The Personal Finance Podcast

Latest Episodes:

10 Financial Mistakes That Look Smart Until You're Older Nov 11, 2026

Show notes

Ten decisions that sound financially responsible, with the actual math on what each one costs you by the time you retire.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

What $100,000 sitting in cash is actually worth in purchasing power after thirty years

Why aggressively paying down a low-rate mortgage can be the expensive choice

The income gap between someone taking 3% raises and someone averaging 7%

What a $250,000 difference in house price costs you in opportunity over a lifetime

Why the monthly payment is the wrong number to shop by

The cost of waiting ten years to start investing, even at the same contribution

How avoiding all risk creates a different and bigger risk

Why the cheapest option often turns out to be the most expensive one

The questions to run any financial decision through before you commit

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

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

Get That Raise E-book — https://mastermoney.co/get-that-raise-ebook/

Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/

Episode/s Mentioned

Should You Wait for a Crash to Invest? (The Cost of Sitting in Cash) https://youtu.be/AxcbhRXk_K8

How To Design Your Dream Life with Andy Hill https://youtu.be/gXQGlNGvSPg

How to Negotiate Your Salary (The Step-By-Step System!) https://youtu.be/rIDlLqDI3O0

The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw

Watch Next

Should You Wait for a Crash to Invest? (The Cost of Sitting in Cash) https://youtu.be/AxcbhRXk_K8

Should You Cancel Whole Life Insurance? Investing After 50 & More https://youtu.be/pCU3H_xGR4Q

The American Dream Now Costs $5.3 Million https://youtu.be/_p2aFDeMKTs

What Happens if I Stop Investing for a Year? https://youtu.be/ihcTkAFwY00

18 SCARY Money Statistics in 2026! https://youtu.be/Jf8KjPwSTEA

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 of these 10 mistakes have you made, and which one are you going to fix first?

Learn more about your ad choices. Visit megaphone.fm/adchoices

Should You Wait for a Crash to Invest? (The Cost of Sitting in Cash) Nov 09, 2026

Show notes

“I’m waiting for a pullback” is one of the most common things Andrew hears from investors, and this episode puts that instinct up against decades of data. He walks through research from Schwab, JP Morgan, Vanguard, Dimensional, and Citi, plus several case studies showing what actually happens to the person who sits in cash waiting for a better entry price.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

The five decisions you have to get right for market timing to actually work

What the Schwab study found when comparing perfect timing, worst timing, and staying in cash

How long investors historically waited for a 5%, 10%, or 20% pullback

Why investing at all-time highs has produced competitive returns, not worse ones

What missing just the ten best days does to a twenty-year portfolio

Whether to invest a lump sum all at once or spread it out, according to Vanguard

The legitimate reasons to hold cash, and the reasons that quietly cost you

The price tag on waiting one, three, or five years before investing

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

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

Studies Mentioned

Schwab, Does Market Timing Work? https://www.schwab.com/learn/story/does-market-timing-work

Citi Wealth Investment Lab, via TheStreet https://www.thestreet.com/investing/stocks/citis-data-could-change-how-you-invest-at-sp-500-highs

Dimensional, Why a Stock Peak Isn’t a Cliff https://my.dimensional.com/chmedia/339626/source/why-a-stock-peak-isnt-a-cliff.pdf

J.P. Morgan Guide to Retirement https://am.jpmorgan.com/us/en/asset-management/adv/insights/retirement-insights/guide-to-retirement/

Vanguard, Cost Averaging https://corporate.vanguard.com/content/dam/corp/research/pdf/cost_averaging_invest_now_or_temporarily_hold_your_cash.pdf

Episode/s Mentioned

The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw

How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY

Watch Next

Should You Cancel Whole Life Insurance? Investing After 50 & More https://youtu.be/pCU3H_xGR4Q

The American Dream Now Costs $5.3 Million https://youtu.be/_p2aFDeMKTs

What Happens if I Stop Investing for a Year? https://youtu.be/ihcTkAFwY00

18 SCARY Money Statistics in 2026! https://youtu.be/Jf8KjPwSTEA

Do You Think You'll ACTUALLY Be Able to Retire? https://youtu.be/oT_mCCD9MpI

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 percentage drop would it take before you actually hit buy? Name your number.

Learn more about your ad choices. Visit megaphone.fm/adchoices

Should You Cancel Whole Life Insurance? Investing After 50 & More Nov 04, 2026

Show notes

Someone was paying $2 a month on a student loan and the balance kept climbing. Someone else got talked into cash value life insurance by a college friend. Six real situations, six ways out.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

Why income-driven payments can leave your balance flat or growing, and how to fix it
The rule for deciding whether going back to school is worth the debt
How to evaluate getting out of a cash value life insurance policy, including surrender charges and the 1035 exchange
How a self-employed person opens a Roth IRA, and when a solo 401(k) makes more sense
Paying yourself from your own business, including S corp salary versus distributions
Practical ways to add friction to your spending so impulse purchases stop happening
The catch-up and super catch-up amounts available if you are starting seriously in your 50s
Whether greed is good, and the line between greed and ambition
Banks are finding third-party AI agents inside customer accounts, and what that means for you

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off
Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast
Whatnot → Increase your income with a side hustle by shopping, selling and collecting at https://www.whatnot.com
Leesa → Get up to 25% off mattresses with promo code PFP at https://www.leesa.com/
Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
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
The 'American Dream' Now Costs More Than $5.3 Million https://www.investopedia.com/the-2026-american-dream-cost-rises-4-percent-12154346

Tool/s Mentioned

Master Money Budget Template https://mastermoneyresources.com/budget-template
The Retirement Calculator https://expert-hustler-605.kit.com/e6b8d4f8a2
Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e
Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/
The Financial Milestone Track https://expert-hustler-605.kit.com/062e0b977b
Get That Raise E-book — https://mastermoney.co/get-that-raise-ebook/
The Stairway to Wealth — https://mastermoney.co/the-stairway-to-wealth/
The Ultimate Guide to the 1-3-6 Emergency Fund Method https://drive.google.com/file/d/1wbu4UWoWBKvFcAIYn2IND-twKACWVEE1/view

Watch Next

The American Dream Now Costs $5.3 Million https://youtu.be/_p2aFDeMKTs
What Happens if I Stop Investing for a Year? https://youtu.be/ihcTkAFwY00
18 SCARY Money Statistics in 2026! https://youtu.be/Jf8KjPwSTEA
Do You Think You'll ACTUALLY Be Able to Retire? https://youtu.be/oT_mCCD9MpI
5 Ways to Go BROKE (By AGE!) https://youtu.be/1xm23NnneJM

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 own situation?

Learn more about your ad choices. Visit megaphone.fm/adchoices

The American Dream Now Costs $5.3 Million (Here's the Breakdown) Nov 02, 2026

Show notes

Someone added up the full price of the American dream and landed on $5.3 million. The more useful number is how much of that list you actually want.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

Where the $5.3 million figure comes from, split across all eight categories
What a median-priced home really costs you once taxes, insurance, and maintenance are counted
Andrew’s car-buying rule, and the math behind buying two to three years used
The category that jumped nearly 9% this year, more than any other
Why the retirement number in this study is not the number you should be saving toward
The account that quietly solves part of the healthcare problem if you start early
A simple exercise for sorting your own version of the dream from the inherited one
Where costs outpaced wages this year, and the lever that closes the gap

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off
Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast
Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/
Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/
Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
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
The 'American Dream' Now Costs More Than $5.3 Million https://www.investopedia.com/the-2026-american-dream-cost-rises-4-percent-12154346

Episode/s Mentioned

Buying a House VS. Investing In the S&P 500 (Which Is Better?) https://youtu.be/6iwf_4iQz0c
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
How to Negotiate Your Salary (The Step-By-Step System!) https://youtu.be/rIDlLqDI3O0

Tool/s Mentioned

Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/

Watch Next

What Happens if I Stop Investing for a Year? https://youtu.be/ihcTkAFwY00
18 SCARY Money Statistics in 2026! https://youtu.be/Jf8KjPwSTEA
Do You Think You'll ACTUALLY Be Able to Retire? https://youtu.be/oT_mCCD9MpI
5 Ways to Go BROKE (By AGE!) https://youtu.be/1xm23NnneJM
How to Evaluate a Stock Like Warren Buffett with Brian Feroldi https://youtu.be/posnNC99UFQ

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 does your American dream actually look like? Describe it.

Learn more about your ad choices. Visit megaphone.fm/adchoices

What Happens if I Stop Investing for a Year? Oct 28, 2026

Show notes

Life happens, and sometimes investing is the first thing that gets cut. Andrew runs the real numbers on what one skipped year costs, and when taking that hit is still the smarter move.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

What one skipped year of retirement contributions actually costs over a 23-year horizon
The situations where pausing makes sense, and the one thing to keep contributing to regardless
Asset location explained: which funds belong in a Roth, a 457, and a taxable brokerage
What a 21-year-old in New York should do with $30,000 sitting in a regular savings account
How RSUs are taxed at vest, and the withholding gap that creates surprise tax bills
Whether the seven streams of income rule is real, and the five Andrew actually has
Why cashing out a 401(k) to kill $7,000 of credit card debt is a six-figure mistake
Election season scams, including the voter registration text making the rounds

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off
Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast
Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/
Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/
Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
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

Episode/s Mentioned

19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs

Tool/s Mentioned

Compound Interest Calculator https://mastermoneyresources.com/investment-calculator-page

Watch Next

18 SCARY Money Statistics in 2026! https://youtu.be/Jf8KjPwSTEA
Do You Think You'll ACTUALLY Be Able to Retire? https://youtu.be/oT_mCCD9MpI
5 Ways to Go BROKE (By AGE!) https://youtu.be/1xm23NnneJM
How to Evaluate a Stock Like Warren Buffett with Brian Feroldi https://youtu.be/posnNC99UFQ
12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg

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:

Have you ever had to pause investing? What was going on, and did you restart?

Learn more about your ad choices. Visit megaphone.fm/adchoices

18 SCARY Money Statistics in 2026! Oct 26, 2026

Show notes

Every Halloween week Andrew digs into the scariest financial statistics of the year, and 2026 delivered plenty. This round covers financial infidelity, childcare, abandoned retirement accounts, delivery apps, subscriptions, credit card balances, sports betting, buy now pay later, and a car debt situation that has quietly gotten worse than most people realize.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

Why nearly half of people in committed relationships know nothing about their partner’s money

What childcare actually costs now compared to rent, and the one lever that solves it

The $2.1 trillion sitting in forgotten 401(k)s, and your three options for an old one

How much more you pay for delivery versus pickup, broken down by how often you order

Why people underestimate their subscription spending by about $133 a month

The real cost of a $10,000 credit card balance at 24% interest

What sports betting is quietly doing to household investment contributions

Why first-time homebuyers are now 40, and what insurance costs have to do with it

The negative equity numbers on pickup trucks that make the 20% down rule non-negotiable

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off

Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast

Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/

Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/

Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/

Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP

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

Episode/s Mentioned

How to Master Your Student Loans with Robert Farrington https://youtu.be/t146LJRUc0o

19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs

How to Buy a Car And Not Get Screwed (in 2026!) https://youtu.be/II-PzXfYUdk

Buying a House VS. Investing In the S&P 500 (Which Is Better?) https://youtu.be/6iwf_4iQz0c

Is the American Dream Dead? (With Freddie Smith) https://youtu.be/3Ivz8Ts9J2o

Tool/s Mentioned

Total Cost of of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/

Watch Next

Do You Think You'll ACTUALLY Be Able to Retire? https://youtu.be/oT_mCCD9MpI

5 Ways to Go BROKE (By AGE!) https://youtu.be/1xm23NnneJM

How to Evaluate a Stock Like Warren Buffett with Brian Feroldi https://youtu.be/posnNC99UFQ

12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg

19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs

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 number surprised and scared you the most this year?

Learn more about your ad choices. Visit megaphone.fm/adchoices

Do You Think You'll ACTUALLY Be Able to Retire? Oct 21, 2026

Show notes

Most people decide whether retirement is possible for them without ever doing the math. Andrew runs the numbers on all three goals Americans say they want most, and the answers are better than the headlines suggest.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

The confidence gap between what Americans want financially and what they believe they will get
How to calculate your retirement number, and why to redo it every year
What $500 a month becomes at 25 versus 35, and the million-dollar cost of waiting
The checklist to clear before buying a house, including the one rule most people skip
How to prioritize three goals competing for the same dollars
The order of operations when a bonus or windfall lands
The withdrawal sequence for retiring at 50 while staying under the ACA subsidy cliff
How to find a flat-fee advisor to review your plan without handing over your assets
A long-con dating app scam that ends in a fake investing platform

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off
Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast
Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/
Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/
Policygenius → Compare life insurance quotes for free at https://www.policygenius.com/
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
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

Episode/s Mentioned

The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw
Buying a House VS. Investing In the S&P 500 (Which Is Better?) https://youtu.be/6iwf_4iQz0c

Tool/s Mentioned

Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/
Master Your Money Goals https://www.skool.com/mastermoneyacademy/classroom/f1e5f000?md=5db7fc1e56a1474fbbded14211cff084
The Stairway to Wealth https://mastermoney.co/the-stairway-to-wealth/

Watch Next

5 Ways to Go BROKE (By AGE!) https://youtu.be/1xm23NnneJM
How to Evaluate a Stock Like Warren Buffett with Brian Feroldi https://youtu.be/posnNC99UFQ
12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg
19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs
How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA

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:

Rank the three goals for yourself: home, debt freedom, retirement. Do you believe you will retire comfortably?

Learn more about your ad choices. Visit megaphone.fm/adchoices

5 Ways to Go BROKE (By AGE!) Oct 19, 2026

Show notes

Every decade has its own way of quietly breaking your finances, and most people never see theirs coming until it already happened.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

Five ways to go broke in your teens, 20s, 30s, 40s, 50s, and 60s
What waiting ten years to start investing actually costs you
The 20/4/12/10 rule for buying a car without going backwards
Why a house is a lifestyle decision more than a financial one, and the total cost nobody runs
The business risk in your 40s that can force you to start over
Catch-up contribution amounts available at 50 and again at 60
Why paying for your kids’ college before your own retirement works against both of you
The one thing to protect in each decade, from your time to your freedom

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off
Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast
Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/
Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/
Policygenius → Compare life insurance quotes for free at https://www.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

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

Tool/s Mentioned

Total Cost of Ownership Calculator https://mastermoney.co/total-cost-of-ownership-calculator/
The Wealth Builders Matrix https://mastermoney.co/wealth-builders-matrix/
The Portfolio Pyramid https://event.webinarjam.com/q05p7/register/8mz7rho?webinar_id=23
The 1-3-6 Method https://mastermoney.co/the-ultimate-guide-to-managing-your-emergency-fund/

Watch Next

How to Evaluate a Stock Like Warren Buffett with Brian Feroldi https://youtu.be/posnNC99UFQ
12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg
19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs
How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA
The Millionaire Money Rules (Get to $1M Faster!) https://youtu.be/CNeIBcfXtUA

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 decade are you in, and which of those five are you guilty of right now?

Learn more about your ad choices. Visit megaphone.fm/adchoices

How to Evaluate a Stock Like Warren Buffett! With Brian Feroldi Oct 14, 2026

Show notes

You cannot judge a three-year-old by their SAT score, and you cannot judge a young company by its P/E ratio. Brian Feroldi explains the five phases that tell you which numbers actually matter.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

What You'll Learn in This Episode

Why Buffett skips the spreadsheet math entirely, and the bridge analogy behind it
How the "too hard" pile works, and what belongs in yours
The five phases every business moves through, from startup to decline
Which metrics matter in each phase, and which ones are meaningless
Why Amazon was genuinely cheap at 100 times earnings
The two conditions that have to be true before the P/E ratio tells you anything
How to compare a company's multiple against its own history in about a minute
Why some businesses are cheap at 30x and others are expensive at 10x
A free tool that sorts any ticker into its phase for you

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off
Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast
Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/
Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/
Policygenius → Compare life insurance quotes for free at https://www.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
Stock Simplifier Phase Tool stocksimplifier.com/phase

Episode/s Mentioned

Warren Buffett: How To Calculate Intrinsic Value https://www.youtube.com/watch?v=knetdlviyDE
Stock Valuation Lecture: How We Value A Business https://www.youtube.com/watch?v=l_1TNv246A0
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

12 Reasons You Need to Stop PLAYING SMALL with Money https://youtu.be/qFz3_-pLapg
19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs
How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA
The Millionaire Money Rules (Get to $1M Faster!) https://youtu.be/CNeIBcfXtUA
The EXACT System I Use to Manage Every Paycheck https://youtu.be/o-URBMRnItU

Connect with Brian Feroldi

Website → https://www.brianferoldi.com
Newsletter → https://www.longtermmindset.co/newsletter
Stock Simplifier → https://stocksimplifier.com
YouTube → https://www.youtube.com/@BrianFeroldiYT
X → https://x.com/BrianFeroldi
LinkedIn → https://www.linkedin.com/in/brianferoldi
Facebook → https://www.facebook.com/brian.feroldi/

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 metric do you look at first when you open up a stock, and is it the right one?

Learn more about your ad choices. Visit megaphone.fm/adchoices

12 Reasons You Need to Stop PLAYING SMALL with Money Oct 12, 2026

Show notes

Are you spending hours trying to save a few dollars while overlooking the financial decisions that could transform your future? Building wealth isn't just about cutting expenses. It's about increasing your income, making smarter decisions about housing and cars, reducing investment fees, investing in yourself, and consistently putting money toward your financial future.

In this episode of Master Money, Andrew Giancola explains why focusing on small savings can distract from the bigger opportunities that actually move the needle. Learn how to identify your highest-impact financial decisions, increase your earning potential, evaluate purchases based on return on investment, and build wealth through consistent, long-term investing.

The goal isn't to spend recklessly or chase overnight success. It's to stop playing small with your financial future and start making decisions that give you more freedom, flexibility, and control over your time.

👉 Want personalized help from Andrew? Join Master Money Academy at https://www.skool.com/mastermoneyacademy/about

👉 Join Andrew’s FREE Investing for Beginners 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

👉 One-on-One Coaching Application Form: https://docs.google.com/forms/d/12UHo5Zmu1AyY_G4Gmbrcx9vThIZhxqFnaJ5dIihZL24/edit

👉 Master Money Wealth Building Strategy Call: https://calendly.com/irene-mastermoney/master-money-wealth-building-strategy-call?month=2026-09

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

Hostinger → Build your website step by step at https://www.hostinger.com/ and use code PFP for 10% off
Indeed → Get a $75 sponsored job credit at https://www.indeed.com/podcast
Wayfair → Shop thousands of products for every style and budget at https://www.wayfair.com/
Leesa → Get up to 30% off mattresses plus an extra $50 off with promo code PFP at https://www.leesa.com/
Policygenius → Compare life insurance quotes for free at https://www.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

Watch Next

19 Strategies to Pay Off Debt (FASTER!) https://youtu.be/WAnf4Z7PHjs
How to Build a Portfolio If You Are Worried About An AI Bubble https://youtu.be/NhfJVhSTedA
The Millionaire Money Rules (Get to $1M Faster!) https://youtu.be/CNeIBcfXtUA
The EXACT System I Use to Manage Every Paycheck https://youtu.be/o-URBMRnItU
The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4