The Personal Finance Podcast

Latest Episodes:

The Financial Framework That Can Change Your Life With Paula Pant Dec 17, 2025

Show notes

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today!

In this episode of The Personal Finance Podcast, Andrew sits down with Paula Pant to break down her Double-I FIIRE framework covering financial psychology, increasing income, investing, real estate, and entrepreneurship. They explore why mindset is the first domino, the most overlooked paths to higher income, which investing concepts matter most, the reality of real estate investing today, why entrepreneurship is the highest-upside wealth builder, plus rapid-fire insights on money beliefs to unlearn and common financial psychology traps.

Listen to The Business Show here.

Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
Policy Genius: Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less
Plaud AI https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don’t have to take notes and make summaries anymore.
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Link of the Episode Mentioned:

7 Mindset Shifts to Master Your Money Psychology

Connect with Paula Pant:

Afford Anything Podcast Website https://affordanything.com/
Spotify https://open.spotify.com/show/5W8zGpHrklp57raNMnu9iP
Apple Podcast https://podcasts.apple.com/us/podcast/afford-anything/id1079598542
Youtube https://www.youtube.com/affordanything
Instagram https://www.instagram.com/paulapant
Facebook https://www.facebook.com/AffordAnything/
X https://x.com/AffordAnything
Pinterest https://www.pinterest.com/affordanything/

Connect With Andrew on Social Media:

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

He Achieved Financial Independence in 2 Years! (Here's How!) With Justin David Carl Dec 15, 2025

Show notes

Join the community built to help you master your money, stay accountable, and reach financial freedom.

👉 Join Master Money Academy today!

In this episode of The Personal Finance Podcast, Andrew sits down with Justin David Carl to reveal how he went from $80,000 in debt to a $3.4 million net worth in just over two years. Justin shares how he optimized the big three expenses, grew his income from $150K to $888K per year, saved 80-90% of his income, got his wife on board with FI, and applies the same obsessive discipline to fitness, maintaining 8-10% body fat for over a decade and shifting from maximizing net worth to maximizing his "net life."

Listen to The Business Show here.

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
Policy Genius: Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Connect with Justin David Carl:

Connect With Andrew on Social Media:

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

How to Do a Net Worth Audit (And Why It’ll Motivate You) Dec 10, 2025

Show notes

Get Your Networth Audit Checklist here.

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today!

In this episode of The Personal Finance Podcast, Andrew reveals why tracking your net worth is more powerful than budgeting and shows you exactly how to perform a net worth audit step-by-step. He breaks down what to include and exclude in your calculation, common mistakes people make, why tracking this one number automatically makes you better with money, and the seven high-leverage actions you can take over the next 12 months to grow your net worth faster than ever before.

Listen to The Business Show here.

Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.
Policy Genius: Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Resources Mentioned

Connect With Andrew on Social Media:

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

How Millions Retire With Nothing in Savings Dec 08, 2025

Show notes

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join ⁠Master Money Academy⁠ today!

In this episode of The Personal Finance Podcast, Andrew reveals how millions of Americans retire with far less than $1 million—the median retiree age 65-74 has only $200,000 saved and 40% live solely on Social Security. He breaks down how people make it work by relying on Social Security, paid-off homes, modest spending, and part-time work, exposes the hidden costs of "barely getting by" retirement, and shares a practical gameplan if you're behind so you can aim higher than just survival.

Listen to The Business Show ⁠here⁠.

Join ⁠The Master Money Newsletter⁠ where you will become smarter with your money in 5 minutes or less per week Here!

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at ⁠Indeed.com/personalfinance⁠
Get 50% Off Monarch, the all-in-one financial tool at ⁠www.monarch.com/PFP⁠
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at ⁠chime.com/⁠
DELL: Get a new Dell AI PC starting at $749.99, at ⁠Dell.com/ai-pc⁠.
Policy Genius: Go to ⁠policygenius.com⁠ to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at ⁠shopify.com/pfp⁠
Wayfair: ⁠Shop outdoor furniture, grills, lawn games, and WAY more for WAY less⁠
DeleteMe: Go to⁠ https://joindeleteme.com/PFP20/⁠ and Use Promo Code PFP for 20% off!
Plaud AI https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don’t have to take notes and make summaries anymore.

Resources Mentioned

⁠The Total Cost of Ownership Calculator⁠

Links of the Episode Mentioned:

Connect With Andrew on Social Media:

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

Buying a House VS. Investing In the S&P 500 (Which Is Better?) Dec 03, 2025

Show notes

Join the community built to help you master your money, stay accountable, and reach financial freedom.

👉 Join Master Money Academy today!

In this episode of The Personal Finance Podcast, Andrew reveals the shocking truth that while homes increased 400% since 1970, the S&P 500 returned 7,000% in the same period. He breaks down three full case studies showing the real total cost of ownership including property taxes, maintenance, insurance, and opportunity cost, plus when buying still makes sense and how to calculate your total cost of ownership.

Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here!

Listen to The Business Show here.

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Get 50% Off Monarch, the all-in-one financial tool at www.monarch.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.
Policy Genius: Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Resources Mentioned

Connect With Andrew on Social Media:

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

The Ultimate Year End Money Checklist (2025 Edition) Dec 01, 2025

Show notes

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy $19 for the first month.

Get The Ultimate Year End Money Checklist here.

In this episode of The Personal Finance Podcast, reset your financial life in just 15 minutes with the ultimate year-end money checklist for 2025. Andrew breaks down 10 practical phases to save money instantly with quick wins, automate your money system, review spending and savings, update your net worth, optimize investments and retirement contributions, use tax strategies that reduce your bill, clean up credit and debt, audit insurance protection, update estate planning essentials, and set your money goals for next year.

Listen to The Business Show here.

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Get 50% Off Monarch Money, the all-in-one financial tool at www.monarch.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.
Policy Genius: Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Resources Mentioned

Get the Free Automate Your Money Checklist here https://courses.mastermoney.co/automate-your-money-checklist
Empower (PC) https://fxo.co/FBdJ

Links of the Episodes Mentioned:

How to Pay Off $10,000 in Credit Card Debt in Less Than 1 Year https://bit.ly/48rYfUK
How to Protect Your Finances Online (Right Now!) https://bit.ly/48C3MsM
The 6 Numbers You Must Know to Build Wealth (The Financial Scorecard) https://bit.ly/4inFIgM
The Ultimate Guide to Becoming an Employer Match Millionaire (FREE MONEY) https://bit.ly/43SFEzI
The 1-3-6 Method For Building & Managing Your Emergency Fund https://bit.ly/3XSWLOb
How to Create a Bulletproof Wealth Protection Plan https://bit.ly/4pA4LQ3

Connect With Andrew on Social Media:

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

How to Automate Your Finances (Money on Autopilot!) Nov 26, 2025

Show notes

Get the Free Automation Checklist⁠ here.

Join the community built to help you master your money, stay accountable, and reach financial freedom.

👉 Join Master Money Academy today!

In this episode of The Personal Finance Podcast, Andrew reveals how to automate your entire financial life so your money works for you while you live your life. He shares practical steps to build your flow-through account, automate your wealth and bills, create a spending plan using the 20-55-25 rule, build safety nets with emergency funds, and run a simple 10-minute monthly review.

Listen to The Business Show here.

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP
Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.
Policy Genius: Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Links of he Episodes Mentioned

Connect With Andrew on Social Media:

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

How Much Is in Retirement Accounts (By Generation!) + Money Q&A Nov 24, 2025

Show notes

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today!

In this episode of The Personal Finance Podcast, Andrew breaks down the average retirement savings for Gen Z, Millennials, Gen X, and Boomers using Fidelity's data, which will cover where each generation stands today, why compounding matters most for younger savers, how to catch up if you're behind, whether to slow down student loan payments to max your Roth IRA, if you should switch brokerages for fractional shares, and practical strategies for buying your first out-of-state rental property.

Listen to The Business Show here.

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP
Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.
Policy Genius: Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Resources Mentioned

Connect With Andrew on Social Media:

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

Money Expert Reacts to INSANE Reddit Finance Posts (AITA) Nov 19, 2025

Show notes

Join the community built to help you master your money, stay accountable, and reach financial freedom. 👉 Join Master Money Academy today!

In this episode of The Personal Finance Podcast, Andrew and his wife Irene dive into crazy Reddit AITA stories answering questions about wild money situations in relationships—from the boyfriend who demanded a luxury car after learning his girlfriend won lottery money, to the manipulative partner who won't pay back $700 he borrowed, the boyfriend who guilts his girlfriend for not bailing out his $1,600 tax bill, the spouse who ignores birthday gift boundaries, parents setting college funding limits, and the woman whose in-laws demand she quit her $170K job but won't provide financial protection—breaking down the psychology, power dynamics, and red flags in each story to help you spot toxic money situations in your own relationships.

Listen to The Business Show here.

Partner Deals

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP
Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.
Policy Genius: Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Wayfair: Shop outdoor furniture, grills, lawn games, and WAY more for WAY less

DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Connect With Andrew on Social Media:

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

Why Travel Rewards Might Not Be Worth It Anymore With Chris Hutchins Nov 17, 2025

Show notes

👉 Join Master Money Academy today!

In this episode of The Personal Finance Podcast, Andrew talks withChris Hutchins—host of All The Hacks and one of the smartest people in the travel rewards world, to answer the burning question: Is travel hacking still worth it as credit card annual fees skyrocket and loyalty programs devalue points left and right, breaking down Chase versus Amex strategies, the rise of cashback alternatives, how to build a smart travel rewards plan for that dream trip you've been planning, revealing advanced tactics and underrated transfer partners that most people don't even realize exist, plus sharing some of the funniest and most ridiculous stories from the world of points and miles, helping you separate signal from noise and squeeze insane value out of rewards programs even as the game continues to evolve.

How Andrew Can Help You:

Listen to The Business Show here.
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Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast

DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance
Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP
Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn’t affect your credit score. Get started at chime.com/
Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote.
Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at shopify.com/pfp
Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Connect with Chris Hutchins:

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