributions actually costs you over 20 and 30 years How to calculate your number, including the reentry cushion most people forget How to solve healthcare before you leave, and the limits of COBRA The exact way to pitch this to your boss without torching your career Four real case studies, from a Coast FIRE engineer to a burned-out ER nurse 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    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  Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e  Investment Calculator https://mastermoneyresources.com/investment-calculator-page  Book/s Mentioned  Die With Zero by Bill Perkins The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich by Tim Ferriss Watch Next 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  The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs  Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo  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 year are you targeting for your mini retirement? Put the number in the comments and make it real.  Learn more about your ad choices. Visit megaphone.fm/adchoices

  7. Aug 5

    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.  👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21  👉 Live Call Registration Form: https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform  What You'll Learn in This Episode How to pick between a Roth and traditional 401(k) when there is no employer match Why the ETF versions of these funds let you skip the $3,000 minimum entirely Whether dividend ETFs like SCHD actually belong in a Roth IRA The right debt payoff order when you have cash in the bank and a car loan How to pull income from a brokerage account and stay in the 0% capital gains bracket What catch-up contributions look like at 50 and 60, and how to run your own catch-up math The AI setting to turn off before your chats end up in Google search results Start Here  Join the community built to help you master your money, stay accountable, and reach financial freedom.   👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/ 👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21 👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79 Partner Deals   Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance  Wayfair → Up to  60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com    Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP   Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP  Gelt - Get 10% off your first year by mentioning “Personal Finance Pod” on the intake form; the CTA is to book a free discovery call at joingelt.com DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/  Resource/s  Car Insurance https://secure.money.com/pr/gc43ce394da5  Best HYSA https://secure.money.com/pr/r453ecf4d190  Stock  Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c   Best IRAs https://secure.money.com/pr/oe09b73d1952  Tool/s Mentioned  The 1-3-6 Method Emergency Fund Mastery https://mastermoney.co/the-ultimate-guide-to-managing-your-emergency-fund/  Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/  Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e  Investment Calculator https://mastermoneyresources.com/investment-calculator-page  Episode/s Mentioned  The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw  5 Side-Hustles That Can Turn into a Full time Income! https://youtu.be/bEIzgYWLi1I   5 Side Hustles That Can Turn into a Full time Income! Part 2 https://youtu.be/10C4zt9w8NQ   5 Side Hustles That Can Turn into a Full Time Income! (Part 3) https://youtu.be/jEkKQZVYLSg   5 Side Hustles That Can Turn Into a Full Time Income (Part 4) https://youtu.be/DPQwY_U3lKY  How to Pay No Taxes in Early Retirement, Debunking the Mortgage Fee Fiasco,and More With Katie Gatti https://youtu.be/2JThReUdrL4  The Simple Path to Wealth (With J.L. Collins) https://youtu.be/-02BNewBfbo  Watch Next 5 Side Hustles That Can Turn Into a Full Time Income (Part 4) https://youtu.be/DPQwY_U3lKY  Why Your Healthcare Costs Keep Rising with Dr. Jordan Grumet https://youtu.be/daPVY9WCCAw  The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs  Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo  Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q  Connect with Andrew 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: Which question in this episode sounded the most like your situation? Drop it in the comments.  Learn more about your ad choices. Visit megaphone.fm/adchoices

  8. Aug 3

    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. 👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21  What You'll Learn in This Episode How to price a garage cleanout, and the quarterly maintenance offer that turns a one-time job into a subscription The third income stream most cleanout crews leave on the table entirely What it really costs to install a backyard sauna and cold plunge, and the spread you keep on every job How to build a storage business on land you do not own, using a revenue split with the landowner The math on one acre of storage spaces and why lake and coastal lots command 30 to 50% more How to rent out a boat you already own so it pays for itself, and why selling the experience beats selling the boat How to launch a virtual sleep consulting practice with no inventory, no location, and packages parents happily prepay for The content and referral playbook Andrew would run for every single one of these businesses Start Here  Join the community built to help you master your money, stay accountable, and reach financial freedom.   👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/ 👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21 👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79 Partner Deals   Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance  Wayfair → Up to  60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com    Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP   Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP  Gelt - Get 10% off your first year by mentioning “Personal Finance Pod” on the intake form; the CTA is to book a free discovery call at joingelt.com DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/  Resource/s  Car Insurance https://secure.money.com/pr/gc43ce394da5  Best HYSA https://secure.money.com/pr/r453ecf4d190  Stock  Brokerage Accounts https://secure.money.com/pr/v8d06f8de92c   Best IRAs https://secure.money.com/pr/oe09b73d1952  Episode/s Mentioned  5 Side-Hustles That Can Turn into a Full time Income! https://youtu.be/bEIzgYWLi1I   5 Side Hustles That Can Turn into a Full time Income! Part 2 https://youtu.be/10C4zt9w8NQ   5 Side Hustles That Can Turn into a Full Time Income! (Part 3) https://youtu.be/jEkKQZVYLSg   Watch Next Why Your Healthcare Costs Keep Rising with Dr. Jordan Grumet https://youtu.be/daPVY9WCCAw  The System to Pay Cash For Cars (and NEVER Have a Payment Again!) https://youtu.be/kgmjjQEN3Xs  Reset Your Money Mindset, Get Out of Debt, Save for a House & Understand Credit Scores (Money Q&A) https://youtu.be/JGoKB92rddo  Are Trump Accounts Worth It? (And What's Actually Better) https://youtu.be/jJKCfTvTm0Q  The Retirement Mistake 80% of Investors Make (with Vanguard's Lead Researcher) https://youtu.be/37zVUL0e2TE  Connect with Andrew 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: Which one of these five would you actually start? Drop it in the comments, and if you have a side hustle you want Andrew to break down on a future episode, name it. Learn more about your ad choices. Visit megaphone.fm/adchoices

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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
    563
  • Rating
    Clean
  • Copyright
    © 2022 The Personal Finance Podcast

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