The Personal Finance Podcast

Latest Episodes:

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

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 one big financial decision you could make this year that would have a greater impact on your wealth than cutting small expenses?

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

19 Strategies to Pay Off Debt (FASTER!) Oct 07, 2026

Show notes

What if you could pay off your debt faster without completely overhauling your life? From micro payments and bi-weekly payments to refinancing, found money strategies, and behavioral hacks, this episode breaks down 19 practical strategies to help reduce debt, save on interest, and accelerate the path toward financial freedom.

👉 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

What You'll Learn in This Episode

How micro payments can help reduce debt faster and lower interest costs
Why bi-weekly payments can result in an extra full payment each year
How paying before a statement closes can improve utilization and create refinancing opportunities
Why rounding up debt payments can make extra payments easier to maintain
How to negotiate a lower APR with your credit card company
When a 0% balance transfer can help and when it can make the situation worse
How refinancing and debt consolidation can reduce interest costs
Why principal-only payments can help extra payments go directly toward your loan balance
How the debt snowball and debt avalanche strategies compare
Why rolling payments forward can accelerate your debt payoff
How to use tax refunds, bonuses, raises, and other windfalls to attack debt
How canceling unused subscriptions can create money for debt payments
Why selling unused items around the house can help generate extra cash
How credit card points and cash back can potentially be redirected toward debt
Why debt payments should increase as income increases
How automating minimum payments can keep your debt plan on track
Why freezing new credit card charges can prevent the debt cycle from getting worse
How visual debt trackers can improve motivation and accountability
How no-spend weeks or months can help redirect more money toward debt

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

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
How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I

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 19 debt payoff strategies are you going to try first?

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

How to Build a Portfolio If You Are Worried About An AI Bubble Oct 05, 2026

Show notes

What if AI really is in a bubble? Should you sell your investments, avoid tech completely, or change your portfolio? The answer isn't to predict the next crash. It's to build a portfolio that can handle uncertainty while still allowing you to participate in long-term growth.

👉 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

What You'll Learn in This Episode

Why you shouldn't try to predict whether an AI bubble or market crash is coming
The difference between betting on AI technology and betting on the price of AI stocks
How much AI exposure you may already have through broad-based index funds
How index funds can help reduce concentration risk when individual companies fall
How equal-weight, value, small-cap value, and international funds can diversify your portfolio
Why adding bonds can make sense depending on your age, goals, and stage of wealth building
How rebalancing can help keep your portfolio aligned with your original investment plan
Why selling everything and waiting for a market crash can hurt long-term returns
How to create an investment plan that removes emotion from your investing decisions
How to determine your risk tolerance and build an asset allocation around it
How to organize investments across multiple retirement and brokerage accounts
What a Backdoor Roth IRA is and why it can be useful for high earners

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

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
How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I
5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc

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:

Are you worried about an AI bubble, and if so, what changes, if any, are you considering making to your portfolio?

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

The Millionaire Money Rules (Get to $1M Faster!) Sep 30, 2026

Show notes

Most people will never become millionaires because nobody handed them the rules. These ten rules cover spending, debt, investing, income, and protection, and they are the whole game.

👉 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

👉 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

What You'll Learn in This Episode

The ten money rules that move the needle toward your first million
How to spend aggressively on what you value and cut everything else
What a $10,000 credit card balance really costs you over three years
The micropayment strategy for chipping away at debt faster
Why index funds beat trying to find the next winner
The six million-dollar money decisions worth obsessing over
How to build money routines around your personality instead of fighting it
Why net worth, not income, is the only scorecard that counts

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
Hostinger → Build your vision step by step at ⁠⁠Hostinger.com/PFP⁠⁠ and use code PFP for 10% off now
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

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

Episode/s Mentioned

How to Negotiate Your Salary (The Step-By-Step System!) https://youtu.be/rIDlLqDI3O0
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
Why Your First $1 Million Changes Everything https://youtu.be/SgG8DQGZVG0
The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw
Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ
How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU

Watch Next

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
How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I
5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc
The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U

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 the ten rules are you already following, and which one needs work?

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

The EXACT System I Use to Manage Every Paycheck Sep 28, 2026

Show notes

Bills first, savings with whatever is left. That is how almost everyone runs their money, and it is supposed to be backwards. Andrew flips the whole sequence and automates every step of it.

👉 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

👉 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

What You'll Learn in This Episode

The eight-step order every paycheck runs through, and why investing comes first
Why your checking account should only ever be a pass-through
How to cluster your bills so cash flow stops surprising you
The weekly credit card habit that kills revolving balances
Which savings buckets to build once the emergency fund is done
What the whole system looks like on a $6,000 paycheck
Whether an emergency fund belongs in cash or a brokerage 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
Hostinger → Build your vision step by step at ⁠⁠Hostinger.com/PFP⁠⁠ and use code PFP for 10% off now
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

Compound Interest Calculatorhttps://mastermoneyresources.com/investment-calculator-page

Episode/s Mentioned

Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ
How to Build a Vacation Fund That Pays You For Life + (Money Q&A) https://youtu.be/SMDRQkqnA74

Watch Next

The 7 Habits of Great Investors https://youtu.be/TxI_S5rP9X4
How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I
5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc
The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U
Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ

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 current order of operations when a paycheck hits? Post it in the comments.

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

The 7 Habits of Great Investors Sep 23, 2026

Show notes

The best investors in the world do not share a strategy, but they do share a set of habits. If you learn these habits of great investors instead of their stock picks, your portfolio would probably do better.

👉 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

👉 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

What You'll Learn in This Episode

The seven habits successful investors share, regardless of their strategy
How automatic increases helped people nearly quadruple their savings rate without feeling it
What a 1% fee costs over a career, including one example where it takes $4 million off the ending balance
Why the best days in the market tend to show up right next to the worst ones
The research showing just 4% of companies created all the net wealth in the stock market
Practical ways to keep your emotions from wrecking your returns
Plus listener questions on paying off 23% credit card debt, getting a spouse engaged with money, preparing an investment plan while still in debt, and whether to use a bonus on low-interest loans or a Roth IRA

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
Hostinger → Builds your vision step by step. Create your website today at ⁠Hostinger.com/PFP⁠ and use code PFP for 10% off now
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

Compound Interest Calculatorhttps://mastermoneyresources.com/investment-calculator-page

Book/s Mentioned

The Psychology of Money by Morgan Housel
The Little Book of Common Sense Investing by John Bogle
The Simple Path to Wealth by JL Collins
A Random Walk Down Wall Street by Burton Malkiel
The Bogleheads' Guide to Investing
Warren Buffett's shareholder letters, free at https://www.berkshirehathaway.com/letters/letters.html

Episode/s Mentioned

The Business Show https://youtube.com/playlist?list=PLHvdISl-a2chNMWZfkJra-15dS_vlKEt3&si=m0TPEfzeyMjIzEPb

Watch Next

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters https://youtu.be/UuY_c3OuQ6I
5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc
The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U
Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ
The 12 Worst Money Habits (Ranked!) https://youtu.be/VEgX_BT5dA0

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 the seven habits do you already have, and which one are you still working on?

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

How to Reach Financial Independence Without Putting Your Life on Hold with Justin Peters Sep 21, 2026

Show notes

There is a point where saving another dollar starts costing you something worth more than the dollar. Justin Peters figured out exactly where that line is.

👉 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

👉 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

What You'll Learn in This Episode

Justin's four spending principles, including the fun fund and the oops budget
The "moments that matter" list, and how to decide what money should not get a vote on
The line between discipline and deprivation, and how to tell which side you are on
Why the last 10% of optimization costs more in life satisfaction than it saves
Small experiments that reveal what you actually value, no soul searching required
When lifestyle creep is healthy, and the mental trick that makes spending feel safer
The monthly money routine that takes 20 to 30 minutes
How Justin and his wife run money together, and the mistake both he and Andrew made early on

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
Hostinger → Builds your vision step by step. Create your website today at ⁠Hostinger.com/PFP⁠ and use code PFP for 10% off now
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

Episode/s Mentioned

Why you NEED a Financial Independence Bucket List With Justin Peters https://youtu.be/ASEQtEjoUMI
The 5 Types of Wealth With Sahil Bloom https://youtu.be/DTzYvlbRiIs
How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY
The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U
How to Double Your Income in One Year with Andrew Giancola https://open.spotify.com/episode/5mt4PuxjYDSGi4D0HOpntH?si=mNpWJbGKQxeYOIIGFaOZiw

Watch Next

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) https://youtu.be/amtxpMBllmc
The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U
Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ
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

Connect with Justin

Email → Justin@FIMinded.com
X → https://x.com/justinleepeters
Instagram → https://www.instagram.com/justinleepeters
LinkedIn → https://www.linkedin.com/in/justinleepeters/
Pod.link (all players): https://pod.link/1496701179

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 would go on your "moments that matter" list? Name one in the comments.

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

5 Signs You’re Overthinking Investing! (Plus Money Q&A!) Sep 16, 2026

Show notes

Investing is supposed to be simple: right accounts, low-cost funds, decades of consistency. If yours has become anything more complicated than that, one of these five signs is probably why.

👉 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

👉 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

What You'll Learn in This Episode

Five habits that signal you are overcomplicating your portfolio
Why owning more funds often means less diversification, not more
The free tool that shows how much overlap your holdings actually have
Why waiting for the right entry point keeps costing people years
How often to check your accounts without it working against you
Plus listener questions on cross-border estate taxes, surviving a 10-month school paycheck year, and what to do with money while living at home
Andrew's honest take on day trading after a layoff, and what he would do instead
A new brokerage transfer scam that a credit freeze will not stop

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
Hostinger → Builds your vision step by step. Create your website today at Hostinger.com/PFP and use code PFP for 10% off now.

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

Coast FIRE Calculator https://visionary-raindrop-1fc22a.netlify.app/
Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e

Episode/s Mentioned

How to Save $100,000 on a Low Salary https://youtu.be/f8-BWWiDpKc
How to Never Worry About Money Again with Jesse Mecham https://youtu.be/_Zrin_NvjpY
The 1-3-6 Method For Building & Managing Your Emergency Fund https://youtu.be/rGdII_Z0hnw
Why Index Funds Are King (Plus My Favorite Index Funds!) https://www.thepersonalfinancepodcast.com/why-index-funds-are-king-plus-my-favorite-index-funds/

15 Reasons Index Funds Are Still My All Time Favorite Investment https://www.thepersonalfinancepodcast.com/15-reasons-index-funds-are-still-my-all-time-favorite-investement/
Index Funds VS. ETFs | Which One Is a Better Investment? (THE GREAT SHOWDOWN! https://www.thepersonalfinancepodcast.com/index-funds-vs-etfs-which-one-is-a-better-investment-the-great-showdown/
How to Put Together a Bulletproof Investment Plan (Set it and Forget it) https://www.thepersonalfinancepodcast.com/how-to-put-together-a-bulletproof-investment/

Watch Next

The 5 Levels of FIRE (Coast, Lean, FI, Chubby, Fat) https://youtu.be/cpZCevuXW1U
Type A vs. Type B Money Personality: Which one are you? https://youtu.be/ZoyLEwBMQdQ
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