The Personal Finance Podcast

Latest Episodes:

The Best and Worst Frugal Habits (Ranked!) Jul 06, 2026

Show notes

Most people think being frugal means cutting every expense. The truth is, some frugal habits build wealth while others actually keep you poor.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode

The difference between being frugal and simply being cheap
Which everyday habits actually move the needle on your net worth
Why your time is often worth more than saving a few dollars
The highest ROI frugal habits that can save you thousands every year
How to spend more on the things you truly value while cutting back elsewhere
Which "money-saving" habits are secretly wasting your time and energy
Andrew's S-Tier, A-Tier, B-Tier, C-Tier, D-Tier, and F-Tier rankings for 27 popular frugal habits

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
Policygenius → Free life insurance quote http://policygenius.com
Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Resource/s Mentioned

Favorite Credit Cards https://milevalue.com/best-credit-cards/?aff=mastermoney#favorites
Car Insurance Comparison https://secure.money.com/pr/gc43ce394da5

Book/s Mentioned

Early Retirement Extreme
Think and Grow Rich by Napoleon Hill

Episode/s Mentioned

How to Negotiate Your Bills (and SAVE 6-Figures!) https://youtu.be/bgIcmuK7FK8
Why You Should Negotiate Every Bill With Nicole Lapin https://mastermoney.co/the-personal-finance/why-you-should-negotiate-every-bill-with-nicole-lapin/
How to Negotiate Your Rent Like A Pro (and win the negotiation!) https://mastermoney.co/the-personal-finance/how-to-negotiate-your-rent-like-a-pro-and-win-the-negotiation/

Watch Next

She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) https://youtu.be/wBACCFI2w5s
How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) https://youtu.be/Z10g-yd76nk
How to Retire in 10 Years or Less! https://youtu.be/nStwD03vJ64
The Hidden Cost of Playing It Safe with Your Money with Ben Carlson https://youtu.be/LG1Jr2xeuDo
The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY

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 frugal habit has made the biggest difference in your finances and which one do you think is a complete waste of time?

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

She Hit Rock Bottom and Still Built a Six-Figure Life. Here's How. (With Rebecca Whitman) Jul 01, 2026

Show notes

Two life-altering losses in one week. One record-breaking fiscal year. Here is what she did differently while everything else was falling apart.

👉 Join Andrew’s FREE Investing for Beginner’s Masterclass: https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

What You'll Learn in This Episode

The seven pillars of abundance and why financial success collapses when the others are ignored
Why high achievers who look successful are often secretly burned out and broke in ways that never show up on paper
The real reason most side hustles never turn into meaningful income
How to know when you have enough financial security to leave your job for your side hustle
Why coming from contribution instead of desperation completely changes your business outcomes
The mindset shift that helped Rebecca build her best fiscal year ever the same week she lost her father and finalized her divorce
What the personal finance world gets wrong about budgeting and why it backfires for most people

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
Policygenius → Free life insurance quote http://policygenius.com
Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
Scribe → Sign up for a 30-day risk-free trial ⁠⁠http://www.scribe.how/pfp ⁠
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Book/s Mentioned

The Four Agreements by Don Miguel Ruiz

Watch Next

How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) https://youtu.be/Z10g-yd76nk
How to Retire in 10 Years or Less! https://youtu.be/nStwD03vJ64
The Hidden Cost of Playing It Safe with Your Money with Ben Carlson https://youtu.be/LG1Jr2xeuDo
The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY
The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4

Connect with Rebecca

Website: https://rebeccawhitman.com/
Facebook: https://www.facebook.com/rebecca.whitman
Instagram: https://www.instagram.com/rebeccaewhitman/
X: https://x.com/RebeccaEWhitman
LinkedIn: https://www.linkedin.com/in/rebeccaewhitman/
YouTube: https://www.youtube.com/@rebeccaewhitman

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 chased money thinking it would fix everything else in your life? Drop what happened and what you learned in the comments below.

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

How do Your Finances Compare by Age?! (Salary, Debt, Net Worth, Credit, Home) Jun 29, 2026

Show notes

Most people are either ahead or behind financially for their age and have no idea which one.

Here are the real numbers by decade so you can find out right now.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24

What You'll Learn in This Episode

The real median salary, net worth, credit score, and debt for every decade from your 20s through your 50s
Why the median net worth numbers are low across every age group and what wealth builders do differently
The one tip Andrew gives for salary, debt, net worth, credit, and home ownership in each decade
What it takes to be in the top 10% and top 1% of net worth at every age
Why your 40s are your highest earning years and the one mistake that wastes them
When it is actually okay to loosen up and start spending more of your money
Why a 19-year-old with $25K invested does not need to touch anything or overcomplicate it

Start Here

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

👉 Try Master Money Academy FREE for 7 days today! https://mastermoney.co/join/

👉 Join Andrew’s FREE Investing for Beginners Masterclass https://event.webinarjam.com/q05p7/register/0o8z9io?webinar_id=21

👉 Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! https://expert-hustler-605.ck.page/6aa7bb9a79

Partner Deals

Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance
Policygenius → Free life insurance quote http://policygenius.com
Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp
Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Tool/s Mentioned

Wealth Builder Matrix - https://mastermoney.co/wealth-builders-matrix/
Live Q&A Call Form - https://docs.google.com/forms/d/e/1FAIpQLSeqIw5xncfn5tZbGG_U22iZ3BUmyHe9fPvBQaC1vW_x1D7bJA/viewform

Episode/s Mentioned

How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU

Watch Next

How to Retire in 10 Years or Less! https://youtu.be/nStwD03vJ64
The Hidden Cost of Playing It Safe with Your Money with Ben Carlson https://youtu.be/LG1Jr2xeuDo
The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY
The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4
Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo

Connect with Andrew

Instagram → https://bit.ly/Skool-Instagram
TikTok → https://bit.ly/Skool-TikTok
Facebook → https://bit.ly/Skool-Facebook
Podcast → https://bit.ly/Skool-Podcast
Youtube → bit.ly/Skool-Youtube
Newsletter → https://bit.ly/Skool-Newsletter
Website →⁠ https://mastermoney.co ⁠
X → ⁠https://x.com/mastermoneyco
LinkedIn →⁠ ⁠⁠https://www.linkedin.com/in/andrew-giancola-45027b340

Question for you:

How do your finances compare to the median for your age right now? Drop your decade and the one area you are most focused on improving in the comments below.

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

How to Retire in 10 Years or Less! Jun 24, 2026

Show notes

Every financial decision you make either moves your retirement closer or pushes it further away. Here is the exact math and plan to retire in 10 years or less.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24

What You'll Learn in This Episode

Why your savings rate is the single most important number if you want to retire early
The exact savings rate you need to retire in 10 years and what happens at every percentage below it
How to attack the big three expenses that are standing between you and financial freedom
Where to invest your money when you want to access it before age 59 and a half
A real case study of how Marcus and Priya retired at 39 on a combined $150K income
Why Barista FIRE and Coast FIRE might be better options than you think
The one thing most early retirees get wrong that leads to boredom and regret

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
Policygenius → Free life insurance quote http://policygenius.com
Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp
Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Tool/s Mentioned

The Retirement Calculator - https://expert-hustler-605.kit.com/e6b8d4f8a2

Book/s Mentioned

Set for Life by Scott Trench
Die With Zero by Bill Perkins
Books on Sabbaticals Jillian Johnsrud

Episode/s Mentioned

Why Live-In-Flips May Be the Best Way to Invest in Real Estate with Carl and Mindy Jensen https://mastermoney.co/the-personal-finance/why-live-in-flips-may-be-the-best-way-to-invest-in-real-estate-with-carl-and-mindy-jensen/
How to RETIRE BY 30! (With Cody Berman) https://youtu.be/ffKv6M69SRI
He Achieved Financial Independence in 2 Years! (Here's How!) With Justin David Carl https://youtu.be/DRHNfi3gBxk
This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA
How to Shave Off 7+ Working Years and Retire Early! https://youtu.be/9oZFn2lmZm4

Watch Next

The Hidden Cost of Playing It Safe with Your Money with Ben Carlson https://youtu.be/LG1Jr2xeuDo
The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY
The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4
Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo
Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0

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 savings rate and how many years does the math say you have left until financial freedom? Drop your number in the comments and let the community help you figure out your next move.

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

The Hidden Cost of Playing It Safe with Your Money with Ben Carlson Jun 22, 2026

Show notes

The biggest investing mistake isn't losing money, it's never giving your money the chance to grow.

Ben Carlson joins Andrew to reveal the hidden cost of playing it safe, why volatility isn't the enemy, and how investors quietly sabotage their long-term wealth without realizing it.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24

What You'll Learn in This Episode

Why the biggest risk for most investors is actually being too conservative
How market volatility creates long-term wealth opportunities
The hidden cost of waiting for the "perfect" time to invest
Why diversification is still one of the most powerful risk-management tools
How to think about risk differently in your 30s, 40s, and 50s
The investing mistake that can permanently damage your wealth-building journey
Why investor behavior matters more than finding the perfect portfolio
How to build a strategy you can actually stick with through market downturns
Lessons from the Great Depression, the Dot-Com Bubble, and today's AI boom
Why "good enough" is often better than chasing the perfect investment plan

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
Policygenius → Free life insurance quote http://policygenius.com
Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp
Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Watch Next

The Patient Investor's Playbook with Noah Kerner - CEO of Acorns https://youtu.be/l5YZy2q_aVY
The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4
Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo
Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0
This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA

Connect with Ben Carlson

Website → https://awealthofcommonsense.com/about-2/
LinkedIn → https://www.linkedin.com/in/ben-carlson-cfa-97661244
X → https://x.com/awealthofcs
Ritholtz → https://www.ritholtzwealth.com/team/ben-carlson-cfa/
YouTube → https://www.youtube.com/⁨@TheCompoundNews
Apple Podcast → https://podcasts.apple.com/us/podcast/animal-spirits-podcast/id1310192007
Book Risk and Reward⁩ → https://awealthofcommonsense.com/2026/05/my-new-book-risk-reward/

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 do you think is the bigger investing mistake: taking too much risk or not taking enough risk? Let us know in the comments below.

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

The Patient Investor's Playbook with Noah Kerner - CEO of Acorns Jun 17, 2026

Show notes

The CEO of Acorns says 96% of people who trade online lose money. Here is why slow and steady is still the only investing strategy that actually works.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24

What You'll Learn in This Episode

The eight disturbing fintech trends that are quietly working against your wealth
Why an investing app with a prediction market is like a bank with a blackjack table
How $5 a day invested consistently can make you a millionaire over time
Why the best investor according to research is literally a dead one
Why holding cash is not safe and what most people get dangerously wrong about it
How Noah Kerner personally invests his own money and why it is boring on purpose
The one decade Noah lost to being too conservative and what it cost him in real dollars

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
Policygenius → Free life insurance quote http://policygenius.com
Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp
Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Episode/s Mentioned

Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo
This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA

Watch Next

The Best Ages to Build Wealth (Ranked!) https://youtu.be/JIZ1WrS91v4
Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo
Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0
This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA
The Insurance Crisis Nobody Is Talking About (With Bob Litterman) https://youtu.be/gBuIOQKQgFM

Connect with Noah Kerner

Personal:

LinkedIn: https://www.linkedin.com/in/noahkerner/

Acorns

Website: https://acorns.com
LinkedIn: https://www.linkedin.com/company/acorns-grow-inc-/

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 investing the slow and steady way or have you been pulled into trading, prediction markets, or crypto? Drop your honest answer in the comments below.

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

The Best Ages to Build Wealth (Ranked!) Jun 15, 2026

Show notes

The decade you are in right now is either working for you or against you. Here is how every age stacks up for building wealth ranked from best to worst.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24

What You'll Learn in This Episode

Why your 20s are S tier for wealth building and the six things that make or break this decade
The reason your 30s might be the most financially stressful decade you will ever live through
Why peak earnings and peak expenses often hit at the exact same time in your 40s
How catch-up contributions in your 50s can quietly make up for lost decades
The one Roth conversion window in your 60s that could save you six figures in lifetime taxes
Why Andrew ranks the 60s as D tier for building wealth and what to do if you are just getting started
The exact tier list ranking of every decade from your 20s through your 60s

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
Policygenius → Free life insurance quote http://policygenius.com
Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp
Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Book/s Mentioned

Die With Zero by Bill Perkins

Episode/s Mentioned

This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA

Watch Next

Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) https://youtu.be/e8r5h7RkOyo
Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0
This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA
The Insurance Crisis Nobody Is Talking About (With Bob Litterman) https://youtu.be/gBuIOQKQgFM
He Lost $50 Million In Real Estate Then Got Rich Again (With Rod Khleif) https://youtu.be/rKuN2ZcUYWQ

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 in your best wealth building decade right now or did you let it slip by? Drop where you are and what you are doing about it in the comments.

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

Should You Buy Into IPOs (SpaceX, Anthropic, or Open AI) Jun 12, 2026

Show notes

SpaceX. Anthropic. OpenAI. Everyone is talking about investing in these IPOs. Here is what Warren Buffett would say and what you need to know before you touch any of them.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24

What You'll Learn in This Episode

What an IPO actually is and why the seller always has the advantage over the buyer
Why most retail investors never get the real IPO price and end up buying the hype instead
The two mechanics every investor must understand before touching any IPO
Why Warren Buffett has not bought a single IPO in 54 years and what that means for you
When SpaceX, Anthropic, and OpenAI will actually show up in your index funds automatically
The four questions to ask yourself before investing in any IPO
Why buying an index fund might be the smarter play than chasing the IPO hype

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

DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Watch Next

Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? https://youtu.be/GYtfRluCfv0
This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA
The Insurance Crisis Nobody Is Talking About (With Bob Litterman) https://youtu.be/gBuIOQKQgFM
He Lost $50 Million In Real Estate Then Got Rich Again (With Rod Khleif) https://youtu.be/rKuN2ZcUYWQ
How to Become a Stealth Wealth Millionaire (With JC Rodriguez) https://youtu.be/Y83BTQONiJc

Connect with Andrew

Instagram → https://instagram.com/mastermoneyco
Website → https://mastermoney.co
TikTok → https://tiktok.com/@mastermoneyco
X → https://x.com/mastermoneyco
LinkedIn → https://www.linkedin.com/in/andrew-giancola-45027b340
YouTube → https://www.youtube.com/@mastermoneyco/

Question for you:

Are you planning to invest in SpaceX, Anthropic, or OpenAI when they go public or are you letting your index fund handle it? Drop your strategy in the comments below.

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

Is the S&P 500 Overweighted? Becoming an Accidental Landlord? Can We Retire Early and Move to Japan? (Money Q&A) Jun 10, 2026

Show notes

Overweighted S&P 500. Accidental landlords. Early retirement in Japan.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24

What You'll Learn in This Episode

Whether the S&P 500 is actually diversified when 39% sits in just 10 stocks
A Vanguard phishing scam that almost fooled Andrew's own wife and how to spot it
How a 33-year-old with $800K invested can move to Japan and still retire wealthy
Why a cash flow negative rental property is a liability no matter what the appreciation looks like
How to factor a military pension into a retirement plan and whether a spouse even needs to work
Why an 18-year-old with $20K invested could have $2.3 million without adding another dollar
How to build a retirement plan around a future teacher's pension when you are just getting started

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
Policygenius → Free life insurance quote http://policygenius.com
Chime → Get more rewarding fee-free banking at https://www.chime.com/PFP
Monarch Money → The all-in-one financial tool + Get 50% Off at http://www.monarch.com/PFP
Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp
Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Tool/s Mentioned

The Retirement Calculator https://expert-hustler-605.kit.com/e6b8d4f8a2
Compound Interest Calculator https://expert-hustler-605.kit.com/aefaaad27e

Book/s Mentioned

Die With Zero by Bill Perkins

Watch Next

This is THE BIGGEST RISK to Your Retirement Portfolio https://youtu.be/7gXKEy66-bA
The Insurance Crisis Nobody Is Talking About (With Bob Litterman) https://youtu.be/gBuIOQKQgFM
He Lost $50 Million In Real Estate Then Got Rich Again (With Rod Khleif) https://youtu.be/rKuN2ZcUYWQ
How to Become a Stealth Wealth Millionaire (With JC Rodriguez) https://youtu.be/Y83BTQONiJc
High Income Tax Strategies, Selling a House to Invest in the S&P 500, and Converting $100K to a Roth IRA (Money Q&A) https://youtu.be/NR-LlTqb7Cs

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 three situations sounds most like yours right now: overconcentrated portfolio, accidental landlord, or dreaming of retiring somewhere else? Drop it in the comments.

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

This is THE BIGGEST RISK to Your Retirement Portfolio Jun 08, 2026

Show notes

Two retirees. Same portfolio. Same returns. One ran out of money at 87. The only difference was when the bad years hit. Here is how to make sure you are not the unlucky one.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid: ⁠https://event.webinarjam.com/q05p7/register/q05p7b65?webinar_id=24⁠

What You'll Learn in This Episode

What sequence of returns risk is and why it can permanently destroy a retirement portfolio in the first three years
Why two people with identical portfolios and identical returns can end up with a $700,000 difference by year three
The cash buffer strategy that shields your portfolio from early retirement market crashes
How bond tenting works and why the smartest retirement researchers say to do the opposite of what most people think
The dynamic withdrawal strategy that lets you spend more in good years and protect your portfolio in bad ones
How to build a guaranteed income floor so market crashes never threaten your non-negotiable expenses
Why flexibility in your first few retirement years is the most powerful weapon you have against sequence risk

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
Policygenius → Free life insurance quote ⁠http://policygenius.com⁠
Chime → Get more rewarding fee-free banking at ⁠https://www.chime.com/PFP⁠
Monarch Money → The all-in-one financial tool + Get 50% Off at ⁠http://www.monarch.com/PFP⁠
Shopify → Sign up for your one-dollar-per-month trial today at ⁠http://shopify.com/pfp⁠
Wayfair → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT ⁠http://wayfair.com⁠
DeleteMe → 20% off with code PFP ⁠https://joindeleteme.com/PFP20/⁠

Tool/s Mentioned

Andrew's Favorite High-Yield Savings Accounts ⁠https://secure.money.com/pr/r453ecf4d190⁠

Episode/s Mentioned

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

Watch Next

The Insurance Crisis Nobody Is Talking About (With Bob Litterman) ⁠https://youtu.be/gBuIOQKQgFM⁠
He Lost $50 Million In Real Estate Then Got Rich Again (With Rod Khleif) ⁠https://youtu.be/rKuN2ZcUYWQ⁠
How to Become a Stealth Wealth Millionaire (With JC Rodriguez) ⁠https://youtu.be/Y83BTQONiJc⁠
High Income Tax Strategies, Selling a House to Invest in the S&P 500, and Converting $100K to a Roth IRA (Money Q&A) ⁠https://youtu.be/NR-LlTqb7Cs⁠
How to Shave Off 7+ Working Years and Retire Early! ⁠https://youtu.be/9oZFn2lmZm4⁠

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 planning for sequence of returns risk in your retirement plan right now or is this the first time you are hearing about it? Drop where you are in the comments and tell us which strategy you are going to implement first.

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