The Personal Finance Podcast

Latest Episodes:

10 Reasons Smart People Are Bad With Money Apr 01, 2026

Show notes

Most high earners are shocked to discover that intelligence can actually work against you when it comes to building wealth. What if the same traits that made you successful in your career are quietly destroying your finances?

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

What You’ll Learn in This Episode

In this episode of The Personal Finance Podcast, Andrew breaks down exactly why smart, high-earning people often struggle to build wealth and what to do about it:

Why overthinking every financial decision costs more in lost compounding than most people realize

How confusing a big income with financial intelligence quietly destroys net worth over time

Why smart people are the best in the world at rationalizing bad spending decisions

How lifestyle creep invisibly consumes every raise before it ever reaches an investment account

Why overconfidence leads to costly bets that consistently underperform a simple index fund

How optimizing for income instead of net worth means you are measuring the wrong scoreboard entirely

Why complexity is almost always just a defense mechanism smart people use to avoid the simple actions that build real wealth

Start Here

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

Join the Master Money Academy https://mastermoney.co/join/

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Book/s:

Thinking, Fast and Slow - Daniel Kahneman https://kit.co/MasterMoney/high-performance-book-club/thinking-fast-and-s

The Million Next Door – Thomas J. Stanley https://kit.co/MasterMoney/best-personal-finance-books/the-millionaire-next

Rich Dad, Poor Dad - Robert T. Kiyosaki https://kit.co/MasterMoney/best-personal-finance-books/rich-dad-poor-dad

Watch Next

The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step) https://youtu.be/AEfhdlB9mcc

How to Invest in Real Estate (In ANY MARKET!) https://youtu.be/JDyHw5So_9Y

The Best Financial Strategies (BY INCOME!) https://youtu.be/YBhe6dtYU-Q

Why Health is Wealth with Justin David Carl https://youtu.be/s2XOzKSW7W0

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

Connect with Andrew

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The Money Plan for Couples: How to Build Wealth as a Team (Step-by-Step) Mar 30, 2026

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 exactly how to manage money as a couple and build wealth together, covering why you should never start with spreadsheets and always begin with the dream first, how to calculate the freedom number that makes work optional for both of you, why automating savings and investments removes money fights before they start, how defining personal freedom spending eliminates 90 percent of financial arguments, and why a simple monthly money meeting is all it takes to keep two people fully aligned on the path to financial independence.

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

Partner Deals

Join the loyalty program for renters at joinbilt.com/PFP
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Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Resources:

Courses:

Automate Your Entire Money System in One Weekend

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The Biggest Retirement Mistakes People Make (Avoid These!) Jesse Cramer Mar 28, 2026

Show notes

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!

In this episode of The Personal Finance Podcast, Andrew sits down with Jesse to explore critical retirement planning decisions—why Social Security isn't just a math problem and the biggest mistakes people make when claiming, when delaying benefits makes sense versus when claiming earlier is smarter, how married couples should think differently than singles, why Roth conversions are both overused and underused, the danger of overly optimistic return assumptions like 12% or 10%, the number one thing retirees get wrong about their own spending, and the most important actions to take 5-10 years before retirement.

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

Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

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How to Invest in Real Estate (In ANY MARKET) with Dave Meyer Mar 25, 2026

Show notes

Join Andrew’s FREE Investing for Beginner’s Masterclass. Click the Link 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 sits down with Dave Meyer to break down exactly how to think about real estate investing in 2026, covering what the data actually says versus what headlines and social media are telling you, why most investors are choosing the wrong strategy for their life, the first three questions every investor should ask before buying anything, what a real deal looks like right now and which underwriting assumptions people keep getting wrong, why waiting on the sidelines for a crash is a strategy with its own serious risks, and when passive investing simply beats active investing for most people.

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

Partner Deals

Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Connect with Dave Meyer:

Dave Meyer’s Books:

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The Best Financial Strategies (BY INCOME!) Mar 23, 2026

Show notes

Join Andrew’s FREE Investing for Beginner’s Masterclass. Click the Link 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 breaks down exactly the best financial strategies at every income level, covering why survival mode at $30,000 or less is about building buffers and eliminating high-interest debt before anything else, why capturing your full employer 401(k) match is non-negotiable no matter what you earn, the exact order of operations for building wealth from $30,000 all the way to $500,000 and beyond, why a Roth IRA is one of the smartest moves you can make early in your career, how tax strategy becomes wealth strategy once you hit six figures, why the mega backdoor Roth and backdoor Roth IRA are tools too many high earners overlook, how real estate and alternative assets start making serious sense as income climbs, why working with a CPA instead of just tax software can save you more money than you realize, and why the financial question completely changes at the highest income levels from how do I build wealth to how do I protect, transfer, and leave a legacy worth having.

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

Partner Deals

Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Links of the Episode Mentioned:

The Mega-Back Door Roth IRA (How to Get an Extra $43,500 in Your Roth!)

Books:

The Simple Path to Wealth by J.L. Collins
The Millionaire Next Door by Thomas Jr. Stanley
Little Book of Common Sense Investing by John Bogle
Resources Mentioned in this Episode:
Car Insurance

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Why Health is Wealth with Justin David Carl Mar 18, 2026

Show notes

Join Andrew’s FREE Investing for Beginner’s Masterclass. Click the Link 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 sits down with Justin David Carl for the second time to break down exactly why health is wealth, covering how to think about diet as a set of principles instead of rigid rules, why whole foods and consistency beat any trendy framework, how much water you actually need and whether electrolytes are worth it, which supplements are high ROI and which ones you can skip, how to structure your training week for maximum results with minimum time, the compound movements that give you the most bang for your buck, the simplest path to getting fit if you are starting from scratch, how to think about Zone 2 cardio versus high-intensity work, the key longevity metrics that predict how long and how well you will live, and why your health is one of the most powerful financial assets you will ever own.

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

Partner Deals

Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
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:

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How to Buy a Car And Not Get Screwed (in 2026!) Mar 16, 2026

Show notes

Join Andrew’s FREE Investing for Beginner’s Masterclass. Click the Link 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 breaks down exactly how to buy a car in 2026 without wrecking your finances, covering why paying cash for a depreciating asset is almost always the smarter wealth move, the 20-4-12-10 rule and why it changes how you think about every car purchase, how to protect yourself from being underwater on a loan, why gap insurance is a band-aid and not a strategy, the difference between thinking like a borrower versus thinking like a wealth builder, why the monthly payment question is the wrong question to ask, how total transportation costs quietly destroy budgets when you ignore insurance, fuel, and maintenance, and why keeping your car for 10 years or longer is one of the most underrated wealth-building moves you can make.

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

Partner Deals

Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
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

How to Negotiate Your Bills (and SAVE 6-Figures!) Mar 11, 2026

Show notes

Join Andrew’s FREE Investing for Beginner’s Masterclass. Click the Link 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 breaks down exactly how to negotiate your bills and keep more money in your pocket, covering which bills are actually negotiable, how to audit your current expenses, how to research competitors and build real leverage, how to reach the retention department that actually has authority to lower your rate, the exact script and objection handling techniques to use on every call, and how to automate the entire process so your bills never creep up unnoticed again.

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

Partner Deals

Join the loyalty program for renters at joinbilt.com/PFP

Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance

Go to http://policygenius.com to get your free life insurance quote.

Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp

Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!

Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP

Find your next dream home, start searching now. Download the http://Realtor.com app today

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

Links of the Episode Mentioned:

How to Negotiate Your Rent Like A Pro (and win the negotiation!)

How to Plan for Healthcare Costs (By Age)

Resources Mentioned:

Car Insurance

Connect With Andrew on Social Media:

Master Money Youtube Channel

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

How to Master Your Student Loans with Robert Farrington Mar 09, 2026

Show notes

Join Andrew’s FREE Investing for Beginner’s Masterclass. Click the Link 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!

In this episode of The Personal Finance Podcast, Andrew sits down with Robert Farrington to break down everything you need to know about the sweeping federal student loan changes taking effect July 1, 2026, covering the shift to just two repayment plan options for new borrowers, the elimination of SAVE, PAYE, and ICR, the deadlines existing borrowers need to watch before 2028, tighter annual and lifetime borrowing limits, the end of Grad PLUS and Parent PLUS loans as we know them, how enrollment status now affects what you can borrow, where to start when searching for student aid, and whether in-state school is still the smartest financial move for new students.

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

Partner Deals

Join the loyalty program for renters at joinbilt.com/PFP
Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at http://Indeed.com/personalfinance
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Go to Acorns.com/pfp and start automating your investments and get a $5 bonus today!
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
Find your next dream home, start searching now. Download the http://Realtor.com app today
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Connect with Robert Farrington:

Connect With Andrew on Social Media:

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

10 Tax Moves Everyone Should Review Each Year Mar 04, 2026

Show notes

Join Andrew’s FREE Investing for Beginner’s Masterclass. Click the Link 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!

In this episode of The Personal Finance Podcast, Andrew breaks down the 10 tax moves every high earner needs to make before year-end, covering how to max out tax-advantaged accounts, adjust your W-4 withholding, harvest tax losses, time Roth conversions, optimize your HSA, give to charity more efficiently, capture business deductions, and run a forward-looking tax projection so you stop reacting to taxes and start controlling them.

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 http://Indeed.com/personalfinance
Join the loyalty program for renters at joinbilt.com/PFP
Go to http://policygenius.com to get your free life insurance quote.
Thanks to Fundrise for Sponsoring the show! Invest in real estate going to http://fundrise.com/pfp
Get 50% Off Monarch, the all-in-one financial tool at http://www.monarch.com/PFP
Find your next dream home, start searching now. Download the http://Realtor.com app today
DeleteMe: Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!

Resources Mentioned:

Master Money HSA Tracker

Connect With Andrew on Social Media:

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

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