The Personal Finance Podcast

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**The Personal Finance Podcast**

Andrew Giancola from Master Money reveals all of his personal finance, money, investing, business strategies, income sources, stock, and real estate investing tips so that you can build more wealth than you ever thought possible. Discover how to increase your income at your job and create multiple passive income streams that work for you, so you have the time and freedom to do what you love. Whether that’s travel, or having freedom from your day job. Since 2013, Andrew has been sharing the wins and losses of his personal finance journey. You will learn how to invest to create wealth in stocks, index funds, real estate, building businesses, and side-hustles. You will learn how to save more money, get a raise, set up simple budgets, build habits, personal growth, and money hacks that will take you to the next level with your finances. Take control of your money so you can live a stress-free, rich life. Anyone can be wealthy, Andrew will show you how. Hit subscribe and get ready to change your life.

Latest Episodes:

The Housing Market Is Rigged (Here's How to Beat It) With David Sidoni May 06, 2026

Show notes

What if the thing keeping you out of the housing market is not the market at all but the advice you have been given?

👉 Join Andrew's ⁠FREE Masterclass The Portfolio Pyramid.⁠

What You'll Learn in This Episode

Why the 20% down payment rule is outdated and what first-time buyers are actually putting down today
The zero down loan options that still exist in 2026 and who actually qualifies for them
Why PMI is not the devil and the real math behind what it actually costs per month
How to stack down payment assistance programs, seller credits, and rate buydowns to dramatically cut your upfront costs
The six-column formula that shows why waiting for the market to crash is costing most buyers more than they realize
How seller concessions work and exactly when to ask for them during the negotiation process
The one housing market stat that matters more than interest rates or home prices

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 → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT ⁠http://www.monarch.com/PFP⁠
Shopify → Sign up for your one-dollar-per-month trial today at ⁠http://shopify.com/pfp⁠
Wayfair → Get 80% OFF on April 25th through the 27th ⁠http://wayfair.com⁠
DeleteMe → 20% off with code PFP ⁠https://joindeleteme.com/PFP20/

Tool/s Mentioned

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

Episode/s Mentioned

Watch Next

Focus on THIS in Retirement (Everything Else is Noise) https://youtu.be/afrCCLz4aJ4
How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU
How to Invest Your First $10K https://youtu.be/GCW1lfujZ2I
The Financial Priorities That Matter Most (By Life Stage) https://youtu.be/h2WFjoekghE
AI Is Coming for Your Job. Here's How to Prepare Financially https://youtu.be/fC86BKAUBxc

Connect with David Sidoni

Instagram - https://www.instagram.com/howtobuyahomepodcast
Website - https://howtobuyahome.com/
TikTok - https://www.tiktok.com/@howtobuyahome
X - https://twitter.com/davidsidoni
LinkedIn - https://www.linkedin.com/in/davidsidoni
YouTube - https://www.youtube.com/@HowToBuyAHome
Apple Podcast - https://podcasts.apple.com/us/podcast/how-to-buy-a-home/id1455257747
Spotify - https://open.spotify.com/show/0vhUO6Sg4XSC1TAZC6Xy7k

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 currently waiting to buy a home or actively trying to get in? Where are you on the home buying journey right now? Just starting, actively saving, under contract, or still on the fence? Drop your stage in the comments and tell us what your next move is.

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

Focus on THIS in Retirement (Everything Else is Noise) May 04, 2026

Show notes

The retirement equation is simpler than most people think. The problem is nobody ever told them which variables they actually get to decide. Here is the framework that fixes that.

👉 Join Andrew's FREE Masterclass The Portfolio Pyramid.

What You'll Learn in This Episode

The JP Morgan Retirement Equation: what you can control, what you cannot, and what falls in between
Why obsessing over market returns and Social Security is a waste of your energy
How to build a cash buffer that reduces sequence of return risk
The health habits that directly predict longevity and why they are a financial decision
The two things you have total control over that determine whether your retirement succeeds
How to store estate planning documents so your family can find everything when it matters
When a reverse mortgage makes sense and what Andrew would consider first

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 → Up to 60% off | MEMORIAL DAY WAREHOUSE CLEAROUT http://www.monarch.com/PFP
Shopify → Sign up for your one-dollar-per-month trial today at http://shopify.com/pfp
Wayfair → Get 80% OFF on April 25th through the 27th http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Tool/s Mentioned

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

Resource/s Mentioned

AnnualCreditReport.com (Free Credit Reports)
NFCC.org (National Foundation for Credit Counseling — Nonprofit Credit Counselor Finder)

Book/s Mentioned

Why We Sleep https://kit.co/MasterMoney/high-performance-book-club/why-we-sleep-unlock
Die With Zero https://kit.co/MasterMoney/high-performance-book-club/die-with-zero-getti

Episode/s Mentioned

The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step) https://youtu.be/AEfhdlB9mcc
The Biggest Retirement Mistakes People Make (Avoid These!) Jesse Cramer https://youtu.be/VxZBGKJVafE

Watch Next

How to Build Your Investment Portfolio (The Portfolio Pyramid!) https://youtu.be/Vn-NXfFWtfU
How to Invest Your First $10K https://youtu.be/GCW1lfujZ2I
The Financial Priorities That Matter Most (By Life Stage) https://youtu.be/h2WFjoekghE
AI Is Coming for Your Job. Here's How to Prepare Financially https://youtu.be/fC86BKAUBxc
How to Reduce Your Car Insurance (And Save Thousands) https://youtu.be/0PPKtvMQ4MA

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:

What is one thing about retirement you have been stressing about that you now realize might be outside your control? Drop it in the comments and let the community help you refocus on what actually matters.

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

How to Build Your Investment Portfolio (The Portfolio Pyramid!) Apr 29, 2026

Show notes

Most new investors start building their portfolio completely backwards. Here is the exact framework to build it the right way from the very first dollar.

👉 Join Andrew's FREE Portfolio Pyramid Masterclass.

What You'll Learn in This Episode

The complete Portfolio Pyramid framework and exactly how much of your money belongs in each of the three tiers
Why the foundation should make up 80% of your portfolio and what happens to your wealth when you skip it
The specific index funds and ETFs that belong in your foundation and why they outperform most professional money managers
What the growth layer is, what goes in it, and the individual stocks Andrew is personally buying right now
When you have actually earned the right to add speculative assets to your portfolio and how much is too much
The biggest mistakes investors make at every tier and how to avoid all of them
Four advanced Q&As covering a guaranteed $99K teacher's pension, lowering taxes on a $1M 401k rollover, Medicare costs in retirement, and protecting your portfolio as you age

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!

👉 Join Andrew’s FREE Investing for Beginners Masterclass.

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

Partner Deals

Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance
Policygenius → Free life insurance quote http://policygenius.com
Acorns → Start investing + get $5 bonus http://acorns.com/pfp
Monarch → 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 → Get 80% OFF on April 25th through the 27th http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Tool/s Mentioned

Resource/s Mentioned

Trust and Will

Episode/s Mentioned

Watch Next

Connect with Andrew

Question for you:

Where are you right now in the Portfolio Pyramid? Are you still building your foundation, starting to add growth layer investments, or have you moved into speculation territory?

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

How to Invest Your First $10K Apr 27, 2026

Show notes

Saving $10,000 is a milestone. Investing it correctly is a life changer. Here is the step-by-step plan to do it right.

👉 Join Andrew's FREE Investing for Beginners Masterclass.

What You'll Learn in This Episode

The seven-step framework for investing your first $10,000 the right way
Why tax-advantaged accounts should always come before a brokerage account and the exact order to fund them
The Portfolio Pyramid strategy that makes choosing investments simple for any new investor
The ten most common mistakes new investors make and how to avoid every single one
Roth 401k versus traditional 401k: how to know which one is right for your situation
Whether your Roth IRA contributions count toward the 50/30/20 rule (the answer might surprise you)
What to do when your employer 401k match comes in as company stock

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!

👉 Join Andrew’s FREE Investing for Beginners Masterclass.

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

Partner Deals

Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Policygenius → Free life insurance quote http://policygenius.com

Acorns → Start investing + get $5 bonus http://acorns.com/pfp

Monarch → 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 → Get 80% OFF on April 25th through the 27th http://wayfair.com

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

Tool/s Mentioned

Compound Interest Calculator

Resource/s Mentioned

Investing For Beginners Masterclass

Episode/s Mentioned

What is the Difference Between Index Funds vs ETFs?

How to Invest in Index Funds (Step-By-Step!)

How I Break Down Index Funds for My Portfolio

The 5 BEST Dividend ETFs to Hold for LIFE

Boost Your Savings Rate to 20%+ in 5 Easy Steps

The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step)

Watch Next

The Financial Priorities That Matter Most (By Life Stage)

AI Is Coming for Your Job. Here's How to Prepare Financially

How to Reduce Your Car Insurance (And Save Thousands)

The $10K, $100K, $1M Milestones That Change Everything

How to Fix Your Finances If You Make $100,000 (and Still Feel Broke)

Connect with Andrew

Question for you:

What has been stopping you from putting your $10,000 to work? Drop it in the comments and let the community help you take the next step.

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

The Financial Priorities That Matter Most (By Life Stage) Apr 22, 2026

Show notes

Single, married, kids, divorced, retired. Every stage of life has a completely different set of financial rules. Here is exactly what to prioritize at every stage of your financial life.

👉 Join Andrew's FREE Investing for Beginners Masterclass.

What You'll Learn in This Episode

The top financial priorities for every life stage from single to retired
Why the DINK years are the highest-leverage financial window a couple will ever have and how most people waste them
What high earners get wrong about income versus wealth and how to close the gap
How to keep building wealth during the most financially stretched years of your life when kids are young
Why funding college before retirement is one of the most common and costly mistakes parents make
What people over 40 who feel behind need to do right now to turn it around
How to rebuild your financial life after divorce or the loss of a spouse

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!

👉 Join Andrew’s FREE Investing for Beginners Masterclass

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

Partner Deals

Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance
Policygenius → Free life insurance quote http://policygenius.com
Acorns → Start investing + get $5 bonus http://acorns.com/pfp
Monarch → 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 → Get 80% OFF on April 25th through the 27th http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Tool/s Mentioned

Retirement Calculator

Episode/s Mentioned

5 Side-Hustles That Can Turn into a Full time Income 1

5 Side-Hustles That Can Turn into a Full time Income 2

5 Side-Hustles That Can Turn into a Full time Income 3

The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step)

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

Watch Next

Connect with Andrew

Question for you:

Which life stage are you in right now and what is the one financial move you know you need to make but have been putting off? Drop it in the comments below.

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

AI Is Coming for Your Job. Here's How to Prepare Financially. Apr 20, 2026

Show notes

What if the biggest financial threat of 2026 is not a recession or a market crash, but a technology that is already quietly replacing people in your industry?

👉 Join Andrew's FREE Investing for Beginners Masterclass

What You'll Learn in This Episode

The exact data behind how many jobs AI is expected to displace by 2030 and which ones are most at risk
How to audit your own job for AI exposure and figure out which zone you are actually in
The five financial steps to take right now so a job disruption never becomes a financial emergency
How to become the go-to AI person in your company before someone else does
Which jobs are the safest and which ones need to act immediately
The free certifications and courses you can start today to get ahead of this shift
The AI tools Andrew actually uses every day and the exact use cases for each one

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!

👉 Join Andrew’s FREE Investing for Beginners Masterclass

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

Partner Deals

Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Policygenius → Free life insurance quote http://policygenius.com

Acorns → Start investing + get $5 bonus http://acorns.com/pfp

Monarch → 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 → Get 80% OFF on April 25th through the 27th http://wayfair.com

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

Tool/s Mentioned

Episode/s Mentioned

The 1-3-6 Method For Building & Managing Your Emergency Fund

AI Revolutionizing How You Handle Money -- What You Need to Know Now!

You Won't Believe What A.I. is Doing to Turn Average Investors into Millionaires!

Watch Next

How to Reduce Your Car Insurance (And Save Thousands)

The 3 Major Financial Milestones (This Will Change Your Life)

How to Fix Your Finances If You Make $100,000 (and Still Feel Broke)

How to Plan Your Retirement (By Age!)

10 Reasons Smart People Are Bad With Money

Connect with Andrew

Question for you:

Are you the AI champion at your company yet or are you still on the sidelines? Comment below and see who else are AI champions.

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

How to Reduce Your Car Insurance (And Save Thousands) Apr 15, 2026

Show notes

Car insurance premiums are up 30% and most people have no idea they have the power to push back. This episode gives you that power in 10 steps.

👉 Join Andrew's FREE Investing for Beginners Masterclass.

What You'll Learn in This Episode

The 10-step process to slash your car insurance bill starting today
Why shopping your policy at renewal time is the single highest-leverage move you can make
The 10-step framework to cut your premium without sacrificing the coverage you actually need
The discounts your insurance company will never volunteer unless you ask
When to drop comprehensive and collision coverage on an older vehicle
How a modest $200 per year savings can grow into $88,000 over 40 years when invested
How your credit score directly affects what you pay for car insurance
Three listener money questions answered live, including how to handle a 40% RSU concentration and whether a 20-year-old should invest or pay off student loans first

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!

👉 Join Andrew’s FREE Investing for Beginners Masterclass

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

Partner Deals

Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Policygenius → Free life insurance quote http://policygenius.com

Acorns → Start investing + get $5 bonus http://acorns.com/pfp

Monarch → 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 → Get 80% OFF on April 25th through the 27th http://wayfair.com

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

Resource/s Mentioned

Car Insurance

How to Pay Off Your Student Loans Fast

Tool/s Mentioned

Rental Property Calculator

Episode/s Mentioned

How to Master Your Student Loans with Robert Farrington

Watch Next

The 3 Major Financial Milestones (This Will Change Your Life)

How to Fix Your Finances If You Make $100,000 (and Still Feel Broke)

How to Plan Your Retirement (By Age!)

10 Reasons Smart People Are Bad With Money

The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step)

Connect with Andrew

Question for you:

Agree or disagree: Most people are overpaying for car insurance and do not even know it. Tell us why in the comments.

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

The 3 Major Financial Milestones (This Will Change Your Life) Apr 13, 2026

Show notes

$10,000. $100,000. $1,000,000. Three numbers. Three moments where your entire financial life shifts. Here is what to do at each one.

👉 Join Andrew's FREE Investing for Beginners Masterclass.

What You'll Learn in This Episode

The three financial milestones that fundamentally change how money works for you
Why your first $100,000 is the hardest and what to do to get there faster
The markers in between each milestone that keep you motivated during the grind
Why your savings rate matters more than your investment returns in the early years
The exact math behind compound interest and why getting started early changes everything
Three real scenarios showing how long it takes to hit $1 million starting at different ages and income levels
The biggest mistakes people make at each milestone and how to avoid every single one

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!

👉 Join Andrew’s FREE Investing for Beginners Masterclass.

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

Partner Deals

Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance

Policygenius → Free life insurance quote http://policygenius.com

Acorns → Start investing + get $5 bonus http://acorns.com/pfp

Monarch → 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 → Get 80% OFF on April 25th through the 27th http://wayfair.com

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

Tool/s Mentioned

Episode/s Mentioned

The 1-3-6 Method For Building & Managing Your Emergency Fund

Watch Next

Connect with Andrew

Question for you:

Which milestone are you working toward right now? Drop it in the comments below and tell us the one thing you are doing this month to get there faster.

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

How to Fix Your Finances If You Make $100,000 (and Still Feel Broke) Apr 08, 2026

Show notes

You make six figures. You should feel ahead. So why does it still feel like you're barely getting by?

👉 Join Andrew's FREE Investing for Beginners Masterclass.

What You'll Learn in This Episode

Why 44% of people earning over $100,000 still live paycheck to paycheck and what to do about it
How to run an honest income versus outflow audit in under an hour
The Block Method: a four-part budgeting framework that actually works for high earners
How to identify your "broke tax" and stop quietly bleeding money every month
Why your car and your house are probably the real problem, not your lattes
The exact order to fund your accounts so your money starts working for you automatically
How to set a 12-month net worth target and finally measure what actually matters

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!

👉 Join Andrew’s FREE Investing for Beginners Masterclass

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

Partner Deals

Indeed → Get a $75 sponsored job credit http://Indeed.com/personalfinance
Policygenius → Free life insurance quote http://policygenius.com
Acorns → Start investing + get $5 bonus http://acorns.com/pfp
Monarch → 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 → Get 80% OFF on April 25th through the 27th http://wayfair.com
DeleteMe → 20% off with code PFP https://joindeleteme.com/PFP20/

Tool/s Mentioned

Automate Your Money Checklist

Episode/s Mentioned

Watch Next

Connect with Andrew

Question for you:

After hearing the Block Method today, which of the four blocks is most out of whack for you right now: Fixed, Foundation, Lifestyle, or Future You? Drop it in the comments.

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

How to Plan Your Retirement (By Age!) Apr 06, 2026

Show notes

Retirement is not an age. It is a number. However, most people have no idea what their retirement number actually is. What if you could calculate it clearly and know exactly where you stand every year? Andrew will walk you through the complete process of finding that number, adjusting it every year, and taking the right steps at every stage of life to hit it in this episode.

👉 Free retirement calculator to find your retirement number! Here

What You'll Learn in This Episode